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

• Market Cap: ¥64.60B
• Dividend Yield: 3.03%
• Average Volume (3M): 142.27K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 1.09
• Revenue Growth: 6.16%
• EPS Growth: -3.02%
• Country: JP
• Employees: 1,772
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 66.22
• Shares Outstanding: 43,108,470
• 10 Day Avg. Volume: 123,030
• 30 Day Avg. Volume: 142,269
• PEG Ratio: 3.18
• Price to Book (P/B): 0.34
• Price to Sales (P/S): 0.76
• P/FCF Ratio: 2.99
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥1,613.00 ▲(4.47% Upside)

The overall stock score of 72 reflects a combination of strong technical indicators and attractive valuation, despite some financial performance challenges. The stock's bullish momentum and low P/E ratio are significant strengths, while inconsistent revenue growth and cash flow volatility are areas of concern.

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, primarily serving the banking needs of individuals and businesses in the Ryukyu Islands. The bank offers a range of financial services including retail banking, corporate banking, and investment services. It focuses on providing loans, deposit accounts, and various financial products tailored to meet the needs of its local clientele, while also engaging in community development initiatives.

How the Company Makes Money

The Bank of the Ryukyus generates revenue through several key streams. Primarily, it earns interest income from loans provided to both individual and corporate clients, which typically includes personal loans, mortgages, and business loans. Additionally, the bank collects fees for various services, such as account maintenance, transaction processing, and financial advisory services. The bank also invests in government and corporate bonds, yielding interest income. Significant partnerships with local businesses and government bodies enhance its loan portfolio and service offerings, contributing to its overall profitability. Furthermore, the bank's emphasis on community investment may lead to increased customer loyalty and a stable deposit base, which are crucial for its funding and lending activities.

Bank Of The Ryukyus,Limited Financial Statement Overview

Summary

The financial statements of Bank Of The Ryukyus, Limited reflect strong cost management and a stable financial position. However, challenges in maintaining consistent revenue growth and profitability, along with cash flow volatility, present potential risks.

Income Statement

The income statement shows a mixed performance. The gross profit margin is strong, indicating efficient cost management. However, the net profit margin has decreased over the years, reflecting challenges in maintaining profitability. Revenue growth has been inconsistent, with recent declines suggesting potential market or operational issues. The EBIT and EBITDA margins have also declined, indicating pressure on operating efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio, indicating prudent financial management. The return on equity is modest, suggesting average profitability relative to shareholder equity. The equity ratio is healthy, showing a strong capital base. However, the historical fluctuations in debt levels highlight potential volatility in financial strategy.

Cash Flow

Cash flow analysis reveals volatility, with significant fluctuations in operating and free cash flow. The operating cash flow to net income ratio is strong, indicating good cash generation relative to net income. However, the free cash flow growth rate has been inconsistent, and the free cash flow to net income ratio suggests challenges in converting profits into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	66.68B	62.74B	63.14B	52.98B	55.87B	52.65B
Gross Profit	66.65B	60.70B	63.14B	58.70B	55.87B	52.23B
EBITDA	8.34B	11.48B	11.53B	11.41B	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	47.44B	104.86B	297.87B	131.15B
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	-157.81B	-56.59B	282.68B	8.57B
Operating Cash Flow	0.00	26.36B	-144.73B	-52.27B	22.56B	10.76B
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

• Technical Analysis Sentiment: Positive
• Last Price: 1544.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 1544 is above the 20-day moving average (MA) of 1485.55, above the 50-day MA of 1428.89, and above the 200-day MA of 1199.29, indicating a bullish trend. The MACD of 32.60 indicates Negative momentum. The RSI at 59.63 is Neutral, neither overbought nor oversold. The STOCH value of 65.18 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8387	79 Outperform	¥60.59B	8.64	―	3.35%	7.21%	-3.97%
8393	78 Outperform	¥79.14B	7.79	―	2.84%	13.93%	54.44%
8344	74 Outperform	¥52.30B	12.20	―	3.23%	-12.00%	28.81%
8399	72 Outperform	¥64.60B	9.98	―	3.03%	6.16%	-3.02%
8343	70 Outperform	¥66.38B	10.32	―	3.64%	8.73%	12.43%
8392	68 Neutral	$79.32B	10.83	3.68%	2.60%	2.61%	-1.50%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Bank Of The Ryukyus,Limited Corporate Events

Bank of The Ryukyus Increases Financial and Dividend Forecasts

Bank of The Ryukyus, Ltd. has revised its financial results forecast for the fiscal year ending March 31, 2026, reporting a substantial increase in both consolidated and non-consolidated profits due to higher interest income from loans and securities. Consequently, the bank has also increased its dividend forecast, raising the interim and year-end dividends per share from ¥20 to ¥27, reflecting the bank’s improved profitability and providing greater returns to its shareholders.

The most recent analyst rating on (JP:8399) stock is a Buy with a Yen1613.00 price target. To see the full list of analyst forecasts on Bank Of The Ryukyus,Limited stock, see the JP:8399 Stock Forecast page.

Bank of The Ryukyus Completes Treasury Share Disposal for Employee Incentive

The Bank of The Ryukyus, Ltd. has completed the payment procedures for the disposal of treasury shares as a restricted stock incentive for its employee stock ownership association. This initiative, resolved by the Board of Directors, involved a change in the number of shares disposed of due to the determination of eligible members, impacting both the total shares and value disposed.

The most recent analyst rating on (JP:8399) stock is a Buy with a Yen1483.00 price target. To see the full list of analyst forecasts on Bank Of The Ryukyus,Limited stock, see the JP:8399 Stock Forecast page.

Bank of The Ryukyus Announces Corrections to Financial Results

Bank of The Ryukyus, Ltd. announced corrections to its previously released consolidated financial results for the fiscal year ending March 31, 2025. The corrections were necessary due to identified errors in the reported capital adequacy ratios and core capital elements, which could impact stakeholders’ understanding of the bank’s financial health and regulatory compliance.