ScoreWhy is The Ogaki Kyoritsu Bank Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.93% 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% and Net profit at 21.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.93% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
2
With a growth in Operating Profit of 11.63%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 6 consecutive quarters
- NII(Q) Highest at JPY 15,260 MM
- ROCE(HY) Highest at 0.29%
- NET SALES(Q) Highest at JPY 20,947 MM
3
With ROA of 0.22%, it has a attractive valuation with a 0.72 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 203.75%, its profits have risen by 55% ; the PEG ratio of the company is 0.3
- 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 Ogaki Kyoritsu 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 Ogaki Kyoritsu Bank Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Ogaki Kyoritsu Bank Ltd.
203.75%
6.01
38.17%
Japan Nikkei 225
88.41%
3.25
27.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0.00%
EBIT Growth (5y)
12.21%
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
25.46%
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
0.72
EV to EBIT
0.45
EV to EBITDA
0.35
EV to Capital Employed
0.06
EV to Sales
0.12
PEG Ratio
0.32
Dividend Yield
NA
ROCE (Latest)
12.61%
ROE (Latest)
4.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at JPY 15,260 MM
ROCE(HY)
Highest at 0.29%
NET SALES(Q)
Highest at JPY 20,947 MM
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET PROFIT(Q)
Highest at JPY 6,748.76 MM
EPS(Q)
Highest at JPY 158.49
-8What is not working for the Company
INTEREST(9M)
At JPY 15,190 MM has Grown at 90.59%
ROCE(HY)
Lowest at 0.29%
OPERATING PROFIT(Q)
Lowest at JPY -21,000 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -100.25 %
Here's what is working for The Ogaki Kyoritsu Bank Ltd.
NII
Highest at JPY 15,260 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at JPY 20,947 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 20,947 MM has Grown at 23.53%
over average net sales of the previous four periods of JPY 16,957 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Profit
Highest at JPY 6,748.76 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 158.49
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Depreciation
Highest at JPY 1,061 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 Ogaki Kyoritsu Bank Ltd.
Interest
At JPY 15,190 MM has Grown at 90.59%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -21,000 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -100.25 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 2.79 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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