ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Tottori Bank Ltd. ?
1
With a growth in Operating Profit of 99.2%, the company declared Very Positive results in Dec 25
- ROCE(HY) Highest at 0.16%
- NII(Q) Highest at JPY 2,889 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 86.31%
2
With ROA of 0.12%, it has a very attractive valuation with a 0.25 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 27.60%, its profits have risen by 24% ; the PEG ratio of the company is 0.4
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to The Tottori 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 Tottori Bank Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Tottori Bank Ltd.
27.6%
0.90
24.80%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.40%
EBIT Growth (5y)
36.65%
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
35.64%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.25
EV to EBIT
-109.31
EV to EBITDA
-45.23
EV to Capital Employed
2.63
EV to Sales
-5.21
PEG Ratio
0.38
Dividend Yield
NA
ROCE (Latest)
-2.41%
ROE (Latest)
2.74%
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
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
ROCE(HY)
Highest at 0.16%
NII(Q)
Highest at JPY 2,889 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 86.31%
NET SALES(Q)
Highest at JPY 3,476 MM
OPERATING PROFIT(Q)
Highest at JPY 747 MM
PRE-TAX PROFIT(Q)
Highest at JPY 1,270 MM
NET PROFIT(Q)
Highest at JPY 865.25 MM
EPS(Q)
Highest at JPY 89.43
-6What is not working for the Company
INTEREST(9M)
At JPY 1,629 MM has Grown at 242.95%
ROCE(HY)
Lowest at 0.16%
Here's what is working for The Tottori Bank Ltd.
NII
Highest at JPY 2,889 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 3,476 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 3,476 MM has Grown at 21.75%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 747 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 1,270 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 1,270 MM has Grown at 83.26%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 865.25 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 865.25 MM has Grown at 85.28%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 89.43
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 86.31%
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 191 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 Tottori Bank Ltd.
Interest
At JPY 1,629 MM has Grown at 242.95%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Non Operating Income
Highest at JPY 0.43 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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