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 13.01% 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 13.01% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.09% 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 Dec 25
- NII(Q) Highest at JPY 10,304 MM
- NET PROFIT(HY) At JPY 4,341.48 MM has Grown at 107.43%
- ROCE(HY) Highest at 0.22%
3
With ROA of 0.16%, it has a very attractive valuation with a 0.39 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 121.27%, its profits have risen by 36% ; the PEG ratio of the company is 0.3
- 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.
121.27%
3.21
46.05%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.90%
EBIT Growth (5y)
-16.52%
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
11
Industry P/E
Price to Book Value
0.39
EV to EBIT
40.43
EV to EBITDA
24.92
EV to Capital Employed
0.52
EV to Sales
3.84
PEG Ratio
0.31
Dividend Yield
0.02%
ROCE (Latest)
1.29%
ROE (Latest)
3.60%
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
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at JPY 10,304 MM
NET PROFIT(HY)
At JPY 4,341.48 MM has Grown at 107.43%
ROCE(HY)
Highest at 0.22%
NET SALES(Q)
Highest at JPY 12,880 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
-7What is not working for the Company
INTEREST(9M)
At JPY 7,083 MM has Grown at 351.15%
ROCE(HY)
Lowest at 0.22%
CASH AND EQV(HY)
Lowest at JPY 976,331 MM
Here's what is working for The Yamanashi Chuo Bank, Ltd.
NII
Highest at JPY 10,304 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 12,880 MM and Grown
In each period in the last five periodsMOJO 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 (%)
Net Profit
At JPY 4,341.48 MM has Grown at 107.43%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
At JPY 12,880 MM has Grown at 18.75%
over average net sales of the previous four periods of JPY 10,846.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for The Yamanashi Chuo Bank, Ltd.
Interest
At JPY 7,083 MM has Grown at 351.15%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 976,331 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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