ScoreComparison
Why is The Tohoku Bank Ltd. ?
1
With a growth in Interest of 0.14%, the company declared Very Positive results in Dec 25
- NET PROFIT(HY) At JPY 946 MM has Grown at 77.91%
- NII(Q) Highest at JPY 2,738 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 75.96%
2
With ROA of 0.11%, it has a very attractive valuation with a 0.29 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 26.03%, its profits have fallen by -22%
Real-Time Research ReportHow much should you buy?
- 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.
26.03%
0.76
28.69%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.00%
EBIT Growth (5y)
9.43%
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
44.40%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.29
EV to EBIT
-38.61
EV to EBITDA
-30.62
EV to Capital Employed
1.71
EV to Sales
-5.97
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-4.43%
ROE (Latest)
3.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NET PROFIT(HY)
At JPY 946 MM has Grown at 77.91%
NII(Q)
Highest at JPY 2,738 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 75.96%
NET SALES(Q)
Highest at JPY 3,249 MM
OPERATING PROFIT(Q)
Highest at JPY 884 MM
-5What is not working for the Company
INTEREST(9M)
At JPY 1,434 MM has Grown at 330.63%
OPERATING PROFIT MARGIN(Q)
Lowest at 27.21 %
Here's what is working for The Tohoku Bank Ltd.
NII
Highest at JPY 2,738 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Profit
At JPY 946 MM has Grown at 77.91%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
Highest at JPY 3,249 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 3,249 MM has Grown at 19.36%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 884 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Credit Deposit Ratio
Highest at 75.96%
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 (%)
Depreciation
Highest at JPY 123 MM
in the last five periodsMOJO 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 Tohoku Bank Ltd.
Interest
At JPY 1,434 MM has Grown at 330.63%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit Margin
Lowest at 27.21 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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