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

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Bank Of The Ryukyus,Limited

(TSE/TYO:8399)

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Rating:65Neutral

Price Target:JPY 2,860.00▲(7.52% Upside)

Action:reiterated

Date:08/17/26

The score is driven primarily by mixed financial performance: strong revenue/net income momentum and improving leverage are offset by highly volatile operating and free cash flow. Technicals are supportive with a strong uptrend, but overbought indicators raise near-term risk. Valuation is reasonable with a moderate P/E and a ~2.67% dividend yield.

Positive Factors

Revenue and profit growthRevenue re-acceleration and higher net income indicate stronger current earning power across the bank’s core period. If this improvement persists, it can support capital formation and investment in customer channels, although the pack does not establish that the growth is permanent.

Negative Factors

Volatile cash generationLarge swings in operating and free cash flow make internally generated funding less predictable, even when reported earnings are improving. That volatility can constrain capital allocation and liquidity planning and may make the bank more sensitive to changes in lending, funding, or investment flows.

Bank Of The Ryukyus,Limited (8399) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 109.41B
Dividend Yield: 4.14%
Average Volume (3M): 178.07K
Price to Earnings (P/E): 11.5
Beta (1Y): 1.31
Revenue Growth: 18.94%
EPS Growth: 26.15%
Country: Japan
Employees: 1,802
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Bank Of The Ryukyus,Limited Business Overview & Revenue Model

Company Description

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 provi...

How the Company Makes Money

The company primarily makes money through (1) net interest income, (2) fee and commission income, and (3) other financial income and gains. 1) Net interest income (core earnings driver): The bank collects interest from loans and other interest-bearin...

Bank Of The Ryukyus,Limited Financial Statement Overview

Summary

Income statement strength (Score 72) shows meaningful revenue re-acceleration and higher net income, and the balance sheet is improved with sharply lower leverage (Score 67). However, cash flow quality is a major drag (Cash Flow Score 41) due to large swings in operating and free cash flow, reducing predictability of internally generated funding.

Income Statement

72Positive

Balance Sheet

67Positive

Cash Flow

41Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	82.10B	78.89B	62.74B	58.56B	52.98B	51.62B
Gross Profit	75.26B	73.12B	60.70B	56.55B	52.01B	51.45B
EBITDA	13.50B	16.48B	11.48B	11.53B	11.42B	11.12B
Net Income	9.49B	9.08B	5.75B	5.65B	5.90B	5.59B
Balance Sheet
Total Assets	3.15T	3.11T	2.98T	3.07T	3.04T	3.06T
Cash, Cash Equivalents and Short-Term Investments	264.11B	161.55B	171.57B	341.75B	598.66B	770.55B
Total Debt	14.42B	15.75B	19.54B	82.95B	104.86B	585.72B
Total Liabilities	3.00T	2.96T	2.84T	2.92T	2.90T	2.93T
Stockholders Equity	146.61B	145.52B	139.83B	142.56B	138.16B	135.02B
Cash Flow
Free Cash Flow	0	-2.23B	15.89B	0	-56.59B	282.68B
Operating Cash Flow	0	7.02B	26.36B	0	-52.27B	22.56B
Investing Cash Flow	0	-130.51B	-113.69B	-265.72B	-116.73B	-38.66B
Financing Cash Flow	0	112.80B	-83.19B	10.93B	-2.90B	116.82B

Bank Of The Ryukyus,Limited Technical Analysis

Technical Analysis SentimentNeutral

Last Price2660.00

Price Trends

50DMA3022.96Negative

100DMA2930.29Negative

200DMA2633.95Positive

Market Momentum

MACD-119.97Negative

RSI42.03Neutral

STOCH55.69Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8399, the sentiment is Neutral. The current price of 2660.00 is below the 20-day moving average (MA) of 2740.30, below the 50-day MA of 3022.96, and above the 200-day MA of 2633.95, indicating a neutral trend. The MACD of -119.97 indicates Negative momentum. The RSI at 42.03 is Neutral, neither overbought nor oversold. The STOCH value of 55.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8399.

Bank Of The Ryukyus,Limited Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:8399 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8387	81Outperform	JPY 147.77B	8.27	―	2.07%	39.23%	178.34%
JP:8395	75Outperform	JPY 100.61B	10.86	―	2.06%	15.58%	15.08%
JP:7350	69Neutral	JPY 148.76B	12.02	―	2.88%	20.41%	41.92%
JP:8393	68Neutral	JPY 211.07B	13.24	―	2.33%	9.60%	33.99%
JP:8392	66Neutral	JPY 207.95B	15.14	5.27%	1.58%	24.51%	62.67%
JP:8399	65Neutral	JPY 112.96B	11.52	―	4.14%	18.94%	26.15%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

JP:8399 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8399	Bank Of The Ryukyus,Limited	2660.00	1140.47	75.05%
JP:8392	Oita Bank	2656.00	1620.85	156.58%
JP:7350	Okinawa Financial Group, Inc.	6950.00	2787.88	66.98%
JP:8387	Shikoku Bank Ltd.	3615.00	2134.06	144.10%
JP:8393	Miyazaki Bank Ltd.	2450.00	1435.33	141.46%
JP:8395	Bank of Saga Ltd.	6070.00	2845.54	88.25%

Bank Of The Ryukyus,Limited Corporate Events

Bank of The Ryukyus Reports Higher Six-Month Results

Nov 11, 2026

Bank of The Ryukyus, Limited is a listed bank whose shares trade on the Tokyo Stock Exchange and Fukuoka Stock Exchange under securities code 8399.On a consolidated basis, ordinary income for the six months ended September 30, 2026, rose 17.3% year o...

Bank of The Ryukyus Reports Bond Valuation Losses but Keeps Earnings Outlook Intact

Oct 23, 2026

Bank of The Ryukyus, Ltd., a regional bank headquartered in Okinawa and listed on the TSE Prime Market and FSE, operates primarily in retail and corporate banking and manages a substantial portfolio of held-to-maturity bonds. Its business model ties...

Bank of The Ryukyus Lifts Half-Year Earnings Forecast on Strong Interest Income

Oct 23, 2026

Bank of The Ryukyus has sharply raised its earnings forecast for the six months to September 30, 2026, reflecting stronger-than-expected growth in interest income from loans, discounts, and securities. Consolidated ordinary profit is now projected at...

Bank of The Ryukyus Finalizes Adjusted Treasury Share Disposal for Employee Stock Plan

Oct 16, 2026

Bank of The Ryukyus has completed payment procedures for the disposal of treasury shares under a restricted stock incentive plan for its Group Employee Stock Ownership Association, implementing a third-party allotment of common shares. The move under...

Bank of The Ryukyus Lifts Quarterly Profit and Plans Higher Dividend Amid Steady Balance Sheet

Aug 14, 2026

Bank of The Ryukyus reported a solid start to its fiscal year, with ordinary income for the three months ended June 30, 2026 rising 16.6% year on year to ¥22.7 billion and ordinary profit climbing 24.9% to ¥4.37 billion. Profit attributable to owners...

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.

Date of analysis: Aug 17, 2026

Bank Of The Ryukyus,Limited AI Stock Analysis