ScoreComparison
Why is The Tohoku Bank Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.09%
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.14% 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%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.14% 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
3
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
4
Flat results in Jun 26
- INTEREST(9M) At JPY 1,922 MM has Grown at 107.78%
- ROCE(HY) Lowest at 0.17%
- OPERATING PROFIT(Q) Lowest at JPY 365 MM
5
With ROA of 0.10%, it has a very attractive valuation with a 0.37 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 27.39%, its profits have fallen by -22%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Tohoku 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 Tohoku Bank Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Tohoku Bank Ltd.
-100.0%
0.83
27.97%
Japan Nikkei 225
59.79%
2.03
29.50%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.20%
EBIT Growth (5y)
9.46%
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
28.32%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.37
EV to EBIT
-10.88
EV to EBITDA
-8.63
EV to Capital Employed
-3.23
EV to Sales
-1.67
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.00%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
ROCE(HY)
Highest at 0.17%
NII(Q)
Highest at JPY 2,783 MM
NET SALES(Q)
Highest at JPY 3,535 MM
PRE-TAX PROFIT(Q)
Highest at JPY 905 MM
NET PROFIT(Q)
Highest at JPY 629 MM
-8What is not working for the Company
INTEREST(9M)
At JPY 1,922 MM has Grown at 107.78%
ROCE(HY)
Lowest at 0.17%
OPERATING PROFIT(Q)
Lowest at JPY 365 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 10.33 %
Here's what is working for The Tohoku Bank Ltd.
NII
Highest at JPY 2,783 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 3,535 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 905 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 629 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Here's what is not working for The Tohoku Bank Ltd.
Interest
At JPY 1,922 MM has Grown at 107.78%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY 365 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 10.33 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 0.6 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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