ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Toho Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.05%
- The bank has been able to generate a Return on Assets (avg) of 0.05% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.78% 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 22.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.78% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.05% signifying low profitability per unit of total assets
3
With a growth in Operating Profit of 9.85%, the company declared Very Positive results in Dec 25
- ROCE(HY) Highest at 0.16%
- NII(Q) Highest at JPY 11,808 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 68.08%
4
With ROA of 0.11%, it has a very attractive valuation with a 0.43 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 84.51%, its profits have risen by 42% ; the PEG ratio of the company is 0.3
- At the current price, the company has a high dividend yield of 0.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Toho Bank, Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Toho Bank, Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Toho Bank, Ltd.
84.51%
2.79
38.19%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.50%
EBIT Growth (5y)
23.29%
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
30.22%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.43
EV to EBIT
-174.55
EV to EBITDA
-96.97
EV to Capital Employed
1.13
EV to Sales
-22.16
PEG Ratio
0.27
Dividend Yield
0.15%
ROCE (Latest)
-0.65%
ROE (Latest)
3.77%
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
Bullish
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
ROCE(HY)
Highest at 0.16%
NII(Q)
Highest at JPY 11,808 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 68.08%
NET SALES(Q)
Highest at JPY 15,944 MM
OPERATING PROFIT(Q)
Highest at JPY 4,764 MM
PRE-TAX PROFIT(Q)
Highest at JPY 5,398 MM
NET PROFIT(Q)
Highest at JPY 3,703 MM
EPS(Q)
Highest at JPY 14.82
-7What is not working for the Company
INTEREST(9M)
At JPY 12,190 MM has Grown at 351.65%
ROCE(HY)
Lowest at 0.16%
CASH AND EQV(HY)
Lowest at JPY 2,036,098 MM
Here's what is working for The Toho Bank, Ltd.
NII
Highest at JPY 11,808 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 15,944 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 15,944 MM has Grown at 20.84%
over average net sales of the previous four periods of JPY 13,194 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 4,764 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 5,398 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 5,398 MM has Grown at 62.04%
over average net sales of the previous four periods of JPY 3,331.25 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 3,703 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 3,703 MM has Grown at 60.65%
over average net sales of the previous four periods of JPY 2,304.95 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 14.82
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 68.08%
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 (%)
Here's what is not working for The Toho Bank, Ltd.
Interest
At JPY 12,190 MM has Grown at 351.65%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 2,036,098 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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