ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Musashino Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.00% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 10.30%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.00% 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
2
Positive results in Mar 26
- ROCE(HY) Highest at 0.28%
- NET SALES(Q) Highest at JPY 17,367 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 1.52%
3
With ROA of 0.23%, it has a very attractive valuation with a 0.77 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 129.43%, 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
4
Consistent Returns over the last 3 years
- Along with generating 129.43% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Musashino 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 Musashino Bank, Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Musashino Bank, Ltd.
129.43%
-0.31
73.52%
Japan Nikkei 225
88.41%
3.25
27.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.10%
EBIT Growth (5y)
18.15%
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
31.45%
Pledged Shares
0
Institutional Holding
0.03%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
0.77
EV to EBIT
3.49
EV to EBITDA
2.70
EV to Capital Employed
0.43
EV to Sales
0.91
PEG Ratio
0.98
Dividend Yield
NA
ROCE (Latest)
12.26%
ROE (Latest)
4.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
ROCE(HY)
Highest at 0.28%
NET SALES(Q)
Highest at JPY 17,367 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 1.52%
DIVIDEND PAYOUT RATIO(Y)
Highest at 113.96%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
-11What is not working for the Company
INTEREST(9M)
At JPY 10,812 MM has Grown at 86.03%
ROCE(HY)
Lowest at 0.28%
OPERATING PROFIT(Q)
Lowest at JPY 2,992 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 17.23 %
NET PROFIT(Q)
Lowest at JPY 2,608 MM
EPS(Q)
Lowest at JPY 26.32
Here's what is working for The Musashino Bank, Ltd.
Net Sales
Highest at JPY 17,367 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 1.52% 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 (%)
Net Sales
At JPY 17,367 MM has Grown at 13.29%
over average net sales of the previous four periods of JPY 15,329.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Dividend Payout Ratio
Highest at 113.96%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at JPY 1,088 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 Musashino Bank, Ltd.
Interest
At JPY 10,812 MM has Grown at 86.03%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY 2,992 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 17.23 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Net Profit
Lowest at JPY 2,608 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
Net Profit
At JPY 2,608 MM has Fallen at -33.79%
over average net sales of the previous four periods of JPY 3,939.25 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 26.32
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Non Operating Income
Highest at JPY 0.34 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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