Bank Of The Ryukyus,Limited (8399) AI Stock Analysis

• Market Cap: ¥50.22B
• Dividend Yield: 3.21%
• Average Volume (3M): 94.27K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 1.02
• Revenue Growth: 6.60%
• EPS Growth: 1.77%
• Country: JP
• Employees: 1,772
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): 16.44
• Shares Outstanding: 43,108,470
• 10 Day Avg. Volume: 100,770
• 30 Day Avg. Volume: 94,266
• PEG Ratio: 0.49
• Price to Book (P/B): 0.34
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: ―

Bank Of The Ryukyus, Limited exhibits strong financial stability and profitability, which are significant strengths. However, the cash flow challenges present risks that need addressing to ensure long-term sustainability. The technical analysis shows mixed signals, with potential short-term weaknesses. The stock's low valuation metrics provide a positive outlook for value investors.

Bank Of The Ryukyus,Limited Business Overview & Revenue Model

Company Description

Bank of the Ryukyus, Limited (8399) is a regional financial institution based in Okinawa, Japan. The bank offers a comprehensive range of financial services and products to individuals, corporate clients, and small to medium-sized enterprises (SMEs). Its core services include traditional banking activities such as deposits, loans, and mortgages, as well as investment and insurance products. The bank plays a critical role in supporting the local economy of Okinawa, providing tailored financial solutions to meet the unique needs of its community.

How the Company Makes Money

The Bank of the Ryukyus, Limited generates revenue primarily through interest income from its core lending activities, which include personal loans, mortgages, and business loans. Additionally, the bank earns fees from various banking services such as account maintenance, transaction processing, and investment advisory services. Another significant revenue stream is the income generated from trading and investment activities, including the management of securities and other financial assets. The bank also collaborates with insurance companies to offer insurance products, earning commissions on policies sold. These diversified revenue streams enable the bank to maintain financial stability and support its continued growth in the region.

Bank Of The Ryukyus,Limited Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement
Total Revenue	65.95B	63.25B	52.01B	51.45B	52.23B	56.11B
Gross Profit	65.86B	63.14B	52.01B	51.45B	52.23B	56.11B
EBITDA	6.36B	0.00	11.41B	11.12B	0.00	9.79B
Net Income	6.13B	5.65B	5.90B	5.59B	2.58B	4.95B
Balance Sheet
Total Assets	3.05T	3.07T	3.04T	3.06T	2.78T	2.44T
Cash, Cash Equivalents and Short-Term Investments	234.17B	341.75B	598.66B	770.55B	525.14B	305.96B
Total Debt	19.66B	47.44B	104.86B	297.87B	128.57B	20.12B
Total Liabilities	2.91T	2.92T	141.67B	2.93T	2.65T	2.31T
Stockholders Equity	141.60B	142.56B	138.16B	135.02B	131.81B	129.96B
Cash Flow
Free Cash Flow	0.00	-51.26B	-56.59B	282.68B	291.61B	27.23B
Operating Cash Flow	0.00	-37.26B	-52.27B	286.12B	295.37B	31.12B
Investing Cash Flow	0.00	-265.72B	-116.73B	-38.66B	-74.70B	22.95B
Financing Cash Flow	0.00	10.93B	-2.90B	-2.23B	-1.74B	-1.94B

Bank Of The Ryukyus,Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1203.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 1203 is above the 20-day moving average (MA) of 1148.70, above the 50-day MA of 1126.06, and above the 200-day MA of 1064.40, indicating a bullish trend. The MACD of 12.42 indicates Negative momentum. The RSI at 65.72 is Neutral, neither overbought nor oversold. The STOCH value of 92.64 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8399	71 Outperform	¥50.22B	8.52		3.21%	6.60%	1.77%
8377	71 Outperform	¥344.33B	9.01		1.42%	21.04%	20.47%
8354	70 Outperform	¥752.20B	10.27	7.30%	3.57%	15.35%	-1.62%
8393	68 Neutral	¥62.81B	6.53		2.93%	17.59%	44.54%
Sector *	67 Neutral	¥713.17B	10.66	7.55%	3.34%	7.97%	15.90%

Bank Of The Ryukyus,Limited Corporate Events

Bank of The Ryukyus Announces Change in Corporate Auditors

The Bank of The Ryukyus, Ltd. announced a change in its corporate auditors due to the expiration of current terms. Futoshi Ono, currently an Executive Officer at The Prudential Life Insurance Company, will be appointed as a new Corporate Auditor, replacing Hiroshi Kitagawa. This change is part of a broader executive restructuring to be confirmed at the upcoming Annual General Meeting of Stockholders in June 2025.