ScoreComparison
Why is The Tohoku Bank Ltd. ?
1
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 20.70%, 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.
20.38%
0.61
24.18%
Japan Nikkei 225
28.54%
1.14
25.81%
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
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at JPY 2,593 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 73.88%
NET SALES(Q)
Highest at JPY 3,035 MM
OPERATING PROFIT(Q)
Highest at JPY 854 MM
PRE-TAX PROFIT(Q)
Highest at JPY 858 MM
NET PROFIT(Q)
Highest at JPY 596 MM
EPS(Q)
Highest at JPY 31.86
-7What is not working for the Company
INTEREST(9M)
At JPY 925 MM has Grown at 1,645.28%
NET PROFIT(HY)
At JPY 627.76 MM has Grown at -38.68%
OPERATING PROFIT MARGIN(Q)
Lowest at 28.14 %
Here's what is working for The Tohoku Bank Ltd.
NII
Highest at JPY 2,593 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 3,035 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 3,035 MM has Grown at 22.13%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 854 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 858 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 596 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 31.86
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 73.88%
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 107 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
CASA
Highest at 9.08%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for The Tohoku Bank Ltd.
Interest
At JPY 925 MM has Grown at 1,645.28%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit Margin
Lowest at 28.14 %
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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