ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Yamagata Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.51% 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 10.51% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.07% signifying low profitability per unit of total assets
2
Poor long term growth as Net profit has grown by an annual rate of 11.70%
3
Flat results in Dec 25
- INTEREST(9M) At JPY 6,385 MM has Grown at 76.09%
- ROCE(HY) Lowest at 0.16%
4
With ROA of 0.14%, it has a very attractive valuation with a 0.36 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 58.93%, its profits have risen by 112% ; the PEG ratio of the company is 0.1
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow 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.
58.93%
2.88
37.87%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.40%
EBIT Growth (5y)
-172.86%
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
32.57%
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
0.36
EV to EBIT
78.16
EV to EBITDA
-53.85
EV to Capital Employed
-2.82
EV to Sales
-2.05
PEG Ratio
0.10
Dividend Yield
0.03%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.25%
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
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET SALES(HY)
At JPY 20,074 MM has Grown at 32.31%
ROCE(HY)
Highest at 0.16%
CREDIT DEPOSIT RATIO(HY)
Highest at 71.37%
-6What is not working for the Company
INTEREST(9M)
At JPY 6,385 MM has Grown at 76.09%
ROCE(HY)
Lowest at 0.16%
Here's what is working for The Yamagata Bank, Ltd.
Net Sales
At JPY 20,074 MM has Grown at 32.31%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 71.37%
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 (%)
Here's what is not working for The Yamagata Bank, Ltd.
Interest
At JPY 6,385 MM has Grown at 76.09%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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