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
With a growth in Operating Profit of 57.17%, the company declared Outstanding results in Dec 25
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- NII(Q) Highest at JPY 7,322 MM
- NET SALES(Q) Highest at JPY 9,226 MM
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 172.84%, 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 172.84% 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.
172.84%
2.96
47.89%
Japan Nikkei 225
36.73%
1.30
28.24%
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at JPY 7,322 MM
NET SALES(Q)
Highest at JPY 9,226 MM
PRE-TAX PROFIT(Q)
Highest at JPY 3,552 MM
NET PROFIT(Q)
Highest at JPY 2,724.25 MM
EPS(Q)
Highest at JPY 26.09
-4What is not working for the Company
INTEREST(9M)
At JPY 5,315 MM has Grown at 294%
Here's what is working for The Tochigi Bank, Ltd.
Pre-Tax Profit
At JPY 3,552 MM has Grown at 168.58%
over average net sales of the previous four periods of JPY -5,179 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 2,724.25 MM has Grown at 156.01%
over average net sales of the previous four periods of JPY -4,863.5 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
Credit Deposit Ratio
Highest at 0% 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 7,322 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 9,226 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 9,226 MM has Grown at 18.16%
over average net sales of the previous four periods of JPY 7,808 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 3,552 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 2,724.25 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 26.09
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for The Tochigi Bank, Ltd.
Interest
At JPY 5,315 MM has Grown at 294%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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