ScoreComparison
Why is The Shimane Bank, Ltd. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- 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
- INTEREST(9M) At JPY 1,313 MM has Grown at 126.77%
- GROSS NPA (%)(Q) Highest at 2.39%
- NII(Q) Lowest at JPY 1,393 MM
2
Underperformed the market in the last 1 year
- The stock has generated a return of 3.06% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 85.83%
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.
3.06%
-0.55
30.10%
Japan Nikkei 225
75.22%
3.09
27.80%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.60%
EBIT Growth (5y)
15.57%
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
8
Industry P/E
Price to Book Value
0.35
EV to EBIT
-8.92
EV to EBITDA
-1.91
EV to Capital Employed
-0.20
EV to Sales
-0.22
PEG Ratio
0.17
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
4.59%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-27What is not working for the Company
INTEREST(9M)
At JPY 1,313 MM has Grown at 126.77%
GROSS NPA (%)
(Q
NII(Q)
Lowest at JPY 1,393 MM
CASH AND EQV(HY)
Lowest at JPY 51,691 MM
OPERATING PROFIT(Q)
Lowest at JPY 26 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 1.37 %
PRE-TAX PROFIT(Q)
Lowest at JPY -59 MM
NET PROFIT(Q)
Lowest at JPY -108 MM
EPS(Q)
Lowest at JPY -13.26
Here's what is not working for The Shimane Bank, Ltd.
Interest
At JPY 1,313 MM has Grown at 126.77%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY -59 MM has Fallen at -144.19%
over average net sales of the previous four periods of JPY 133.5 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY -108 MM has Fallen at -195.58%
over average net sales of the previous four periods of JPY 113 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Non Performing Loans (%)
Highest at 2.39%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
NII
Lowest at JPY 1,393 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JPY MM)
Operating Profit
Lowest at JPY 26 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 1.37 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY -59 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY -108 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY -13.26
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Cash and Eqv
Lowest at JPY 51,691 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 1.42 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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