ScoreComparison
Why is The Miyazaki 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 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 0.12% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 6.50%
4
Flat results in Jun 26
- INTEREST(9M) At JPY 15,427 MM has Grown at 18.98%
- ROCE(HY) Lowest at 0.37%
- OPERATING PROFIT(Q) Lowest at JPY 251 MM
5
With ROA of 0.22%, it has a fair valuation with a 0.82 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 -36.12%, its profits have risen by 38% ; the PEG ratio of the company is 0.4
- 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 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 StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.20%
EBIT Growth (5y)
6.18%
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
23.91%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
0.82
EV to EBIT
-0.53
EV to EBITDA
-0.42
EV to Capital Employed
-0.17
EV to Sales
-0.10
PEG Ratio
0.43
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
4.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 0.37%
NII(Q)
Highest at JPY 12,171 MM
NET SALES(Q)
Highest at JPY 17,313 MM
PRE-TAX PROFIT(Q)
Highest at JPY 5,978 MM
NET PROFIT(Q)
Highest at JPY 4,471 MM
EPS(Q)
Highest at JPY 53.08
-7What is not working for the Company
INTEREST(9M)
At JPY 15,427 MM has Grown at 18.98%
ROCE(HY)
Lowest at 0.37%
OPERATING PROFIT(Q)
Lowest at JPY 251 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 1.45 %
Here's what is working for The Miyazaki Bank Ltd.
NII
Highest at JPY 12,171 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 17,313 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 5,978 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 4,471 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 53.08
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Depreciation
At JPY 670 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 Miyazaki Bank Ltd.
Interest
At JPY 15,427 MM has Grown at 18.98%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY 251 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 1.45 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 0.96 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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