ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Keiyo Bank, Ltd. ?
1
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
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 0.10% signifying low profitability per unit of total assets
3
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%
4
Positive results in Jun 26
- ROCE(HY) Highest at 0.27%
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- NII(Q) Highest at JPY 15,952 MM
5
With ROA of 0.18%, it has a expensive valuation with a 1.00 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 138.17%, its profits have risen by 17% ; the PEG ratio of the company is 1.5
- At the current price, the company has a high dividend yield of 0
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Keiyo Bank, Ltd.
129.43%
5.71
36.67%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.50%
EBIT Growth (5y)
19.88%
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
31.90%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Industry P/E
Price to Book Value
1.00
EV to EBIT
-1.39
EV to EBITDA
-1.09
EV to Capital Employed
1.04
EV to Sales
-0.41
PEG Ratio
1.45
Dividend Yield
NA
ROCE (Latest)
-74.42%
ROE (Latest)
3.99%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
ROCE(HY)
Highest at 0.27%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at JPY 15,952 MM
NET SALES(Q)
Highest at JPY 21,199 MM
PRE-TAX PROFIT(Q)
Highest at JPY 9,145 MM
NET PROFIT(Q)
Highest at JPY 6,315 MM
EPS(Q)
Highest at JPY 52.84
-8What is not working for the Company
INTEREST(9M)
At JPY 13,192 MM has Grown at 103.83%
ROCE(HY)
Lowest at 0.27%
OPERATING PROFIT(Q)
Lowest at JPY -5,203 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -24.54 %
Here's what is working for The Keiyo Bank, Ltd.
Credit Deposit Ratio
Highest at 0% and Grown
In each half year 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 (%)
NII
Highest at JPY 15,952 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 21,199 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 21,199 MM has Grown at 22.83%
over average net sales of the previous four periods of JPY 17,259.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 9,145 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 9,145 MM has Grown at 63.78%
over average net sales of the previous four periods of JPY 5,583.75 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 6,315 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 6,315 MM has Grown at 58.61%
over average net sales of the previous four periods of JPY 3,981.56 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 52.84
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for The Keiyo Bank, Ltd.
Interest
At JPY 13,192 MM has Grown at 103.83%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -5,203 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -24.54 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
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