Keiyo Bank Ltd is a Japanese regional bank operating in the Chiba prefecture. Nearly half of its banking locations are in Chiba proper. Its commercial banking activities include consumer loans, foreign currency deposits, and ATM services. Most of the bank's earning assets are in loans and bill discounted, along with securities. Most of its retail loan portfolio is concentrated in housing loans and loans to small and midsize companies. The bank relies on a consulting arm that works with customers to curtail nonperforming loans. In addition to net interest income, the bank relies on fees and commissions to generate income.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.77
Equity-to-Asset	0.05
Debt-to-Equity	1.61
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.97	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-1.5
	3-Year EPS without NRI Growth Rate	24.3
	3-Year Book Growth Rate	2.8

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	68.66
	9-Day RSI	63.63
	14-Day RSI	59.77
	6-1 Month Momentum %	6.84
	12-1 Month Momentum %	32.28

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.96
	Dividend Payout Ratio	0.26
	3-Year Dividend Growth Rate	1.6
	Forward Dividend Yield %	2.96
	5-Year Yield-on-Cost %	3.1
	3-Year Average Share Buyback Ratio	1.3
	Shareholder Yield %	134.53

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	17.08
	FCF Margin %	-829.9
	ROE %	3.63
	ROA %	0.16
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.13
	PE Ratio without NRI	9.1
	Shiller PE Ratio	8.69
	PEG Ratio	7.58
	PS Ratio	1.57
	PB Ratio	0.32
	Price-to-Tangible-Book	0.33
	EV-to-Revenue	-12.23
	EV-to-FCF	1.47
	Price-to-Projected-FCF	0.06
	Price-to-Median-PS-Value	1.03
	Price-to-Graham-Number	0.37
	FCF Yield %	-541.56
	Forward Rate of Return (Yacktman) %	183.57

GF Value: 円527.33

TSE:8544

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