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Jeju Bank (006220) AI Stock Analysis
Jeju Bank
(Korea Exchange:006220)
The score is held back primarily by weak and volatile cash-flow performance and low returns on equity despite improved TTM revenue and slightly higher earnings. Technical indicators also point to a downtrend with oversold momentum, while valuation is neutral with only modest dividend support.
Jeju Bank (006220) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- KRW 310.33B
- Dividend Yield
- 1.22%
- Average Volume (3M)
- 239.33K
- Price to Earnings (P/E)
- 17.0
- Beta (1Y)
- 0.29
- Revenue Growth
- 4.36%
- EPS Growth
- 40.16%
- Country
- KR
- Employees
- 480
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Jeju Bank Business Overview & Revenue Model
Company Description
Jeju Bank, along with its affiliated companies, delivers a suite of commercial banking products and services across South Korea. Its offerings extend to include trust management and foreign exchange transactions. As of the end of 2021, the bank's ope...
Jeju Bank Financial Statement Overview
Summary
Mixed fundamentals: the income statement shows a strong TTM revenue rebound and slightly higher net income, but profitability remains thin (low net/EBIT margins) and ROE is low. Leverage has increased to a moderate level, while the biggest risk is cash-flow reliability with negative TTM operating and free cash flow and a volatile multi-year pattern.
Income Statement
62PositiveBalance Sheet
58NeutralCash Flow
34Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 454.61B | 371.08B | 372.38B | 132.40B | 267.57B | 197.29B |
| Gross Profit | 255.29B | 155.50B | 177.48B | 132.28B | 165.92B | 141.67B |
| EBITDA | 36.82B | 41.76B | 36.88B | 29.28B | 49.46B | 35.17B |
| Net Income | 14.85B | 13.93B | 10.42B | 5.10B | 22.82B | 18.45B |
Balance Sheet | ||||||
| Total Assets | 8.94T | 8.02T | 7.44T | 7.16T | 7.32T | 6.94T |
| Cash, Cash Equivalents and Short-Term Investments | 449.51B | 246.91B | 228.15B | 235.89B | 235.22B | 292.80B |
| Total Debt | 715.07B | 778.02B | 620.36B | 483.65B | 493.19B | 511.09B |
| Total Liabilities | 8.40T | 7.47T | 6.85T | 6.63T | 6.80T | 6.43T |
| Stockholders Equity | 545.87B | 547.58B | 590.11B | 535.85B | 521.85B | 515.95B |
Cash Flow | ||||||
| Free Cash Flow | -123.47B | 172.03B | -147.24B | 361.62B | 86.04B | 144.81B |
| Operating Cash Flow | -115.11B | 175.34B | -140.90B | 370.87B | 114.39B | 155.93B |
| Investing Cash Flow | -1.11T | -701.06B | 22.04B | -124.09B | -125.37B | -194.62B |
| Financing Cash Flow | 1.34T | 545.10B | 110.57B | -245.79B | -45.57B | 38.34B |
Jeju Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:006220, the sentiment is Negative. The current price of 8260.00 is below the 20-day moving average (MA) of 8845.50, below the 50-day MA of 9402.60, and below the 200-day MA of 11317.61, indicating a bearish trend. The MACD of -369.19 indicates Positive momentum. The RSI at 30.10 is Neutral, neither overbought nor oversold. The STOCH value of 20.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KR:006220.
Jeju Bank Peers Comparison
Overall Rating
KR:31614066Neutral
KR:05555065Neutral
KR:10556062Neutral
KR:32341060Neutral
KR:13893058Neutral- KR:00622049Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| KR:316140 | 66Neutral | KRW 22.69T | 7.52 | ― | 4.55% | 37.27% | -6.05% |
| KR:055550 | 65Neutral | KRW 41.03T | 7.69 | ― | 3.46% | 32.01% | 19.24% |
| KR:105560 | 62Neutral | KRW 52.46T | 8.55 | ― | 5.33% | 31.63% | 17.83% |
| KR:323410 | 60Neutral | KRW 9.49T | 17.44 | ― | 2.31% | 2.68% | 15.30% |
| KR:138930 | 58Neutral | KRW 4.01T | 6.18 | ― | 6.01% | 10.30% | -13.12% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| KR:006220 | 49Neutral | KRW 310.33B | 16.95 | ― | 1.22% | 4.36% | 40.16% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KR:006220 | Jeju Bank | 8210.00 | -4589.30 | -35.86% | |
| KR:055550 | Shinhan Financial Group Co., Ltd. | 89600.00 | 17215.15 | 23.78% | |
| KR:105560 | KB Financial Group Inc. | 155500.00 | 41050.78 | 35.87% | |
| KR:138930 | BNK Financial Group, Inc. | 13230.00 | -340.25 | -2.51% | |
| KR:316140 | Woori Financial Group, Inc. | 30800.00 | 6311.24 | 25.77% | |
| KR:323410 | KakaoBank Corp. | 19920.00 | -2554.61 | -11.37% |
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: Oct 28, 2026