ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Keiyo Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.12%
- The bank has been able to generate a Return on Assets (avg) of 0.12% signifying low profitability per unit of total assets
2
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 0.12% signifying low profitability per unit of total assets
3
Flat results in Dec 25
- INTEREST(9M) At JPY 9,525 MM has Grown at 259.16%
- OPERATING PROFIT(Q) Lowest at JPY -2,943 MM
- OPERATING PROFIT MARGIN(Q) Lowest at -16.24 %
4
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 120.33%, 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 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Keiyo Bank, Ltd.
120.33%
3.07
40.86%
Japan Nikkei 225
36.73%
1.30
28.24%
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at JPY 14,676 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 79.06%
NET SALES(Q)
Highest at JPY 18,126 MM
-6What is not working for the Company
INTEREST(9M)
At JPY 9,525 MM has Grown at 259.16%
OPERATING PROFIT(Q)
Lowest at JPY -2,943 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -16.24 %
Here's what is working for The Keiyo Bank, Ltd.
NII
Highest at JPY 14,676 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 18,126 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 18,126 MM has Grown at 18.79%
over average net sales of the previous four periods of JPY 15,258.5 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 79.06%
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 (%)
Here's what is not working for The Keiyo Bank, Ltd.
Interest
At JPY 9,525 MM has Grown at 259.16%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -2,943 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -16.24 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
