ScoreWhy is Tsukuba Bank, Ltd. ?
1
Positive results in Jun 25
- ROCE(HY) Highest at 0.15%
- NET SALES(Q) Highest at JPY 8,035 MM
- NII(Q) Highest at JPY 6,845 MM
2
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 59.36%, 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
3
Market Beating performance in long term as well as near term
- Along with generating 59.36% 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 ReportHow 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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Tsukuba Bank, Ltd.
53.52%
0.63
43.82%
Japan Nikkei 225
28.54%
1.14
25.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.90%
EBIT Growth (5y)
95.50%
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
5
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
ROCE(HY)
Highest at 0.15%
NET SALES(Q)
Highest at JPY 8,035 MM
NII(Q)
Highest at JPY 6,845 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 81.99%
PRE-TAX PROFIT(Q)
Highest at JPY 1,997 MM
NET PROFIT(Q)
Highest at JPY 1,728 MM
EPS(Q)
Highest at JPY 7.5
-6What is not working for the Company
INTEREST(9M)
At JPY 2,515 MM has Grown at 401%
ROCE(HY)
Lowest at 0.15%
Here's what is working for Tsukuba Bank, Ltd.
Net Sales
Highest at JPY 8,035 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 6,845 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
At JPY 8,035 MM has Grown at 13.74%
over average net sales of the previous four periods of JPY 7,064.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 1,997 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 1,997 MM has Grown at 79.67%
over average net sales of the previous four periods of JPY 1,111.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 1,728 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 1,728 MM has Grown at 66.03%
over average net sales of the previous four periods of JPY 1,040.8 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 7.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 81.99%
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 (%)
CASA
Highest at 9.46%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Tsukuba Bank, Ltd.
Interest
At JPY 2,515 MM has Grown at 401%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Non Operating Income
Highest at JPY 0.32 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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