ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Yamanashi Chuo Bank, Ltd. ?
1
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 15.30%
- 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
2
With a growth in Operating Profit of 10.3%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 5 consecutive quarters
- NII(Q) Highest at JPY 12,117 MM
- ROCE(HY) Highest at 0.22%
- DIVIDEND PER SHARE(HY) Highest at JPY 0
3
With ROA of 0.16%, it has a fair valuation with a 0.72 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 142.22%, its profits have risen by 36% ; the PEG ratio of the company is 0.6
- 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.
142.22%
5.24
40.14%
Japan Nikkei 225
75.22%
2.67
28.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.90%
EBIT Growth (5y)
-0.41%
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
30.23%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
0.72
EV to EBIT
26.34
EV to EBITDA
20.94
EV to Capital Employed
0.77
EV to Sales
6.05
PEG Ratio
0.61
Dividend Yield
NA
ROCE (Latest)
2.94%
ROE (Latest)
3.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at JPY 12,117 MM
ROCE(HY)
Highest at 0.22%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 15,224 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 79.56%
-9What is not working for the Company
INTEREST(9M)
At JPY 8,264 MM has Grown at 202.93%
ROCE(HY)
Lowest at 0.22%
CASH AND EQV(HY)
Lowest at JPY 771,807 MM
OPERATING PROFIT(Q)
Lowest at JPY -1,873 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -12.3 %
Here's what is working for The Yamanashi Chuo Bank, Ltd.
NII
Highest at JPY 12,117 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 15,224 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 15,224 MM has Grown at 29.65%
over average net sales of the previous four periods of JPY 11,742 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Dividend per share
Highest at JPY 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Credit Deposit Ratio
Highest at 79.56%
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 (%)
Depreciation
Highest at JPY 605 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 8,264 MM has Grown at 202.93%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -1,873 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -12.3 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 771,807 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 1.54 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
