The Yamagata Bank, Ltd. (8344) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Bank of Toyama Ltd.

The Miyazaki Bank Ltd.

Okinawa Financial Group, Inc.

Bank of The Ryukyus, Ltd.

The Shikoku Bank, Ltd.

The Bank of Iwate Ltd.

Oita Bank, Ltd.

The Yamagata Bank, Ltd.

San ju San Financial Group, Inc.

The Ehime Bank, Ltd.

HS Holdings Co., Ltd.

Why is The Yamagata Bank, Ltd. ?

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

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.52% signifying inadequate buffers against its risk based assets

Poor long term growth as Net profit has grown by an annual rate of 11.70%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.52% 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

Poor long term growth as Net profit has grown by an annual rate of 11.70%

Flat results in Jun 26

INTEREST(9M) At JPY 7,797 MM has Grown at 61.9%
ROCE(HY) Lowest at 0.23%
OPERATING PROFIT(Q) Lowest at JPY -1,916 MM

With ROA of 0.13%, it has a very attractive valuation with a 0.75 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 180.46%, its profits have risen by 112% ; the PEG ratio of the company is 0.2
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The Yamagata Bank, Ltd. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is The Yamagata Bank, Ltd. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

The Yamagata Bank, Ltd.

174.14%

6.91

39.28%

Japan Nikkei 225

59.79%

2.06

29.57%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.40%

EBIT Growth (5y)

1.81%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

40.41%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.75

EV to EBIT

19.41

EV to EBITDA

13.29

EV to Capital Employed

0.69

EV to Sales

2.71

PEG Ratio

0.23

Dividend Yield

ROCE (Latest)

3.55%

ROE (Latest)

2.89%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

NET SALES(HY)

At JPY 22,149 MM has Grown at 27.87%

ROCE(HY)

Highest at 0.23%

PRE-TAX PROFIT(Q)

Highest at JPY 3,599 MM

NET PROFIT(Q)

Highest at JPY 2,651 MM

EPS(Q)

Highest at JPY 85.51

-8What is not working for the Company

INTEREST(9M)

At JPY 7,797 MM has Grown at 61.9%

ROCE(HY)

Lowest at 0.23%

OPERATING PROFIT(Q)

Lowest at JPY -1,916 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -17.71 %

Here's what is working for The Yamagata Bank, Ltd.

Net Sales

At JPY 22,149 MM has Grown at 27.87%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 3,599 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Pre-Tax Profit

At JPY 3,599 MM has Grown at 59.37%

over average net sales of the previous four periods of JPY 2,258.25 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 2,651 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Net Profit

At JPY 2,651 MM has Grown at 62.32%

over average net sales of the previous four periods of JPY 1,633.18 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 85.51

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Depreciation

Highest at JPY 461 MM

in the last five periods

MOJO 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 Yamagata Bank, Ltd.

Interest

At JPY 7,797 MM has Grown at 61.9%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Operating Profit

Lowest at JPY -1,916 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (JPY MM)

Operating Profit Margin

Lowest at -17.71 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Non Operating Income

Highest at JPY 1.53 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income