The Tochigi Bank, Ltd. (8550) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

The Yamagata Bank, Ltd.

Okinawa Financial Group, Inc.

The Tochigi Bank, Ltd.

The Bank of Iwate Ltd.

Bank of The Ryukyus, Ltd.

The Shikoku Bank, Ltd.

Oita Bank, Ltd.

San ju San Financial Group, Inc.

The Ehime Bank, Ltd.

The Miyazaki Bank Ltd.

HS Holdings Co., Ltd.

Why is The Tochigi Bank, Ltd. ?

With a growth in Operating Profit of 57.17%, the company declared Outstanding results in Mar 26

The company has declared positive results for the last 3 consecutive quarters
NII(Q) Highest at JPY 7,660 MM
ROCE(HY) Highest at 0.25%
NET SALES(Q) Highest at JPY 10,024 MM

With ROA of -0.58%, it has a risky valuation with a 0.65 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 131.99%, its profits have fallen by -1163%
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to The Tochigi 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 Tochigi Bank, Ltd. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

The Tochigi Bank, Ltd.

137.18%

3.39

44.69%

Japan Nikkei 225

88.41%

3.12

27.27%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

0.40%

EBIT Growth (5y)

-262.25%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.65

EV to EBIT

12.62

EV to EBITDA

13.31

EV to Capital Employed

1.20

EV to Sales

-12.22

PEG Ratio

Dividend Yield

ROCE (Latest)

9.50%

ROE (Latest)

-14.06%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

30What is working for the Company

NII(Q)

Highest at JPY 7,660 MM

ROCE(HY)

Highest at 0.25%

NET SALES(Q)

Highest at JPY 10,024 MM

PRE-TAX PROFIT(Q)

At JPY 1,362 MM has Grown at 126.8%

NET PROFIT(Q)

At JPY 1,331.9 MM has Grown at 127.97%

DIVIDEND PAYOUT RATIO(Y)

Highest at 118.72%

DIVIDEND PER SHARE(HY)

Highest at JPY 0

CREDIT DEPOSIT RATIO(HY)

Highest at 77.47%

-6What is not working for the Company

INTEREST(9M)

At JPY 6,076 MM has Grown at 168.02%

ROCE(HY)

Lowest at 0.25%

Here's what is working for The Tochigi Bank, Ltd.

NII

Highest at JPY 7,660 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at JPY 10,024 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

Pre-Tax Profit

At JPY 1,362 MM has Grown at 126.8%

over average net sales of the previous four periods of JPY -5,083 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (JPY MM)

Net Profit

At JPY 1,331.9 MM has Grown at 127.97%

over average net sales of the previous four periods of JPY -4,761.94 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JPY MM)

Net Sales

At JPY 10,024 MM has Grown at 19.99%

over average net sales of the previous four periods of JPY 8,354 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Dividend per share

Highest at JPY 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Credit Deposit Ratio

Highest at 77.47%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Highest at 118.72%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Depreciation

Highest at JPY 428 MM

in the last five periods

MOJO 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 Tochigi Bank, Ltd.

Interest

At JPY 6,076 MM has Grown at 168.02%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)