Tomato Bank, Ltd. (8542) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Tsukuba Bank, Ltd.

The Akita Bank Ltd.

The Ehime Bank, Ltd.

The Kita-Nippon Bank, Ltd.

Tomato Bank, Ltd.

FIDEA Holdings Co., Ltd.

The Yamagata Bank, Ltd.

Shimizu Bank, Ltd.

The Tochigi Bank, Ltd.

The Bank of Saga Ltd.

The Towa Bank, Ltd.

Why is Tomato Bank, Ltd. ?

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

Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.09%

With a growth in Operating Profit of 7.57%, the company declared Very Positive results in Dec 25

ROCE(HY) Highest at 0.15%
NII(Q) Highest at JPY 3,484 MM
NET SALES(Q) Highest at JPY 4,197 MM

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 32.28%, 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 Report

Verdict Report

How 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.

32.28%

1.20

26.61%

Japan Nikkei 225

41.2%

1.45

28.34%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.00%

EBIT Growth (5y)

15.00%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

34.86%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

ROCE(HY)

Highest at 0.15%

NII(Q)

Highest at JPY 3,484 MM

NET SALES(Q)

Highest at JPY 4,197 MM

OPERATING PROFIT(Q)

Highest at JPY 1,331 MM

OPERATING PROFIT MARGIN(Q)

Highest at 31.71 %

PRE-TAX PROFIT(Q)

Highest at JPY 1,275 MM

NET PROFIT(Q)

Highest at JPY 885 MM

EPS(Q)

Highest at JPY 40.84

-6What is not working for the Company

INTEREST(9M)

At JPY 2,038 MM has Grown at 243.68%

ROCE(HY)

Lowest at 0.15%

Here's what is working for Tomato Bank, Ltd.

NII

Highest at JPY 3,484 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

Highest at JPY 4,197 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Operating Profit

Highest at JPY 1,331 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (JPY MM)

Operating Profit Margin

Highest at 31.71 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at JPY 1,275 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Pre-Tax Profit

At JPY 1,275 MM has Grown at 101.18%

over average net sales of the previous four periods of JPY 633.75 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 885 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Net Profit

At JPY 885 MM has Grown at 98.36%

over average net sales of the previous four periods of JPY 446.17 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 40.84

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Depreciation

Highest at JPY 203 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (JPY MM)

Here's what is not working for Tomato Bank, Ltd.

Interest

At JPY 2,038 MM has Grown at 243.68%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)