ScoreWhy is Tsukuba Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.06%
- The bank has been able to generate a Return on Assets (avg) of 0.06% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.12% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 27.40%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.12% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.06% signifying low profitability per unit of total assets
3
The company has declared negative results in Mar'2026 after 4 consecutive positive quarters
- INTEREST(9M) At JPY 4,478 MM has Grown at 173.55%
- ROCE(HY) Lowest at 0.23%
- CASH AND EQV(HY) Lowest at JPY 370,781 MM
4
With ROA of 0.14%, it has a very attractive valuation with a 0.49 Price to Book Value
- Over the past year, while the stock has generated a return of 173.48%, 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 0
Real-Time Research ReportHow much should you hold?
- 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.
180.09%
1.93
52.01%
Japan Nikkei 225
88.41%
3.25
27.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.90%
EBIT Growth (5y)
59.24%
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
10.07%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.49
EV to EBIT
-3.01
EV to EBITDA
-1.39
EV to Capital Employed
-0.12
EV to Sales
-0.20
PEG Ratio
0.14
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.23%
NET SALES(Q)
Highest at JPY 9,057 MM
NET PROFIT(9M)
Higher at JPY 5,340.76 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 86.53%
-15What is not working for the Company
INTEREST(9M)
At JPY 4,478 MM has Grown at 173.55%
ROCE(HY)
Lowest at 0.23%
CASH AND EQV(HY)
Lowest at JPY 370,781 MM
OPERATING PROFIT(Q)
Lowest at JPY 150 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 1.66 %
PRE-TAX PROFIT(Q)
Lowest at JPY 812 MM
NET PROFIT(Q)
Lowest at JPY 1,331 MM
EPS(Q)
Lowest at JPY 7.06
Here's what is working for Tsukuba Bank, Ltd.
Net Sales
Highest at JPY 9,057 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 86.53%
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 (%)
Here's what is not working for Tsukuba Bank, Ltd.
Interest
At JPY 4,478 MM has Grown at 173.55%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY 812 MM has Fallen at -59.74%
over average net sales of the previous four periods of JPY 2,016.75 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Operating Profit
Lowest at JPY 150 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 1.66 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY 812 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY 1,331 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 7.06
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Cash and Eqv
Lowest at JPY 370,781 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 1.45 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
