ScoreWhy is The Towa Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.25% 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 9.30%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.25% 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
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 9.30%
3
Negative results in Mar 26
- INTEREST(9M) At JPY 3,734 MM has Grown at 189.46%
- NET PROFIT(Q) Lowest at JPY -28,022 MM
- OPERATING PROFIT(Q) Lowest at JPY -32,648 MM
4
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 106.61%, its profits have risen by 28% ; the PEG ratio of the company is 0.3
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is The Towa Bank, Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Towa Bank, Ltd.
106.61%
2.52
41.43%
Japan Nikkei 225
75.22%
2.67
28.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.70%
EBIT Growth (5y)
-5.49%
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
28.61%
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
0.44
EV to EBIT
-12.09
EV to EBITDA
-7.57
EV to Capital Employed
-5.90
EV to Sales
-1.77
PEG Ratio
0.30
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
5.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at JPY 7,360 MM
NET SALES(Q)
Highest at JPY 8,860 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 75.87%
-24What is not working for the Company
INTEREST(9M)
At JPY 3,734 MM has Grown at 189.46%
NET PROFIT(Q)
Lowest at JPY -28,022 MM
OPERATING PROFIT(Q)
Lowest at JPY -32,648 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -368.49 %
PRE-TAX PROFIT(Q)
Lowest at JPY -33,352 MM
EPS(Q)
Lowest at JPY -790.76
Here's what is working for The Towa Bank, Ltd.
NII
Highest at JPY 7,360 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at JPY 8,860 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 8,860 MM has Grown at 22.73%
over average net sales of the previous four periods of JPY 7,219.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 75.87%
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 595 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 Towa Bank, Ltd.
Interest
At JPY 3,734 MM has Grown at 189.46%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY -33,352 MM has Fallen at -2,047.85%
over average net sales of the previous four periods of JPY 1,712.25 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY -28,022 MM has Fallen at -2,307.64%
over average net sales of the previous four periods of JPY 1,269.32 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Net Profit
Lowest at JPY -28,022 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Operating Profit
Lowest at JPY -32,648 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -368.49 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY -33,352 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
EPS
Lowest at JPY -790.76
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
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