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 0.13% signifying low profitability per unit of total assets
2
Flat results in Jun 25
- INTEREST(9M) At JPY 18,453 MM has Grown at 15.37%
- ROCE(HY) Lowest at 0.26%
- CASH AND EQV(HY) Lowest at JPY 1,983,666 MM
3
With ROA of 0.24%, it has a expensive 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 85.64%, 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
Market Beating Performance
- The stock has generated a return of 85.64% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 29.35%
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Shiga Bank, Ltd.
87.64%
1.70
36.58%
Japan Nikkei 225
28.54%
1.14
25.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.50%
EBIT Growth (5y)
0.10%
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
17
Industry P/E
Price to Book Value
0.72
EV to EBIT
44.39
EV to EBITDA
37.14
EV to Capital Employed
0.80
EV to Sales
5.54
PEG Ratio
0.99
Dividend Yield
0.01%
ROCE (Latest)
1.79%
ROE (Latest)
4.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
ROCE(HY)
Highest at 0.26%
NII(Q)
Highest at JPY 19,670 MM
NET SALES(Q)
Highest at JPY 25,851 MM
OPERATING PROFIT(Q)
Highest at JPY 9,160 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.43 %
PRE-TAX PROFIT(Q)
Highest at JPY 9,393 MM
NET PROFIT(Q)
Highest at JPY 6,739 MM
-6What is not working for the Company
INTEREST(9M)
At JPY 18,453 MM has Grown at 15.37%
ROCE(HY)
Lowest at 0.26%
CASH AND EQV(HY)
Lowest at JPY 1,983,666 MM
Here's what is working for The Shiga Bank, Ltd.
NII
Highest at JPY 19,670 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 25,851 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 25,851 MM has Grown at 19.36%
over average net sales of the previous four periods of JPY 21,658.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 9,160 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 35.43 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 9,393 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 9,393 MM has Grown at 99.83%
over average net sales of the previous four periods of JPY 4,700.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 6,739 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 6,739 MM has Grown at 90.68%
over average net sales of the previous four periods of JPY 3,534.21 MMMOJO 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 18,453 MM has Grown at 15.37%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 1,983,666 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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