ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Tottori Bank Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.06%
- The bank has been able to generate a Return on Assets (avg) of 0.06% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.27% 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 7.90%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.27% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.06% 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% and Net profit at 7.90%
4
Flat results in Jun 26
- INTEREST(9M) At JPY 2,228 MM has Grown at 116.31%
- ROCE(HY) Lowest at 0.16%
- CASH AND EQV(HY) Lowest at JPY 160,682 MM
5
With ROA of 0.12%, it has a attractive valuation with a 0.30 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 40.29%, its profits have risen by 24% ; the PEG ratio of the company is 0.5
Real-Time Research ReportHow much should you hold?
- 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.
42.61%
1.15
26.44%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.40%
EBIT Growth (5y)
6.20%
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
29.56%
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
0.30
EV to EBIT
382.95
EV to EBITDA
-76.10
EV to Capital Employed
3.99
EV to Sales
-4.29
PEG Ratio
0.47
Dividend Yield
NA
ROCE (Latest)
1.04%
ROE (Latest)
2.59%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.16%
NII(Q)
Highest at JPY 3,177 MM
NET PROFIT(9M)
Higher at JPY 1,647.25 MM
NET SALES(Q)
Highest at JPY 4,063 MM
OPERATING PROFIT(Q)
Highest at JPY 852 MM
-7What is not working for the Company
INTEREST(9M)
At JPY 2,228 MM has Grown at 116.31%
ROCE(HY)
Lowest at 0.16%
CASH AND EQV(HY)
Lowest at JPY 160,682 MM
Here's what is working for The Tottori Bank Ltd.
NII
Highest at JPY 3,177 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 4,063 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 4,063 MM has Grown at 24.59%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 852 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Net Profit
Higher at JPY 1,647.25 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (JPY MM)
Depreciation
Highest at JPY 200 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 2,228 MM has Grown at 116.31%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 160,682 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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