ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Yamanashi Chuo Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.08%
- The bank has been able to generate a Return on Assets (avg) of 0.08% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.26% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 26.40%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.26% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.08% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 26.40%
4
The company has declared Positive results for the last 6 consecutive quarters
- NII(Q) Highest at JPY 12,511 MM
- ROCE(HY) Highest at 0.24%
- NET SALES(Q) Highest at JPY 16,095 MM
5
With ROA of 0.13%, it has a expensive valuation with a 0.86 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 131.99%, its profits have risen by 30% ; the PEG ratio of the company is 0.7
- 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 Yamanashi Chuo Bank, Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Yamanashi Chuo Bank, Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Yamanashi Chuo Bank, Ltd.
131.99%
5.76
43.01%
Japan Nikkei 225
60.14%
2.05
29.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.70%
EBIT Growth (5y)
21.93%
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
40.19%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
0.86
EV to EBIT
34.45
EV to EBITDA
28.66
EV to Capital Employed
0.93
EV to Sales
7.63
PEG Ratio
0.67
Dividend Yield
NA
ROCE (Latest)
2.69%
ROE (Latest)
4.28%
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
No Trend
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
NII(Q)
Highest at JPY 12,511 MM
ROCE(HY)
Highest at 0.24%
NET SALES(Q)
Highest at JPY 16,095 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
OPERATING PROFIT(Q)
Highest at JPY 3,839 MM
PRE-TAX PROFIT(Q)
Highest at JPY 6,861 MM
NET PROFIT(Q)
Highest at JPY 4,754.39 MM
EPS(Q)
Highest at JPY 154.76
-7What is not working for the Company
INTEREST(9M)
At JPY 9,267 MM has Grown at 120.96%
ROCE(HY)
Lowest at 0.24%
CASH AND EQV(HY)
Lowest at JPY 625,460 MM
Here's what is working for The Yamanashi Chuo Bank, Ltd.
NII
Highest at JPY 12,511 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 16,095 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 16,095 MM has Grown at 24.83%
over average net sales of the previous four periods of JPY 12,893.25 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
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 (%)
Operating Profit
Highest at JPY 3,839 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 6,861 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 6,861 MM has Grown at 98.6%
over average net sales of the previous four periods of JPY 3,454.75 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 4,754.39 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 4,754.39 MM has Grown at 90.32%
over average net sales of the previous four periods of JPY 2,498.12 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 154.76
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Depreciation
Highest at JPY 610 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 Yamanashi Chuo Bank, Ltd.
Interest
At JPY 9,267 MM has Grown at 120.96%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 625,460 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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