ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Shikoku Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.25% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 17.10%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.25% 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
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
With a growth in Operating Profit of 146.19%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 2 consecutive quarters
- NET PROFIT(HY) Higher at JPY 17,183.16 MM
- ROCE(HY) Highest at 0.51%
- CREDIT DEPOSIT RATIO(Q) Highest at 2.52%
4
With ROA of 0.20%, it has a very attractive valuation with a 0.54 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 151.04%, its profits have fallen by -6%
- 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 Shikoku 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 Shikoku Bank, Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Shikoku Bank, Ltd.
151.04%
4.39
32.72%
Japan Nikkei 225
88.41%
3.12
27.27%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.30%
EBIT Growth (5y)
114.59%
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
30.62%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.54
EV to EBIT
18.33
EV to EBITDA
14.07
EV to Capital Employed
0.62
EV to Sales
3.44
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.37%
ROE (Latest)
3.65%
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
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NET PROFIT(HY)
Higher at JPY 17,183.16 MM
ROCE(HY)
Highest at 0.51%
CREDIT DEPOSIT RATIO(Q)
Highest at 2.52%
NII(Q)
Highest at JPY 10,158 MM
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 12,599 MM
-13What is not working for the Company
INTEREST(9M)
At JPY 6,548 MM has Grown at 118.63%
PRE-TAX PROFIT(Q)
At JPY 2,402 MM has Fallen at -63.56%
NET PROFIT(Q)
At JPY 1,526.63 MM has Fallen at -70.74%
ROCE(HY)
Lowest at 0.51%
OPERATING PROFIT MARGIN(Q)
Lowest at 18.29 %
Here's what is working for The Shikoku Bank, Ltd.
Credit Deposit Ratio
Highest at 2.52% 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 (%)
NII
Highest at JPY 10,158 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 12,599 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 12,599 MM has Grown at 11.69%
over average net sales of the previous four periods of JPY 11,280.75 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)
Here's what is not working for The Shikoku Bank, Ltd.
Interest
At JPY 6,548 MM has Grown at 118.63%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY 2,402 MM has Fallen at -63.56%
over average net sales of the previous four periods of JPY 6,592 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 1,526.63 MM has Fallen at -70.74%
over average net sales of the previous four periods of JPY 5,217.39 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Operating Profit Margin
Lowest at 18.29 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 5.39 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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