ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Shiga Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.48% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 8.60%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.48% 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 Dec 25
- NET SALES(HY) At JPY 49,736 MM has Grown at 18.33%
- NET PROFIT(HY) At JPY 10,291.36 MM has Grown at 83.71%
- ROCE(HY) Highest at 0.26%
3
With ROA of 0.24%, it has a expensive valuation with a 0.95 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 56.75%, its profits have risen by 17% ; the PEG ratio of the company is 1.5
- At the current price, the company has a high dividend yield of 0
4
Underperformed the market in the last 1 year
- The stock has generated a return of 56.75% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 70.84%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Shiga Bank, Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Shiga Bank, Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Shiga Bank, Ltd.
56.75%
-0.65
89.47%
Japan Nikkei 225
70.84%
2.78
25.51%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.50%
EBIT Growth (5y)
9.53%
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
22.52%
Pledged Shares
0
Institutional Holding
0.15%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Industry P/E
Price to Book Value
0.95
EV to EBIT
30.26
EV to EBITDA
26.91
EV to Capital Employed
0.96
EV to Sales
5.92
PEG Ratio
1.45
Dividend Yield
NA
ROCE (Latest)
3.16%
ROE (Latest)
3.76%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NET SALES(HY)
At JPY 49,736 MM has Grown at 18.33%
NET PROFIT(HY)
At JPY 10,291.36 MM has Grown at 83.71%
ROCE(HY)
Highest at 0.26%
-5What is not working for the Company
INTEREST(9M)
At JPY 20,675 MM has Grown at 16.98%
ROCE(HY)
Lowest at 0.26%
Here's what is working for The Shiga Bank, Ltd.
Net Sales
At JPY 49,736 MM has Grown at 18.33%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Profit
At JPY 10,291.36 MM has Grown at 83.71%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Here's what is not working for The Shiga Bank, Ltd.
Interest
At JPY 20,675 MM has Grown at 16.98%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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