The Miyazaki Bank Ltd. (8393) 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

The Bank of Nagoya Ltd.

North Pacific Bank, Ltd.

Okinawa Financial Group, Inc.

The Musashino Bank, Ltd.

The Kiyo Bank, Ltd.

The Ogaki Kyoritsu Bank Ltd.

Nanto Bank Ltd.

TOMONY Holdings, Inc.

First Bank of Toyama Ltd.

The Miyazaki Bank Ltd.

The Keiyo Bank, Ltd.

Why is The Miyazaki Bank Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.88% signifying inadequate buffers against its risk based assets

Poor long term growth as Net profit has grown by an annual rate of 6.50%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.88% 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

Flat results in Dec 25

INTEREST(9M) At JPY 14,903 MM has Grown at 21.72%
ROCE(HY) Lowest at 0.3%
OPERATING PROFIT(Q) Lowest at JPY 3,309 MM

With ROA of 0.22%, it has a very attractive valuation with a 0.32 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 167.24%, its profits have risen by 38% ; the PEG ratio of the company is 0.2
At the current price, the company has a high dividend yield of 0

Market Beating performance in long term as well as near term

Along with generating 167.24% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The Miyazaki 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)

9.20%

EBIT Growth (5y)

2.56%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

19.17%

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

0.32

EV to EBIT

-11.04

EV to EBITDA

-8.31

EV to Capital Employed

-3.04

EV to Sales

-1.78

PEG Ratio

0.15

Dividend Yield

0.01%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

5.16%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

No Trend

OBV

No Trend

Mildly 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

9What is working for the Company

ROCE(HY)

Highest at 0.3%

NII(Q)

Highest at JPY 11,088 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 76.02%

NET SALES(Q)

Highest at JPY 16,329 MM

NET PROFIT(Q)

Highest at JPY 3,634 MM

EPS(Q)

Highest at JPY 215.6

-8What is not working for the Company

INTEREST(9M)

At JPY 14,903 MM has Grown at 21.72%

ROCE(HY)

Lowest at 0.3%

OPERATING PROFIT(Q)

Lowest at JPY 3,309 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 20.26 %

Here's what is working for The Miyazaki Bank Ltd.

NII

Highest at JPY 11,088 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

Highest at JPY 16,329 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Net Profit

Highest at JPY 3,634 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 215.6

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Credit Deposit Ratio

Highest at 76.02%

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 (%)

CASA

Highest at 10%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

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

Interest

At JPY 14,903 MM has Grown at 21.72%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Operating Profit

Lowest at JPY 3,309 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (JPY MM)

Operating Profit Margin

Lowest at 20.26 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Non Operating Income

Highest at JPY 0.34 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income