ScoreWhy is The Towa Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.09%
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
2
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
3
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%
4
Negative results in Jun 26
- INTEREST(9M) At JPY 4,397 MM has Grown at 119.19%
- NET PROFIT(HY) At JPY -31,040 MM has Grown at -937.33%
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.
69.55%
2.22
44.19%
Japan Nikkei 225
57.85%
1.98
29.31%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.61
EV to EBIT
-7.68
EV to EBITDA
-4.81
EV to Capital Employed
-3.75
EV to Sales
-1.12
PEG Ratio
0.43
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
5.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NET SALES(Q)
At JPY 8,780 MM has Grown at 11.84%
-12What is not working for the Company
INTEREST(9M)
At JPY 4,397 MM has Grown at 119.19%
NET PROFIT(HY)
At JPY -31,040 MM has Grown at -937.33%
Here's what is working for The Towa Bank, Ltd.
Credit Deposit Ratio
Highest at 0% and Grown
In each half year 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 (%)
Net Sales
At JPY 8,780 MM has Grown at 11.84%
over average net sales of the previous four periods of JPY 7,850.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for The Towa Bank, Ltd.
Net Profit
At JPY -31,040 MM has Grown at -937.33%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Interest
At JPY 4,397 MM has Grown at 119.19%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Non Operating Income
Highest at JPY 0.77 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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