ScoreWhy is The Taiko Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.71% 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 16.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.71% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
2
Flat results in Dec 25
- INTEREST(9M) At JPY 2,387 MM has Grown at 264.43%
- ROCE(HY) Lowest at 0.15%
- OPERATING PROFIT(Q) Lowest at JPY 845 MM
3
With ROA of 0.15%, it has a very attractive valuation with a 0.18 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 60.66%, its profits have risen by 45% ; the PEG ratio of the company is 0.1
- 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 Taiko 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 Taiko Bank, Ltd. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
The Taiko Bank, Ltd.
60.66%
1.15
39.09%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.00%
EBIT Growth (5y)
10.38%
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
24.82%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.18
EV to EBIT
-0.48
EV to EBITDA
-0.40
EV to Capital Employed
-0.03
EV to Sales
-0.11
PEG Ratio
0.12
Dividend Yield
0.04%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.33%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NET SALES(HY)
At JPY 10,361 MM has Grown at 21.12%
ROCE(HY)
Highest at 0.15%
-8What is not working for the Company
INTEREST(9M)
At JPY 2,387 MM has Grown at 264.43%
ROCE(HY)
Lowest at 0.15%
OPERATING PROFIT(Q)
Lowest at JPY 845 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 16.52 %
Here's what is working for The Taiko Bank, Ltd.
Net Sales
At JPY 10,361 MM has Grown at 21.12%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Depreciation
Highest at JPY 219 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for The Taiko Bank, Ltd.
Interest
At JPY 2,387 MM has Grown at 264.43%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY 845 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 16.52 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 0.1 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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