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
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%
4
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
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.
164.39%
2.22
55.14%
Japan Nikkei 225
59.79%
2.06
29.57%
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
6.25%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.55
EV to EBIT
0.27
EV to EBITDA
0.12
EV to Capital Employed
0.01
EV to Sales
0.02
PEG Ratio
0.16
Dividend Yield
NA
ROCE (Latest)
3.98%
ROE (Latest)
3.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NET SALES(Q)
Highest at JPY 9,701 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 2.28%
NII(Q)
Highest at JPY 7,703 MM
PRE-TAX PROFIT(Q)
Highest at JPY 2,517 MM
EPS(Q)
Highest at JPY 14.88
-5What is not working for the Company
INTEREST(9M)
At JPY 5,160 MM has Grown at 105.17%
CASH AND EQV(HY)
Lowest at JPY 385,971 MM
Here's what is working for Tsukuba Bank, Ltd.
Net Sales
Highest at JPY 9,701 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 2.28% and Grown
In each half year 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 (%)
NII
Highest at JPY 7,703 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
At JPY 9,701 MM has Grown at 12.27%
over average net sales of the previous four periods of JPY 8,640.5 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 2,517 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
EPS
Highest at JPY 14.88
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for Tsukuba Bank, Ltd.
Interest
At JPY 5,160 MM has Grown at 105.17%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 385,971 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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."
