Bank Of The Ryukyus,Limited (JP:8399)
:8399
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Bank Of The Ryukyus,Limited
(8399)
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Rating:69Neutral
Price Target:
¥2,492.00
▲(24.04% Upside)
Action:DowngradedDate:01/24/26
The score is primarily driven by stable but mixed financial performance (solid balance sheet and cost control offset by weakening profitability, inconsistent revenue, and volatile cash flows). Technicals are bullish with strong trend alignment, but overbought indicators raise near-term risk. Valuation is reasonable with a moderate dividend yield.
Positive Factors
Capital strength
A low debt-to-equity ratio and healthy equity ratio indicate a strong capital base and prudent financial management. That structural strength provides resilience to credit losses, regulatory shocks and supports steady lending capacity over the medium term, aiding sustainable growth and risk absorption.
Negative Factors
Declining profitability
Sustained margin compression reduces return on equity and limits retained earnings for capital build-up. If operating efficiency and margins don't stabilize, the bank may face pressure on shareholder returns, capital buffers and its ability to invest in systems or expand lending without external capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital strength
A low debt-to-equity ratio and healthy equity ratio indicate a strong capital base and prudent financial management. That structural strength provides resilience to credit losses, regulatory shocks and supports steady lending capacity over the medium term, aiding sustainable growth and risk absorption.
Read all positive factors
Bank Of The Ryukyus,Limited (8399) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥100.62B
Dividend Yield2.46%
Average Volume (3M)142.27K
Price to Earnings (P/E)6.7
Beta (1Y)1.18
Revenue Growth9.12%
EPS Growth43.43%
CountryJP
Employees1,772
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)69.48
Shares Outstanding43,108,470
10 Day Avg. Volume123,030
30 Day Avg. Volume142,269
Financial Highlights & Ratios
PEG Ratio3.18
Price to Book (P/B)0.34
Price to Sales (P/S)0.76
P/FCF Ratio2.99
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bank Of The Ryukyus,Limited Business Overview & Revenue Model
Company Description
Bank of The Ryukyus, Limited provides various banking products and services in Japan. The company offers savings, time, and property deposits; loan products, including housing, apartment, car, education, card, and corporate loans; reverse mortgage...
How the Company Makes Money
The Bank Of The Ryukyus generates revenue primarily through interest income from loans and advances provided to customers, which is a significant portion of its earnings. Additionally, the bank earns money through fees and commissions associated w...
Bank Of The Ryukyus,Limited Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 66.68B | 62.74B | 58.56B | 52.98B | 51.62B | 52.65B |
| Gross Profit | 66.65B | 60.70B | 56.55B | 52.01B | 51.45B | 52.23B |
| EBITDA | 8.34B | 11.48B | 11.53B | 11.42B | 11.12B | 6.66B |
| Net Income | 6.29B | 5.75B | 5.65B | 5.90B | 5.59B | 2.58B |
Balance Sheet | ||||||
| Total Assets | 3.11T | 2.98T | 3.07T | 3.04T | 3.06T | 2.78T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 171.57B | 341.75B | 598.66B | 770.55B | 525.14B |
| Total Debt | 18.82B | 19.54B | 82.95B | 104.86B | 585.72B | 130.09B |
| Total Liabilities | 2.97T | 2.84T | 2.92T | 2.90T | 2.93T | 2.65T |
| Stockholders Equity | 143.54B | 139.83B | 142.56B | 138.16B | 135.02B | 131.81B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 15.89B | 0.00 | -56.59B | 282.68B | 0.00 |
| Operating Cash Flow | 0.00 | 26.36B | 0.00 | -52.27B | 22.56B | 0.00 |
| Investing Cash Flow | 0.00 | -113.69B | -265.72B | -116.73B | -38.66B | -74.70B |
| Financing Cash Flow | 0.00 | -83.19B | 10.93B | -2.90B | 116.82B | -1.74B |
Bank Of The Ryukyus,Limited Technical Analysis
Positive
2009.00
Price Trends
2313.42
Positive
2040.98
Positive
1666.91
Positive
Market Momentum
-4.03
Negative
52.15
Neutral
79.52
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8399, the sentiment is Positive. The current price of 2009 is below the 20-day moving average (MA) of 2304.00, below the 50-day MA of 2313.42, and above the 200-day MA of 1666.91, indicating a bullish trend. The MACD of -4.03 indicates Negative momentum. The RSI at 52.15 is Neutral, neither overbought nor oversold. The STOCH value of 79.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8399.
Bank Of The Ryukyus,Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥119.10B | 8.48 | ― | 2.71% | 15.37% | 35.08% | |
75 Outperform | ¥98.45B | 1.54 | ― | 3.05% | 8.75% | -12.68% | |
72 Outperform | ¥150.42B | 8.04 | 3.68% | 2.26% | 9.34% | 20.61% | |
72 Outperform | ¥163.14B | 7.55 | ― | 2.29% | 13.93% | 54.44% | |
69 Neutral | ¥100.62B | 6.66 | ― | 2.46% | 9.12% | 43.43% | |
68 Neutral | ¥82.38B | 7.94 | ― | 2.29% | 7.97% | 20.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
JP:8399
Bank Of The Ryukyus,Limited
2,338.00
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Bank Of The Ryukyus,Limited Corporate Events
Bank of The Ryukyus Reports Unrealized Securities Losses but Keeps Earnings Outlook Unchanged
Jan 28, 2026
Bank of The Ryukyus has reported unrealized losses of ¥2,644 million on its held-to-maturity securities as of December 31, 2025, an amount equivalent to 31.7% of its previous fiscal year’s consolidated ordinary profit and 45.9% of net i...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.