Want to see JP:8399 full AI Analyst Report?
8399 Stock Chart & Stats
¥2009.00
¥3.00(0.28%)
At close: 4:00 PM EST
¥2009.00
¥3.00(0.28%)
Day’s Range― - ―
52-Week Range¥1,235.00 - ¥3,140.00
Previous CloseN/A
Volume53.10K
Average Volume (3M)142.27K
Market Cap
¥124.84B
Enterprise Value-¥40.09B
Total Cash (Recent Filing)¥161.55B
Total Debt (Recent Filing)¥15.75B
Price to Earnings (P/E)13.3
Beta1.11
Next Earnings
Aug 14, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.99%
Share Statistics
EPS (TTM)221.49
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
Bulls Say, Bears Say
Bulls Say
Improved Leverage / Capital PositionThe bank materially reduced leverage from ~2.21x in 2022 to ~0.14x by 2025 while equity rose to ~139.8B and assets stayed near ~3.0T. This stronger capital cushion improves loss absorption, supports prudent lending growth, and eases regulatory and funding pressures over months.
Re-accelerating Revenue And Net IncomeRevenue re-accelerated meaningfully into 2026 (~18.3% YoY) with net income increasing to 9.1B. Persistent top-line momentum and rising profitability enhance internal capital generation potential and provide durable support for lending, product investment, and fee income expansion.
Stable Regional Deposit FranchiseA focused retail and corporate deposit base in Okinawa yields sticky funding and deep local customer relationships. This durable deposit franchise lowers funding costs, supports loan growth, and creates cross-sell opportunities in payments and advisory services tied to the region's economic activity.
Bears Say
Volatile Cash GenerationOperating and free cash flow have exhibited large swings across years, including a deep negative OCF in 2023 and reversals thereafter. This unpredictability weakens internal funding reliability for dividends, capex, and loan-loss provisioning, forcing greater reliance on external financing during weak periods.
Low Returns On EquityROE near ~4% across multiple years signals modest capital efficiency. Low ROE constrains the bank's ability to compound shareholder value, limits retained-earnings-driven growth, and makes the franchise more sensitive to margin pressure or higher credit costs over the medium term.
Geographic Concentration RiskHeavy exposure to Okinawa concentrates credit, deposit and fee risk in a single regional economy. Local tourism, employment, or regulatory shocks could disproportionately impact lending performance and deposit stability, limiting diversification and amplifying cyclicality over months.
Bank Of The Ryukyus,Limited News
8399 FAQ
What was Bank Of The Ryukyus,Limited’s price range in the past 12 months?
Bank Of The Ryukyus,Limited lowest stock price was ¥1235.00 and its highest was ¥3140.00 in the past 12 months.
What is Bank Of The Ryukyus,Limited’s market cap?
Bank Of The Ryukyus,Limited’s market cap is ¥124.84B.
When is Bank Of The Ryukyus,Limited’s upcoming earnings report date?
Bank Of The Ryukyus,Limited’s upcoming earnings report date is Aug 14, 2026 which is in 4 days.
How were Bank Of The Ryukyus,Limited’s earnings last quarter?
Bank Of The Ryukyus,Limited released its earnings results on May 12, 2026. The company reported ¥23.17 earnings per share for the quarter, beating the consensus estimate of N/A by ¥23.17.
Is Bank Of The Ryukyus,Limited overvalued?
According to Wall Street analysts Bank Of The Ryukyus,Limited’s price is currently Overvalued.
Does Bank Of The Ryukyus,Limited pay dividends?
Bank Of The Ryukyus,Limited pays a Semiannually dividend of ¥49 which represents an annual dividend yield of 2.99%. See more information on Bank Of The Ryukyus,Limited dividends here
What is Bank Of The Ryukyus,Limited’s EPS estimate?
Bank Of The Ryukyus,Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Bank Of The Ryukyus,Limited have?
Bank Of The Ryukyus,Limited has 43,108,470 shares outstanding.
What happened to Bank Of The Ryukyus,Limited’s price movement after its last earnings report?
Bank Of The Ryukyus,Limited reported an EPS of ¥23.17 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.055%.
Which hedge fund is a major shareholder of Bank Of The Ryukyus,Limited?
Currently, no hedge funds are holding shares in JP:8399
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Bank Of The Ryukyus,Limited
Operating across Japan, The Bank of The Ryukyus, Limited delivers a comprehensive suite of financial and banking solutions. Its offerings include a variety of deposit accounts, such as savings, fixed-term, and property deposits. The institution provides extensive lending products, featuring residential mortgages, apartment financing, auto loans, education loans, credit card facilities, and corporate lending, as well as reverse mortgages. Furthermore, it offers a wide array of insurance coverage, spanning personal, annuity, whole life, medical, long-term care, term life, fire, pet, and cancer policies. Clients can also access investment opportunities through investment trusts, bond offerings, and foreign currency deposit accounts. The bank extends its expertise to corporate advisory, assisting with business succession planning, mergers and acquisitions, capital strategy, and organizational structuring, alongside operating a securities brokerage division. Practical services like debit cards, ATM access, online banking, safe deposit boxes, foreign currency exchange, and remittance services are also provided. The Bank of The Ryukyus, Limited was founded in 1948 and is headquartered in Naha, Japan.
Technical Analysis
Oita Bank
―
Okinawa Financial Group, Inc.
―
Shikoku Bank Ltd.
―
Miyazaki Bank Ltd.
―
Bank of Saga Ltd.
―