ScoreWhy is The Kita-Nippon Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.25% 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%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.25% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.13% signifying low profitability per unit of total assets
2
Healthy long term growth as Net profit has grown by an annual rate of 25.40%
3
Positive results in Dec 25
- NII(Q) Highest at JPY 4,926 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 76.86%
- NET SALES(Q) Highest at JPY 5,648 MM
4
With ROA of 0.26%, it has a very attractive valuation with a 0.29 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 34.31%, its profits have risen by 31% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 0.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Kita-Nippon 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 Kita-Nippon Bank, Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Kita-Nippon Bank, Ltd.
34.31%
1.89
39.23%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.70%
EBIT Growth (5y)
22.19%
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
21.03%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.29
EV to EBIT
-23.15
EV to EBITDA
-19.09
EV to Capital Employed
2.84
EV to Sales
-5.20
PEG Ratio
0.20
Dividend Yield
0.18%
ROCE (Latest)
-12.28%
ROE (Latest)
4.64%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at JPY 4,926 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 76.86%
NET SALES(Q)
Highest at JPY 5,648 MM
OPERATING PROFIT(Q)
Highest at JPY 1,995 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.32 %
-5What is not working for the Company
INTEREST(9M)
At JPY 2,011 MM has Grown at 266.3%
CASH AND EQV(HY)
Lowest at JPY 251,749 MM
Here's what is working for The Kita-Nippon Bank, Ltd.
NII
Highest at JPY 4,926 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 5,648 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 5,648 MM has Grown at 13.48%
over average net sales of the previous four periods of JPY 4,977.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 1,995 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 35.32 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 76.86%
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 (%)
Depreciation
Highest at JPY 265 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for The Kita-Nippon Bank, Ltd.
Interest
At JPY 2,011 MM has Grown at 266.3%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 251,749 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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