Tsukuba Bank, Ltd. (8338) 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

The Shikoku Bank, Ltd.

Tsukuba Bank, Ltd.

The Akita Bank Ltd.

The Ehime Bank, Ltd.

FIDEA Holdings Co., Ltd.

The Yamagata Bank, Ltd.

Oita Bank, Ltd.

The Tochigi Bank, Ltd.

The Bank of Saga Ltd.

HS Holdings Co., Ltd.

The Towa Bank, Ltd.

Why is Tsukuba Bank, Ltd. ?

With a growth in Interest of 6.66%, the company declared Outstanding results in Dec 25

NET PROFIT(HY) At JPY 4,009.76 MM has Grown at 228.34%
NII(Q) Highest at JPY 7,521 MM
ROCE(HY) Highest at 0.25%

With ROA of 0.14%, it has a very attractive valuation with a 0.21 Price to Book Value

Over the past year, while the stock has generated a return of 122.85%, its profits have risen by 87% ; the PEG ratio of the company is 0.1
At the current price, the company has a high dividend yield of 2.1

Market Beating performance in long term as well as near term

Along with generating 122.85% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Tsukuba 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 Tsukuba Bank, Ltd. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Tsukuba Bank, Ltd.

122.85%

1.64

54.68%

Japan Nikkei 225

36.73%

1.30

28.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.90%

EBIT Growth (5y)

95.50%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

10.07%

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

0.21

EV to EBIT

-26.01

EV to EBITDA

-26.01

EV to Capital Employed

2.08

EV to Sales

-4.92

PEG Ratio

0.05

Dividend Yield

2.12%

ROCE (Latest)

-8.02%

ROE (Latest)

4.47%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bearish

No Trend

OBV

No Trend

Bullish

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

24What is working for the Company

NET PROFIT(HY)

At JPY 4,009.76 MM has Grown at 228.34%

NII(Q)

Highest at JPY 7,521 MM

ROCE(HY)

Highest at 0.25%

NET SALES(Q)

Highest at JPY 8,926 MM

PRE-TAX PROFIT(Q)

Highest at JPY 2,485 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 83.95%

EPS(Q)

Highest at JPY 9.79

-7What is not working for the Company

INTEREST(9M)

At JPY 3,911 MM has Grown at 253.62%

ROCE(HY)

Lowest at 0.25%

CASH AND EQV(HY)

Lowest at JPY 408,199 MM

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

NII

Highest at JPY 7,521 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Profit

At JPY 4,009.76 MM has Grown at 228.34%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JPY MM)

Net Sales

Highest at JPY 8,926 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 2,485 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (JPY MM)

Net Sales

At JPY 8,926 MM has Grown at 14.76%

over average net sales of the previous four periods of JPY 7,778 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

At JPY 2,485 MM has Grown at 56.81%

over average net sales of the previous four periods of JPY 1,584.75 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

EPS

Highest at JPY 9.79

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Credit Deposit Ratio

Highest at 83.95%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

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

Interest

At JPY 3,911 MM has Grown at 253.62%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Cash and Eqv

Lowest at JPY 408,199 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Non Operating Income

Highest at JPY 0.54 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income