ScoreWhy is Tomato Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.73% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.73% 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
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.09%
3
Flat results in Jun 25
- INTEREST(9M) At JPY 1,303 MM has Grown at 489.59%
- NII(Q) Lowest at JPY 3,251 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 83.39%
4
With ROA of 0.13%, it has a very attractive valuation with a 0.25 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 24.94%, its profits have risen by 19% ; the PEG ratio of the company is 0.4
- 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 Tomato 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 Tomato Bank, Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Tomato Bank, Ltd.
24.94%
1.02
17.72%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.00%
EBIT Growth (5y)
15.00%
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
34.86%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.25
EV to EBIT
-31.70
EV to EBITDA
-22.87
EV to Capital Employed
3.00
EV to Sales
-4.39
PEG Ratio
0.41
Dividend Yield
0.04%
ROCE (Latest)
-9.46%
ROE (Latest)
3.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
NET SALES(Q)
Highest at JPY 3,890 MM
-11What is not working for the Company
INTEREST(9M)
At JPY 1,303 MM has Grown at 489.59%
NII(Q)
Lowest at JPY 3,251 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 83.39%
OPERATING PROFIT(Q)
Lowest at JPY 564 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 14.5 %
PRE-TAX PROFIT(Q)
At JPY 437 MM has Fallen at -31.93%
NET PROFIT(Q)
At JPY 298 MM has Fallen at -34.38%
Here's what is working for Tomato Bank, Ltd.
Net Sales
Highest at JPY 3,890 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for Tomato Bank, Ltd.
Interest
At JPY 1,303 MM has Grown at 489.59%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
NII
Lowest at JPY 3,251 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JPY MM)
Operating Profit
Lowest at JPY 564 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 14.5 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
At JPY 437 MM has Fallen at -31.93%
over average net sales of the previous four periods of JPY 642 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 298 MM has Fallen at -34.38%
over average net sales of the previous four periods of JPY 454.14 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
Credit Deposit Ratio
Lowest at 83.39%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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