The Kiyo Bank, Ltd. (8370) 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

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The Kiyo Bank, Ltd.

SBI Sumishin Net Bank, Ltd.

Why is The Kiyo Bank, Ltd. ?

Poor Management Efficiency with a low ROA of 0.14%

The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.82% signifying inadequate buffers against its risk based assets

Poor long term growth as Net profit has grown by an annual rate of 5.10%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.82% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets

Poor long term growth as Net profit has grown by an annual rate of 5.10%

Flat results in Jun 26

INTEREST(9M) At JPY 12,978 MM has Grown at 57.31%
ROCE(HY) Lowest at 0.38%
OPERATING PROFIT MARGIN(Q) Lowest at 29.71 %

With ROA of 0.28%, it has a very attractive valuation with a 1.23 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 77.47%, its profits have risen by 17% ; the PEG ratio of the company is 1
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 Kiyo 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

No Data Found

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.10%

EBIT Growth (5y)

0.56%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

40.30%

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

1.23

EV to EBIT

11.06

EV to EBITDA

9.48

EV to Capital Employed

1.37

EV to Sales

3.62

PEG Ratio

1.00

Dividend Yield

ROCE (Latest)

12.38%

ROE (Latest)

7.17%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

No Trend

OBV

Bullish

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

ROCE(HY)

Highest at 0.38%

NET SALES(Q)

Highest at JPY 20,669 MM

PRE-TAX PROFIT(Q)

Highest at JPY 10,802 MM

NET PROFIT(Q)

Highest at JPY 7,468 MM

EPS(Q)

Highest at JPY 115.88

-10What is not working for the Company

INTEREST(9M)

At JPY 12,978 MM has Grown at 57.31%

ROCE(HY)

Lowest at 0.38%

OPERATING PROFIT MARGIN(Q)

Lowest at 29.71 %

CASH AND EQV(HY)

Lowest at JPY 1,696,998 MM

OPERATING PROFIT(Q)

Lowest at JPY 6,141 MM

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

Net Sales

Highest at JPY 20,669 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 10,802 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 7,468 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 115.88

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Depreciation

Highest at JPY 818 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (JPY MM)

Depreciation

At JPY 818 MM has Grown at inf%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (JPY MM)

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

Interest

At JPY 12,978 MM has Grown at 57.31%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Operating Profit Margin

Lowest at 29.71 % and Fallen

In each period in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Operating Profit

Lowest at JPY 6,141 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (JPY MM)

Cash and Eqv

Lowest at JPY 1,696,998 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Non Operating Income

Highest at JPY 0.43 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income