25 XP   0   0   10

Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO
Buy, Hold or Sell?

Let's analyse Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO together

PenkeI guess you are interested in Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

Get notifications about Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO

I send you an email if I find something interesting about Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

Quick analysis of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO (30 sec.)










What can you expect buying and holding a share of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO? (30 sec.)

How much money do you get?

How much money do you get?
₽0.28
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
₽164.56
Expected worth in 1 year
₽164.35
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
₽25.36
Return On Investment
14.2%

For what price can you sell your share?

Current Price per Share
₽179.00
Expected price per share
₽163.93 - ₽194.00
How sure are you?
50%
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1. Valuation of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO (5 min.)




Live pricePrice per Share (EOD)

₽179.00

Intrinsic Value Per Share

₽-76.37 - ₽1,908.78

Total Value Per Share

₽88.18 - ₽2,073.34

2. Growth of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO (5 min.)




Is Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO growing?

Current yearPrevious yearGrowGrow %
How rich?$28.3m$26.9m$1.4m5.0%

How much money is Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO making?

Current yearPrevious yearGrowGrow %
Making money$2.6m$1.7m$926.3k35.0%
Net Profit Margin16.9%14.1%--

How much money comes from the company's main activities?

3. Financial Health of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

What can you expect buying and holding a share of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO? (5 min.)

Welcome investor! Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO's management wants to use your money to grow the business. In return you get a share of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

What can you expect buying and holding a share of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO?

First you should know what it really means to hold a share of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. And how you can make/lose money.

Speculation

The Price per Share of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is ₽179.00. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ₽164.56. Based on the TTM, the Book Value Change Per Share is ₽-0.05 per quarter. Based on the YOY, the Book Value Change Per Share is ₽54.86 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ₽6.39 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.180.1%0.180.1%0.090.1%0.110.1%0.070.0%
Usd Book Value Change Per Share0.000.0%0.000.0%0.590.3%0.160.1%0.080.0%
Usd Dividend Per Share0.070.0%0.070.0%0.070.0%0.070.0%0.050.0%
Usd Total Gains Per Share0.070.0%0.070.0%0.670.4%0.230.1%0.130.1%
Usd Price Per Share2.40-2.40-4.48-2.40-1.73-
Price to Earnings Ratio13.33-13.33-48.40-213.32-115.74-
Price-to-Total Gains Ratio35.01-35.01-6.74-76.20-64.29-
Price to Book Ratio1.35-1.35-2.52-1.64-1.35-
Price-to-Total Gains Ratio35.01-35.01-6.74-76.20-64.29-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.9332
Number of shares517
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.070.07
Usd Book Value Change Per Share0.000.16
Usd Total Gains Per Share0.070.23
Gains per Quarter (517 shares)35.40120.41
Gains per Year (517 shares)141.61481.63
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1143-1132145337472
2285-2274290674954
3428-341643410111436
4571-555857913471918
5714-670072416842400
6856-784286920212882
7999-8984101323583364
81142-91126115826953846
91285-101268130330324328
101427-111410144833684810

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%11.02.00.084.6%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%3.02.00.060.0%5.05.00.050.0%8.05.00.061.5%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%12.01.00.092.3%
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

Fundamentals of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO

About Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO

The Russian Public Joint-Stock Commercial Roads Bank (Public joint-stock company) provides various financial services in Russia. It offers various deposits and loans; and cash management, leasing, foreign trade support, trade finance, bank-client, collection, and depository services, as well as bank cards. The company also provides safe deposit boxes leasing, securities purchases and sales, conversion, collection, VIP client, and correspondent account services, as well as transfer services without opening an account. It serves road industry, farming, transporting, industrial and housing construction, building materials, trade organizations, and military industrial complex units; individuals; and partner banks. The company has branches in Krasnodar and St. Petersburg, the Russian Federation; additional offices in St. Petersburg; and operating cash registers in Krasnodar and in Moscow. The company was founded in 1991 and is headquartered in Moscow, Russia.

Fundamental data was last updated by Penke on 2023-11-24 08:17:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is underpriced.
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.1. Profitability of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO earns for each руб1 of revenue.

  • Above 10% is considered healthy but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to the Banks - Regional industry mean.
  • A Net Profit Margin of 16.9% means that руб0.17 for each руб1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 16.9%. The company is making a huge profit. +2
  • The TTM is 16.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ16.9%TTM16.9%0.0%
TTM16.9%YOY14.1%+2.8%
TTM16.9%5Y16.1%+0.8%
5Y16.1%10Y9.7%+6.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ16.9%36.5%-19.6%
TTM16.9%28.8%-11.9%
YOY14.1%24.2%-10.1%
5Y16.1%23.3%-7.2%
10Y9.7%19.7%-10.0%
1.1.2. Return on Assets

Shows how efficient Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to the Banks - Regional industry mean.
  • 1.0% Return on Assets means that Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO generated руб0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 1.0%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.0%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.0%TTM1.0%0.0%
TTM1.0%YOY0.8%+0.2%
TTM1.0%5Y1.1%0.0%
5Y1.1%10Y0.6%+0.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.0%0.3%+0.7%
TTM1.0%0.2%+0.8%
YOY0.8%0.2%+0.6%
5Y1.1%0.2%+0.9%
10Y0.6%0.2%+0.4%
1.1.3. Return on Equity

Shows how efficient Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to the Banks - Regional industry mean.
  • 9.3% Return on Equity means Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO generated руб0.09 for each руб1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 9.3%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 9.3%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ9.3%TTM9.3%0.0%
TTM9.3%YOY6.4%+2.9%
TTM9.3%5Y9.4%-0.1%
5Y9.4%10Y5.7%+3.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ9.3%3.1%+6.2%
TTM9.3%2.7%+6.6%
YOY6.4%2.7%+3.7%
5Y9.4%2.5%+6.9%
10Y5.7%2.9%+2.8%
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.2. Operating Efficiency of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is operating .

  • Measures how much profit Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO makes for each руб1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to the Banks - Regional industry mean.
  • An Operating Margin of 22.6% means the company generated руб0.23  for each руб1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 22.6%. The company is operating efficient. +1
  • The TTM is 22.6%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ22.6%TTM22.6%0.0%
TTM22.6%YOY18.4%+4.2%
TTM22.6%5Y59.5%-36.9%
5Y59.5%10Y60.8%-1.3%
1.2.2. Operating Ratio

Measures how efficient Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.62 means that the operating costs are руб0.62 for each руб1 in net sales.

Let's take a look of the Operating Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 0.622. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.622. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.622TTM0.6220.000
TTM0.622YOY0.725-0.103
TTM0.6225Y0.716-0.094
5Y0.71610Y0.746-0.030
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.3. Liquidity of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 1,749.45 means the company has руб1,749.45 in assets for each руб1 in short-term debts.

Let's take a look of the Current Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 1,749.453. The company is very able to pay all its short-term debts. +2
  • The TTM is 1,749.453. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ1,749.453TTM1,749.4530.000
TTM1,749.453YOY2,506.002-756.549
TTM1,749.4535Y863.559+885.894
5Y863.55910Y431.797+431.762
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM1,749.4530.127+1,749.326
YOY2,506.0020.228+2,505.774
5Y863.5590.221+863.338
10Y431.7970.125+431.672
1.3.2. Quick Ratio

Measures if Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to the Banks - Regional industry mean.
  • A Quick Ratio of 1,749.45 means the company can pay off руб1,749.45 for each руб1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 1,749.453. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 1,749.453. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ1,749.453TTM1,749.4530.000
TTM1,749.453YOY2,506.002-756.549
TTM1,749.4535Y863.560+885.893
5Y863.56010Y431.797+431.764
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM1,749.4530.001+1,749.452
5Y863.5600.016+863.544
10Y431.7970.013+431.784
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.4. Solvency of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO assets are financed with 88.9% credit (debt) and the remaining percentage (100% - 88.9%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 0.889. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.889. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.889TTM0.8890.000
TTM0.889YOY0.877+0.013
TTM0.8895Y0.886+0.003
5Y0.88610Y0.898-0.011
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8890.916-0.027
TTM0.8890.917-0.028
YOY0.8770.919-0.042
5Y0.8860.920-0.034
10Y0.8980.928-0.030
1.4.2. Debt to Equity Ratio

Measures if Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 803.4% means that company has руб8.03 debt for each руб1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The MRQ is 8.034. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.034. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.034TTM8.0340.000
TTM8.034YOY7.114+0.919
TTM8.0345Y7.885+0.149
5Y7.88510Y8.940-1.055
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.03410.841-2.807
TTM8.03411.116-3.082
YOY7.11411.414-4.300
5Y7.88511.618-3.733
10Y8.94013.164-4.224
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

2. Market Valuation of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every руб1 in earnings Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO generates.

  • Above 15 is considered overpriced but always compare Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO to the Banks - Regional industry mean.
  • A PE ratio of 13.33 means the investor is paying руб13.33 for every руб1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The EOD is 10.745. Based on the earnings, the company is underpriced. +1
  • The MRQ is 13.326. Based on the earnings, the company is underpriced. +1
  • The TTM is 13.326. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD10.745MRQ13.326-2.581
MRQ13.326TTM13.3260.000
TTM13.326YOY48.404-35.078
TTM13.3265Y213.322-199.996
5Y213.32210Y115.737+97.585
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD10.7453.228+7.517
MRQ13.3263.814+9.512
TTM13.3266.231+7.095
YOY48.4049.550+38.854
5Y213.32210.212+203.110
10Y115.73710.258+105.479
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The EOD is 15.285. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The MRQ is 18.956. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 18.956. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD15.285MRQ18.956-3.672
MRQ18.956TTM18.9560.000
TTM18.956YOY2.284+16.672
TTM18.9565Y0.899+18.058
5Y0.89910Y-0.581+1.480
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD15.2850.653+14.632
MRQ18.9560.771+18.185
TTM18.9560.514+18.442
YOY2.2845.763-3.479
5Y0.8990.476+0.423
10Y-0.5810.138-0.719
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.35 means the investor is paying руб1.35 for each руб1 in book value.

Let's take a look of the Price to Book Ratio trends of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO:

  • The EOD is 1.088. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.349. Based on the equity, the company is underpriced. +1
  • The TTM is 1.349. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.088MRQ1.349-0.261
MRQ1.349TTM1.3490.000
TTM1.349YOY2.521-1.172
TTM1.3495Y1.635-0.286
5Y1.63510Y1.352+0.283
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.0880.395+0.693
MRQ1.3490.467+0.882
TTM1.3490.520+0.829
YOY2.5210.697+1.824
5Y1.6350.813+0.822
10Y1.3521.069+0.283
2. Total Gains per Share
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.051-0.0510%54.864-100%15.082-100%7.790-101%
Book Value Per Share--164.557164.5570%164.6070%132.285+24%109.394+50%
Current Ratio--1749.4531749.4530%2506.002-30%863.559+103%431.797+305%
Debt To Asset Ratio--0.8890.8890%0.877+1%0.886+0%0.898-1%
Debt To Equity Ratio--8.0348.0340%7.114+13%7.885+2%8.940-10%
Dividend Per Share--6.3916.3910%6.721-5%6.482-1%4.522+41%
Eps--16.65916.6590%8.574+94%10.458+59%6.568+154%
Free Cash Flow Per Share--11.71111.7110%181.697-94%7.315+60%16.188-28%
Free Cash Flow To Equity Per Share---4.399-4.3990%193.588-102%4.473-198%12.594-135%
Gross Profit Margin--0.9720.9720%0.969+0%0.885+10%0.610+59%
Intrinsic Value_10Y_max--1908.785--------
Intrinsic Value_10Y_min---76.373--------
Intrinsic Value_1Y_max--77.819--------
Intrinsic Value_1Y_min--3.578--------
Intrinsic Value_3Y_max--320.280--------
Intrinsic Value_3Y_min--1.086--------
Intrinsic Value_5Y_max--666.987--------
Intrinsic Value_5Y_min---11.977--------
Market Cap2713335700.000-31%3542152968.0003542152968.0000%6290694500.000-44%3408123823.600+4%2440755291.800+45%
Net Profit Margin--0.1690.1690%0.141+20%0.161+5%0.097+75%
Operating Margin--0.2260.2260%0.184+23%0.595-62%0.608-63%
Operating Ratio--0.6220.6220%0.725-14%0.716-13%0.746-17%
Pb Ratio1.088-24%1.3491.3490%2.521-46%1.635-17%1.3520%
Pe Ratio10.745-24%13.32613.3260%48.404-72%213.322-94%115.737-88%
Price Per Share179.000-24%222.000222.0000%415.000-47%222.5000%159.850+39%
Price To Free Cash Flow Ratio15.285-24%18.95618.9560%2.284+730%0.899+2009%-0.581+103%
Price To Total Gains Ratio28.231-24%35.01335.0130%6.739+420%76.202-54%64.294-46%
Quick Ratio--1749.4531749.4530%2506.002-30%863.560+103%431.797+305%
Return On Assets--0.0100.0100%0.008+31%0.011-4%0.006+66%
Return On Equity--0.0930.0930%0.064+46%0.094-1%0.057+65%
Total Gains Per Share--6.3416.3410%61.584-90%21.564-71%12.312-49%
Usd Book Value--28356534.00028356534.0000%26947760.400+5%21939787.440+29%18050526.000+57%
Usd Book Value Change Per Share---0.001-0.0010%0.593-100%0.163-100%0.084-101%
Usd Book Value Per Share--1.7771.7770%1.7780%1.429+24%1.181+50%
Usd Dividend Per Share--0.0690.0690%0.073-5%0.070-1%0.049+41%
Usd Eps--0.1800.1800%0.093+94%0.113+59%0.071+154%
Usd Free Cash Flow--2018055.6002018055.6000%29745500.400-93%1217758.320+66%2660284.080-24%
Usd Free Cash Flow Per Share--0.1260.1260%1.962-94%0.079+60%0.175-28%
Usd Free Cash Flow To Equity Per Share---0.048-0.0480%2.091-102%0.048-198%0.136-135%
Usd Market Cap29304025.560-31%38255252.05438255252.0540%67939500.600-44%36807737.295+4%26360157.151+45%
Usd Price Per Share1.933-24%2.3982.3980%4.482-47%2.4030%1.726+39%
Usd Profit--2647792.8002647792.8000%1721422.800+54%2023304.400+31%1164844.800+127%
Usd Revenue--15667236.00015667236.0000%12175930.800+29%12601884.960+24%10364560.200+51%
Usd Total Gains Per Share--0.0680.0680%0.665-90%0.233-71%0.133-49%
 EOD+4 -4MRQTTM+0 -0YOY+15 -215Y+20 -1610Y+23 -13

3.2. Fundamental Score

Let's check the fundamental score of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.745
Price to Book Ratio (EOD)Between0-11.088
Net Profit Margin (MRQ)Greater than00.169
Operating Margin (MRQ)Greater than00.226
Quick Ratio (MRQ)Greater than11,749.453
Current Ratio (MRQ)Greater than11,749.453
Debt to Asset Ratio (MRQ)Less than10.889
Debt to Equity Ratio (MRQ)Less than18.034
Return on Equity (MRQ)Greater than0.150.093
Return on Assets (MRQ)Greater than0.050.010
Total6/10 (60.0%)

3.3. Technical Score

Let's check the technical score of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5023.664
Ma 20Greater thanMa 50191.600
Ma 50Greater thanMa 100200.100
Ma 100Greater thanMa 200210.170
OpenGreater thanClose182.000
Total2/5 (40.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2016-12-312017-12-312018-12-312019-12-312020-12-31
Net Debt  -968,565-304,464-1,273,029973,316-299,713-1,587,497-1,887,2103,892,5482,005,338



Latest Balance Sheet

Balance Sheet of 2020-12-31. Currency in RUB. All numbers in thousands.

Summary
Total Assets23,718,591
Total Liabilities21,092,986
Total Stockholder Equity2,625,605
 As reported
Total Liabilities 21,092,986
Total Stockholder Equity+ 2,625,605
Total Assets = 23,718,591

Assets

Total Assets23,718,591
Total Current Assets2,503,467
Long-term Assets2,503,467
Total Current Assets
Cash And Cash Equivalents 2,503,453
Net Receivables 14
Inventory 50,821
Total Current Assets  (as reported)2,503,467
Total Current Assets  (calculated)2,554,288
+/- 50,821
Long-term Assets
Property Plant Equipment 881,322
Long Term Investments 4,789,705
Intangible Assets 48,598
Earning Assets 6,991,376
Long-term Assets Other -5,577,125
Long-term Assets  (as reported)5,577,125
Long-term Assets  (calculated)7,133,876
+/- 1,556,751

Liabilities & Shareholders' Equity

Total Current Liabilities1,431
Long-term Liabilities4,508,791
Total Stockholder Equity2,625,605
Total Current Liabilities
Accounts payable 1,431
Other Current Liabilities -1,431
Total Current Liabilities  (as reported)1,431
Total Current Liabilities  (calculated)0
+/- 1,431
Long-term Liabilities
Long term Debt Total 613,081
Other Liabilities 151,990
Long-term Liabilities  (as reported)4,508,791
Long-term Liabilities  (calculated)765,071
+/- 3,743,720
Total Stockholder Equity
Common Stock2,148,448
Retained Earnings 132,764
Accumulated Other Comprehensive Income -207,282
Capital Surplus 153,738
Other Stockholders Equity 336,717
Total Stockholder Equity (as reported)2,625,605
Total Stockholder Equity (calculated)2,564,385
+/- 61,220
Other
Capital Stock2,156,124
Cash and Short Term Investments 2,503,453
Common Stock Shares Outstanding 15,956
Common Stock Total Equity1,879,625
Liabilities and Stockholders Equity 23,718,591
Net Debt 2,005,338
Net Invested Capital 6,189,422
Net Tangible Assets 2,599,930
Net Working Capital 2,502,036
Property Plant and Equipment Gross 832,814
Short Long Term Debt Total 4,508,791



Balance Sheet

Currency in RUB. All numbers in thousands.

 Trend2020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-31
> Total Assets 
7,000,542
7,317,454
6,749,799
11,445,588
12,487,294
13,406,321
15,168,520
16,380,652
14,757,213
14,648,352
13,814,944
17,125,112
20,246,768
23,718,591
23,718,59120,246,76817,125,11213,814,94414,648,35214,757,21316,380,65215,168,52013,406,32112,487,29411,445,5886,749,7997,317,4547,000,542
   > Total Current Assets 
0
0
0
0
0
0
0
0
2,180,024
2,333,529
1,729,019
1,429,535
3,257,802
2,503,467
2,503,4673,257,8021,429,5351,729,0192,333,5292,180,02400000000
       Cash And Cash Equivalents 
991,419
1,291,439
512,616
1,355,389
2,144,388
2,891,144
1,550,196
1,104,465
2,017,102
2,422,287
1,518,426
1,325,569
3,257,799
2,503,453
2,503,4533,257,7991,325,5691,518,4262,422,2872,017,1021,104,4651,550,1962,891,1442,144,3881,355,389512,6161,291,439991,419
       Net Receivables 
0
0
0
0
0
0
0
0
53,055
0
210,593
103,966
3
14
143103,966210,593053,05500000000
       Other Current Assets 
0
0
0
0
0
0
0
0
271,456
298,614
9,401,175
13,395,610
13,028,088
15,637,999
15,637,99913,028,08813,395,6109,401,175298,614271,45600000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
2,684,750
2,299,967
3,960,878
5,577,125
5,577,1253,960,8782,299,9672,684,7500000000000
       Property Plant Equipment 
412,325
409,152
394,577
464,568
455,084
435,955
152,435
152,035
566,516
575,420
198,344
220,624
967,581
881,322
881,322967,581220,624198,344575,420566,516152,035152,435435,955455,084464,568394,577409,152412,325
       Goodwill 
0
0
0
0
0
0
0
0
0
0
33,479
41,465
36,780
0
036,78041,46533,4790000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
4,107,348
3,351,645
2,452,927
2,037,878
2,956,517
4,789,705
4,789,7052,956,5172,037,8782,452,9273,351,6454,107,34800000000
       Intangible Assets 
0
0
0
0
0
0
0
0
12,438
29,721
33,479
41,465
36,780
48,598
48,59836,78041,46533,47929,72112,43800000000
       Earning Assets 
0
0
0
0
0
0
0
6,235,888
4,963,012
4,505,708
3,624,511
7,712,198
6,997,638
6,991,376
6,991,3766,997,6387,712,1983,624,5114,505,7084,963,0126,235,8880000000
> Total Liabilities 
6,081,567
6,217,212
5,507,036
10,132,028
11,283,426
12,189,797
13,775,437
14,989,301
13,405,898
13,071,239
12,019,041
15,461,587
17,751,605
21,092,986
21,092,98617,751,60515,461,58712,019,04113,071,23913,405,89814,989,30113,775,43712,189,79711,283,42610,132,0285,507,0366,217,2126,081,567
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
12,552,390
11,706,743
46,698
56,920
1,300
1,431
1,4311,30056,92046,69811,706,74312,552,39000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
382,001
210,871
0
50,000
0
0
0050,0000210,871382,00100000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
382,001
210,871
0
50,000
0
0
0050,0000210,871382,00100000000
       Accounts payable 
0
0
0
0
0
0
0
0
10,737,897
11,326,301
46,698
56,920
1,300
1,431
1,4311,30056,92046,69811,326,30110,737,89700000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
2,388
3,127
-46,698
-56,920
-1,300
-1,431
-1,431-1,300-56,920-46,6983,1272,38800000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
46,698
56,920
1,370,589
4,508,791
4,508,7911,370,58956,92046,6980000000000
       Long term Debt Total 
0
0
0
0
0
0
0
653,839
609,125
504,922
509,523
533,356
666,147
613,081
613,081666,147533,356509,523504,922609,125653,8390000000
       Other Liabilities 
0
0
0
0
0
0
0
0
16,705
32,532
29,982
42,285
102,846
151,990
151,990102,84642,28529,98232,53216,70500000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
10,613
0
31,468
14,826
0
0
0014,82631,468010,61300000000
> Total Stockholder Equity
918,975
1,100,242
1,242,763
1,313,560
1,203,868
1,216,524
1,393,083
1,391,351
1,351,315
1,577,113
1,795,903
1,663,525
2,495,163
2,625,605
2,625,6052,495,1631,663,5251,795,9031,577,1131,351,3151,391,3511,393,0831,216,5241,203,8681,313,5601,242,7631,100,242918,975
   Common Stock
1,143,134
1,359,792
1,359,792
1,360,389
1,360,389
1,360,389
1,086,092
1,086,092
1,360,734
1,560,388
1,283,889
1,283,889
2,148,448
2,148,448
2,148,4482,148,4481,283,8891,283,8891,560,3881,360,7341,086,0921,086,0921,360,3891,360,3891,360,3891,359,7921,359,7921,143,134
   Retained Earnings Total Equity00000000000000
   Accumulated Other Comprehensive Income -207,282-274,462-80,193-70,763-141,644-115,23500-155,374-137,316-71,193-59,750-39,6340
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
153,738
153,738
153,738153,738000000000000
   Treasury Stock00000000000000
   Other Stockholders Equity 
-224,159
-219,916
-57,279
24,364
-19,205
11,509
54,943
54,906
105,816
158,369
141,675
54,108
349,316
336,717
336,717349,31654,108141,675158,369105,81654,90654,94311,509-19,20524,364-57,279-219,916-224,159



Balance Sheet

Currency in RUB. All numbers in thousands.




Cash Flow

Currency in RUB. All numbers in thousands.




Income Statement

Currency in RUB. All numbers in thousands.


Latest Income Statement (annual, 2020-12-31)

Gross Profit (+$)
totalRevenue1,450,670
Cost of Revenue-0
Gross Profit1,450,6701,450,670
 
Operating Income (+$)
Gross Profit1,450,670
Operating Expense-901,971
Operating Income327,228548,699
 
Operating Expense (+$)
Research Development0
Selling General Administrative1,766
Selling And Marketing Expenses6,839
Operating Expense901,9718,605
 
Net Interest Income (+$)
Interest Income1,582,737
Interest Expense-749,492
Other Finance Cost-965
Net Interest Income834,210
 
Pretax Income (+$)
Operating Income327,228
Net Interest Income834,210
Other Non-Operating Income Expenses0
Income Before Tax (EBT)327,2281,076,720
EBIT - interestExpense = -422,264
327,228
994,658
Interest Expense749,492
Earnings Before Interest and Taxes (EBIT)327,2281,076,720
Earnings Before Interest and Taxes (EBITDA)418,885
 
After tax Income (+$)
Income Before Tax327,228
Tax Provision-80,565
Net Income From Continuing Ops265,916246,663
Net Income245,166
Net Income Applicable To Common Shares265,806
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses901,971
Total Other Income/Expenses Net-749,492-834,210
 

Technical Analysis of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The general trend of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO is BEARISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-71.4%) Bearish trend (71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 186.00 < 188.00 < 194.00.

The bearish price targets are: 173.00 > 172.41 > 163.93.

Tweet this
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current mas is .

The long score for the Moving Averages is 2/14.
The longshort score for the Moving Averages is -10/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current macd is -5.21430296.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Moving Average Convergence/Divergence (MACD) ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current adx is 27.96.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -4/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bearish trend. The ADX is trending up, so the bearish trend is strengthening.
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current sar is 194.93.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Parabolic SAR Chart
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current rsi is 23.66. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1
  • Trending down: The RSI is trending down. -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Relative Strength Index (RSI) ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 2/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO price going up in the near term. +2
  • Trending down: The STOCH %K is trending down. -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Stochastic Oscillator ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current cci is -237.68394114.

The long score for the Commodity Channel Index (CCI) is 0/1.
The longshort score for the Commodity Channel Index (CCI) is -1/(-1 +1).

  • CCI < -100: The CCI is below -100, it indicates that the price is significantly below its average, suggesting a potential oversold condition. -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Commodity Channel Index (CCI) ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current cmo is -66.68153832.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Chande Momentum Oscillator (CMO) ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current willr is -85.71428571.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Williams %R ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Williams %R Chart
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current atr is 5.26486088.

Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Average True Range (ATR) ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Average True Range (ATR) Chart
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current obv is 744,460.

Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily On-Balance Volume (OBV) ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO. The current mfi is 15.13.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Money Flow Index (MFI) ChartRossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO Daily Money Flow Index (MFI) Chart
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Rossiyskiy Aktsionernyi Kommercheskiy Dorozhnyi Bank PAO.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-07-24STOCH SHORT EXITThe %K line crosses above the %D line.
2023-07-26STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-07-28WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-07-31SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-08-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-08-08STOCH LONG EXITThe %K line crosses below the %D line.
2023-08-09STOCH SHORT EXITThe %K line crosses above the %D line.
2023-08-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-08-14WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-08-15STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-08-17CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-08-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-08-21STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-08-25STOCH LONG EXITThe %K line crosses below the %D line.
2023-08-28SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2023-08-29STOCH SHORT EXITThe %K line crosses above the %D line.
2023-08-30STOCH LONG EXITThe %K line crosses below the %D line.
2023-08-31STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-09-01CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-09-04STOCH LONG EXITThe %K line crosses below the %D line.
2023-09-05CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-09-06RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-09-07SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-09-08MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-09-11CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-09-13STOCH SHORT EXITThe %K line crosses above the %D line.
2023-09-14DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-09-15STOCH SHORT EXITThe %K line crosses above the %D line.
2023-09-18ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-09-19STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-09-21WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2023-09-25STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-09-27MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-10-03STOCH LONG EXITThe %K line crosses below the %D line.
2023-10-04STOCH SHORT EXITThe %K line crosses above the %D line.
2023-10-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-10-06STOCH SHORT EXITThe %K line crosses above the %D line.
2023-10-10DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-10-12STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-10-17STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-10-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-10-23STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-10-24STOCH LONG EXITThe %K line crosses below the %D line.
2023-10-30CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-10-31SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-03DMI LONG ENTRY SHORT CLOSE