ScoreComparison
Why is Thurgauer Kantonalbank ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Flat results in Jun 25
- NET SALES(Q) Lowest at CHF 216.86 MM
3
With ROA of 0.42%, it has a Very Attractive valuation with a 0.22 Price to Book Value
- Over the past year, while the stock has generated a return of 27.84%, its profits have fallen by -1%
4
Consistent Returns over the last 3 years
- Along with generating 27.84% returns in the last 1 year, the stock has outperformed Switzerland SMI in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Thurgauer Kantonalbank 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 Thurgauer Kantonalbank for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Thurgauer Kantonalbank
27.06%
3.36
16.64%
Switzerland SMI
10.0%
0.63
15.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.90%
EBIT Growth (5y)
2.80%
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
8.61%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.22
EV to EBIT
50.64
EV to EBITDA
47.48
EV to Capital Employed
0.79
EV to Sales
15.04
PEG Ratio
NA
Dividend Yield
1.09%
ROCE (Latest)
1.55%
ROE (Latest)
5.53%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 144.5%
OPERATING PROFIT MARGIN(Q)
Highest at 40.62 %
-1What is not working for the Company
NET SALES(Q)
Lowest at CHF 216.86 MM
Here's what is working for Thurgauer Kantonalbank
Operating Profit Margin
Highest at 40.62 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 144.5%
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 (%)
CASA
Highest at 19.47%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Thurgauer Kantonalbank
Net Sales
Lowest at CHF 216.86 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CHF MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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