ScoreComparison
Why is The Tochigi 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 -265.10%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.46% signifying inadequate buffers against its risk based assets
2
The company declared very negative results in Mar'25 after positive results in Dec'24
- NET PROFIT(9M) At JPY -22,070 MM has Grown at -1,382.39%
- INTEREST(9M) At JPY 3,502 MM has Grown at 1,583.65%
3
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 139.04%, its profits have fallen by -1163%
- At the current price, the company has a high dividend yield of 0.1
4
Market Beating performance in long term as well as near term
- Along with generating 139.04% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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.
139.04%
2.24
40.42%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0.40%
EBIT Growth (5y)
-257.84%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.28
EV to EBIT
27.35
EV to EBITDA
29.10
EV to Capital Employed
1.21
EV to Sales
-23.09
PEG Ratio
NA
Dividend Yield
0.13%
ROCE (Latest)
4.43%
ROE (Latest)
-14.74%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly 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 Trend12What is working for the Company
PRE-TAX PROFIT(Q)
At JPY 2,539 MM has Grown at 143.05%
NET PROFIT(Q)
At JPY 1,728 MM has Grown at 130.96%
CREDIT DEPOSIT RATIO(Q)
Highest at 2.08%
NII(Q)
Highest at JPY 6,748 MM
NET SALES(Q)
Highest at JPY 8,351 MM
OPERATING PROFIT(Q)
Highest at JPY 2,370 MM
-12What is not working for the Company
NET PROFIT(9M)
At JPY -22,070 MM has Grown at -1,382.39%
INTEREST(9M)
At JPY 3,502 MM has Grown at 1,583.65%
Here's what is working for The Tochigi Bank, Ltd.
Net Sales
At JPY 8,351 MM has Grown at 23.31%
over average net sales of the previous four periods of JPY 6,772.25 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Pre-Tax Profit
At JPY 2,539 MM has Grown at 143.05%
over average net sales of the previous four periods of JPY -5,898 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 1,728 MM has Grown at 130.96%
over average net sales of the previous four periods of JPY -5,581.75 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
Credit Deposit Ratio
Highest at 2.08% 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 6,748 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 8,351 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 2,370 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Here's what is not working for The Tochigi Bank, Ltd.
Interest
At JPY 3,502 MM has Grown at 1,583.65%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Capital Adequacy Ratio
Lowest at 10.07%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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