The Keiyo Bank, Ltd. (8544) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Chugin Financial Group, Inc.

San-in Godo Bank Ltd.

Monex Group, Inc.

The Kiyo Bank, Ltd.

Suruga Bank Ltd.

Juroku Financial Group, Inc.

The Musashino Bank, Ltd.

Hokuhoku Financial Group, Inc.

The Keiyo Bank, Ltd.

North Pacific Bank, Ltd.

SBI Sumishin Net Bank, Ltd.

Why is The Keiyo Bank, Ltd. ?

Poor Management Efficiency with a low ROA of 0.10%

The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.96% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 18.00%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.96% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets

With a growth in Operating Profit of 12%, the company declared Very Positive results in Mar 26

NET SALES(HY) At JPY 35,883 MM has Grown at 28.71%
ROCE(HY) Highest at 0.24%
DIVIDEND PER SHARE(HY) Highest at JPY 0

With ROA of 0.18%, it has a expensive valuation with a 0.82 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 146.66%, its profits have risen by 17% ; the PEG ratio of the company is 1.2
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How much should you hold?

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.

146.66%

5.12

34.26%

Japan Nikkei 225

88.41%

3.25

27.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

2.50%

EBIT Growth (5y)

19.88%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

28.83%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.82

EV to EBIT

-4.92

EV to EBITDA

-3.86

EV to Capital Employed

3.66

EV to Sales

-1.43

PEG Ratio

1.20

Dividend Yield

ROCE (Latest)

-74.42%

ROE (Latest)

3.99%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NET SALES(HY)

At JPY 35,883 MM has Grown at 28.71%

ROCE(HY)

Highest at 0.24%

DIVIDEND PER SHARE(HY)

Highest at JPY 0

NET PROFIT(9M)

Higher at JPY 11,814.24 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 80.82%

-6What is not working for the Company

INTEREST(9M)

At JPY 11,107 MM has Grown at 153.82%

ROCE(HY)

Lowest at 0.24%

Here's what is working for The Keiyo Bank, Ltd.

Net Sales

At JPY 35,883 MM has Grown at 28.71%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Dividend per share

Highest at JPY 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Net Profit

At JPY 11,814.24 MM has Grown at 60.93%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Credit Deposit Ratio

Highest at 80.82%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Net Profit

Higher at JPY 11,814.24 MM

than preceding 12 month period ended Mar 2026

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (JPY MM)

Here's what is not working for The Keiyo Bank, Ltd.

Interest

At JPY 11,107 MM has Grown at 153.82%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)