Bank Of The Ryukyus,Limited (JP:8399)
:8399
Want to see JP:8399 full AI Analyst Report?
Top Page
Bank Of The Ryukyus,Limited
(8399)
Select Model
Select Model
Rating:64Neutral
Price Target:
¥2,707.00
▲(34.74% Upside)
Action:Reiterated
Date:05/13/26
The score is driven primarily by improved financial performance (stronger growth and profitability with better leverage) but is held back by highly inconsistent operating and free cash flow. Technicals add support via a clear uptrend and positive momentum, while valuation is mixed with a solid yield offset by a relatively high P/E.
Positive Factors
Improved capital structure
A materially lower debt-to-equity ratio and steady equity growth create a stronger capital buffer versus earlier years. That improvement supports lending capacity, regulatory resilience and lowers refinancing risk, enabling more durable operations and strategic optionality over the next several quarters.
Negative Factors
Volatile cash generation
Large swings in operating and free cash flow reduce predictability of internally generated funding for dividends, loan growth and capital needs. This volatility raises reliance on external financing in stress periods and complicates capital planning and sustainable payout policies over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved capital structure
A materially lower debt-to-equity ratio and steady equity growth create a stronger capital buffer versus earlier years. That improvement supports lending capacity, regulatory resilience and lowers refinancing risk, enabling more durable operations and strategic optionality over the next several quarters.
Read all positive factors
Bank Of The Ryukyus,Limited (8399) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥110.42B
Dividend Yield2.46%
Average Volume (3M)142.27K
Price to Earnings (P/E)23.9
Beta (1Y)1.19
Revenue Growth16.88%
EPS Growth59.34%
CountryJP
Employees1,772
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)152.58
Shares Outstanding43,108,470
10 Day Avg. Volume123,030
30 Day Avg. Volume142,269
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.62
Price to Sales (P/S)1.15
P/FCF Ratio-40.70
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 company primarily makes money through (1) net interest income and (2) non-interest income. Net interest income is earned from the spread between interest received on interest-earning assets (mainly loans to households and businesses, and holdi...
Bank Of The Ryukyus,Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
67
Positive
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 66.68B | 78.89B | 62.74B | 58.56B | 52.98B | 51.62B |
| Gross Profit | 66.65B | 73.12B | 60.70B | 56.55B | 52.01B | 51.45B |
| EBITDA | 8.34B | 16.48B | 11.48B | 11.53B | 11.42B | 11.12B |
| Net Income | 6.29B | 9.08B | 5.75B | 5.65B | 5.90B | 5.59B |
Balance Sheet | ||||||
| Total Assets | 3.11T | 3.11T | 2.98T | 3.07T | 3.04T | 3.06T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 161.55B | 171.57B | 341.75B | 598.66B | 770.55B |
| Total Debt | 18.82B | 15.75B | 19.54B | 82.95B | 104.86B | 585.72B |
| Total Liabilities | 2.97T | 2.96T | 2.84T | 2.92T | 2.90T | 2.93T |
| Stockholders Equity | 143.54B | 145.52B | 139.83B | 142.56B | 138.16B | 135.02B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -2.23B | 15.89B | 0.00 | -56.59B | 282.68B |
| Operating Cash Flow | 0.00 | 7.02B | 26.36B | 0.00 | -52.27B | 22.56B |
| Investing Cash Flow | 0.00 | -130.51B | -113.69B | -265.72B | -116.73B | -38.66B |
| Financing Cash Flow | 0.00 | 112.80B | -83.19B | 10.93B | -2.90B | 116.82B |
Bank Of The Ryukyus,Limited Technical Analysis
Positive
2009.00
Price Trends
2393.43
Positive
2261.77
Positive
1840.84
Positive
Market Momentum
50.54
Negative
60.08
Neutral
68.25
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 2515.10, below the 50-day MA of 2393.43, and above the 200-day MA of 1840.84, indicating a bullish trend. The MACD of 50.54 indicates Negative momentum. The RSI at 60.08 is Neutral, neither overbought nor oversold. The STOCH value of 68.25 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥131.26B | 9.90 | ― | 2.71% | 21.01% | 42.25% | |
71 Outperform | ¥116.16B | 5.37 | ― | 3.05% | 49.84% | 156.03% | |
70 Outperform | ¥176.12B | 13.36 | 3.68% | 2.26% | 23.47% | 44.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥174.83B | 10.12 | ― | 2.29% | 9.41% | 45.91% | |
65 Neutral | ¥87.68B | 9.19 | ― | 2.29% | 11.72% | 14.29% | |
64 Neutral | ¥110.42B | 23.87 | ― | 2.46% | 16.88% | 59.34% |
* Financial Sector Average
JP:8399
Bank Of The Ryukyus,Limited
2,603.00
1,504.45
136.95%
JP:8392
Oita Bank
2,258.00
1,593.04
239.57%
JP:7350
Okinawa Financial Group, Inc.
6,150.00
3,488.09
131.04%
JP:8387
Shikoku Bank Ltd.
2,826.00
1,739.10
160.01%
JP:8393
Miyazaki Bank Ltd.
2,050.00
1,412.17
221.40%
JP:8395
Bank of Saga Ltd.
5,290.00
3,189.46
151.84%
Bank Of The Ryukyus,Limited Corporate Events
Bank of The Ryukyus Delivers Profit Surge and Raises Dividend Payout
May 12, 2026
Bank of The Ryukyus reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 16.1% to ¥80.3 billion and ordinary profit jumping 56.8% to ¥13.1 billion. Profit attributable to owners surge...
Bank of The Ryukyus Tightens Shareholder Return Policy with Higher Payout Target and Buybacks
May 12, 2026
Bank of The Ryukyus has revised its shareholder return policy to more clearly commit to higher payouts, now targeting a dividend payout ratio of 40% or more and expressing an intention to maintain or increase dividends. The bank also introduced a ...
Bank of The Ryukyus Raises Profit Targets Under Revised “Empower 2025” Plan
May 12, 2026
Bank of The Ryukyus has revised the financial targets in its medium-term management plan “Empower 2025,” which covers fiscal years 2025 to 2027. The plan now aims for higher consolidated net income, improved non-consolidated net core b...
Bank of The Ryukyus Revamps Board With New Outside Director, Maintains Core Leadership
Apr 23, 2026
Bank of The Ryukyus has announced board changes following an April 23, 2026 resolution, proposing the appointment of Masakazu Nakachi, currently an advisor at Glovalex Okinawa, as a new outside director and the retirement of director Masanori Fuku...
Bank of The Ryukyus Books Bond Valuation Losses but Lifts Full-Year Outlook
Apr 23, 2026
Bank of The Ryukyus, Ltd., a regional lender listed on the TSE Prime Market and FSE, derives earnings from traditional banking operations and investment in securities, including held-to-maturity bonds. As a key financial player in its local market...
Bank of The Ryukyus Forecasts Double-Digit Jump in Fiscal 2026 Ordinary Income
Apr 23, 2026
Bank of The Ryukyus has flagged a significant increase in earnings for the fiscal year ended March 31, 2026, driven mainly by higher interest income on loans and discounts. Consolidated ordinary income is expected to rise 16.1% year on year to ...
Bank of The Ryukyus Lifts Earnings Outlook and Doubles Annual Dividend
Apr 23, 2026
Bank of The Ryukyus revised upward its full-year forecast for the fiscal year ending March 31, 2026, citing higher-than-expected interest and dividend income on securities and lower operating expenses and credit-related costs. Consolidated ordinar...
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.