ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Keiyo Bank, Ltd. ?
1
Positive results in Jun 25
- NII(Q) Highest at JPY 13,675 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 78.56%
- NET SALES(Q) At JPY 16,588 MM has Grown at 22.63%
2
With ROA of 0.18%, it has a very attractive valuation with a 0.42 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 96.27%, its profits have risen by 17% ; the PEG ratio of the company is 0.6
- At the current price, the company has a high dividend yield of 0.1
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to The Keiyo Bank, Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Keiyo Bank, Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Keiyo Bank, Ltd.
95.04%
2.38
35.47%
Japan Nikkei 225
28.54%
1.14
25.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.50%
EBIT Growth (5y)
1.19%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
28.83%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.42
EV to EBIT
-16.31
EV to EBITDA
-9.95
EV to Capital Employed
-1.65
EV to Sales
-2.04
PEG Ratio
0.58
Dividend Yield
0.05%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
4.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at JPY 13,675 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 78.56%
NET SALES(Q)
At JPY 16,588 MM has Grown at 22.63%
-6What is not working for the Company
INTEREST(9M)
At JPY 6,472 MM has Grown at 810.27%
NET PROFIT(HY)
At JPY 4,672 MM has Grown at -35.67%
Here's what is working for The Keiyo Bank, Ltd.
NII
Highest at JPY 13,675 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 16,588 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 16,588 MM has Grown at 22.63%
over average net sales of the previous four periods of JPY 13,526.5 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 78.56%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 10.98%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for The Keiyo Bank, Ltd.
Interest
At JPY 6,472 MM has Grown at 810.27%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Net Profit
At JPY 4,672 MM has Grown at -35.67%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
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