ScoreComparison
Why is The Shimane Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.07%
- The bank has been able to generate a Return on Assets (avg) of 0.07% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.85% 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 17.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.85% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.07% signifying low profitability per unit of total assets
3
Flat results in Jun 25
- INTEREST(9M) At JPY 798 MM has Grown at 86.45%
- NET PROFIT(HY) At JPY 169 MM has Grown at -42.91%
4
With ROA of 0.11%, it has a very attractive valuation with a 0.26 Price to Book Value
- Over the past year, while the stock has generated a return of 26.80%, its profits have risen by 45% ; the PEG ratio of the company is 0.1
5
Underperformed the market in the last 1 year
- The stock has generated a return of 26.80% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 39.94%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is The Shimane Bank, Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Shimane Bank, Ltd.
26.59%
0.48
25.61%
Japan Nikkei 225
38.59%
1.50
26.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.60%
EBIT Growth (5y)
15.58%
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
16.59%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.26
EV to EBIT
-144.90
EV to EBITDA
-31.31
EV to Capital Employed
1.91
EV to Sales
-3.58
PEG Ratio
0.14
Dividend Yield
NA
ROCE (Latest)
-1.32%
ROE (Latest)
4.08%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NET SALES(Q)
Highest at JPY 1,807 MM
-8What is not working for the Company
INTEREST(9M)
At JPY 798 MM has Grown at 86.45%
NET PROFIT(HY)
At JPY 169 MM has Grown at -42.91%
Here's what is working for The Shimane Bank, Ltd.
Net Sales
Highest at JPY 1,807 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for The Shimane Bank, Ltd.
Interest
At JPY 798 MM has Grown at 86.45%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Net Profit
At JPY 169 MM has Grown at -42.91%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
Non Operating Income
Highest at JPY 0.26 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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