ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Yamagata Bank, Ltd. ?
1
With a growth in Operating Profit of 9.7%, the company declared Outstanding results in Mar 26
- ROCE(HY) Highest at 0.2%
- CREDIT DEPOSIT RATIO(Q) Highest at 0.98%
- NII(Q) Highest at JPY 8,737 MM
2
With ROA of 0.13%, it has a very attractive valuation with a 0.52 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 129.79%, 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
3
Market Beating performance in long term as well as near term
- Along with generating 129.79% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- 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.
129.79%
5.56
34.94%
Japan Nikkei 225
88.41%
3.12
27.27%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.40%
EBIT Growth (5y)
1.81%
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
18
Industry P/E
Price to Book Value
0.52
EV to EBIT
11.33
EV to EBITDA
7.76
EV to Capital Employed
0.40
EV to Sales
1.58
PEG Ratio
0.16
Dividend Yield
NA
ROCE (Latest)
3.55%
ROE (Latest)
2.89%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
ROCE(HY)
Highest at 0.2%
CREDIT DEPOSIT RATIO(Q)
Highest at 0.98%
NII(Q)
Highest at JPY 8,737 MM
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 11,330 MM
OPERATING PROFIT(Q)
Highest at JPY 2,159 MM
OPERATING PROFIT MARGIN(Q)
Highest at 19.06 %
PRE-TAX PROFIT(Q)
Highest at JPY 3,292 MM
NET PROFIT(Q)
Highest at JPY 2,436.7 MM
EPS(Q)
Highest at JPY 77.38
-7What is not working for the Company
INTEREST(9M)
At JPY 7,009 MM has Grown at 77.31%
ROCE(HY)
Lowest at 0.2%
CASH AND EQV(HY)
Lowest at JPY 383,599 MM
Here's what is working for The Yamagata Bank, Ltd.
Credit Deposit Ratio
Highest at 0.98% 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 (%)
NII
Highest at JPY 8,737 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 11,330 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 11,330 MM has Grown at 21.19%
over average net sales of the previous four periods of JPY 9,349 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 2,159 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 19.06 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 3,292 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 3,292 MM has Grown at 82.05%
over average net sales of the previous four periods of JPY 1,808.25 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 2,436.7 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 2,436.7 MM has Grown at 89.97%
over average net sales of the previous four periods of JPY 1,282.68 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 77.38
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Here's what is not working for The Yamagata Bank, Ltd.
Interest
At JPY 7,009 MM has Grown at 77.31%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 383,599 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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