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Bank of The Ryukyus, Limited (8399.T)
Naha, JP
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.62% | +2.84% | +7.65% | +4.34% | +62.81% | +36.55% | +138.11% | +180.39% | +267.19% | +124.41% | +68.24% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+25.7% Q1'26: +25.1% (vs Q1'25)
-
EPS growth+59.3% Q1'26: +41.0% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +7.3% (vs Q1'25)
-
ROIC— Q1'26: -1,350.9% (vs Q1'25)
-
Share dilution-0.9% Q1'26: -0.8% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.76× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2026 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
55.81B
est: 60.00B (-7.0%)
|
56.68B
est: 61.80B (-8.3%)
|
56.76B
est: 62.30B (-8.9%)
|
57.43B
est: 63.90B (-10.1%)
|
52.65B
est: 64.60B (-18.5%)
|
51.62B
est: 65.40B (-21.1%)
|
55.38B
55.38B – 55.38B
-15.3% YoY
|
| EBITDA |
12.36B
est: 11.25B (+9.9%)
|
15.04B
est: 11.59B (+29.8%)
|
11.33B
est: 11.68B (-3.0%)
|
9.79B
est: 11.98B (-18.2%)
|
6.66B
est: 12.11B (-45.0%)
|
11.12B
est: 12.26B (-9.3%)
|
11.29B
11.29B – 11.29B
-7.9% YoY
|
| EBIT |
9.66B
est: 7.94B (+21.8%)
|
12.35B
est: 8.17B (+51.1%)
|
8.54B
est: 8.24B (+3.7%)
|
6.83B
est: 8.45B (-19.2%)
|
3.73B
est: 8.54B (-56.4%)
|
8.12B
est: 8.65B (-6.2%)
|
8.36B
8.36B – 8.36B
-3.4% YoY
|
| Net Income |
6.49B
est: 7.60B (-14.6%)
|
8.79B
est: 8.55B (+2.7%)
|
6.11B
est: 5.80B (+5.3%)
|
4.95B
est: 6.18B (-19.9%)
|
2.58B
est: 6.57B (-60.7%)
|
5.59B
est: 6.95B (-19.6%)
|
—
— – —
-100.0% YoY
|
| SGA |
26.39B
est: 29.97B (-12.0%)
|
26.61B
est: 30.87B (-13.8%)
|
27.10B
est: 31.12B (-12.9%)
|
27.44B
est: 31.92B (-14.0%)
|
27.79B
est: 32.27B (-13.9%)
|
27.15B
est: 32.67B (-16.9%)
|
21.82B
21.82B – 21.82B
-33.2% YoY
|
| EPS |
170.51
est: 183.70 (-7.2%)
|
230.32
est: 206.60 (+11.5%)
|
149.14
est: 139.99 (+6.5%)
|
115.38
est: 149.33 (-22.7%)
|
60.01
est: 158.66 (-62.2%)
|
131.17
est: 168.00 (-21.9%)
|
—
— – —
-100.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 3/5 | 1/5 | 2/5 | 2/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 2/5 | 2/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 2/5 | 2/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 2/5 | 2/5 | 3/5 | 3/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 1/5 | 2/5 | 3/5 | 3/5 | 3/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 2/5 | 3/5 | 3/5 | 3/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 2/5 | 3/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 2/5 | 3/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Goldman Sachs Data Enhanced International Equity ETF GIEQ | 0.38% | 39.1K | 0.30% |
| 2 | State Street SPDR S&P International Small Cap ETF GWX | 0.11% | 958.3K | 0.40% |
| 3 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.10% | 317.2K | 0.31% |
| 4 | WisdomTree Japan SmallCap Dividend Fund DFJ | 0.09% | 333.2K | 0.58% |
| 5 | Dimensional - International Small Cap Value ETF DISV | 0.08% | 3.85M | 0.42% |
| 6 | Avantis International Small Cap Value ETF AVDV | 0.07% | 13.03M | 0.36% |
| 7 | Avantis International Small Cap Equity ETF AVDS | 0.03% | 106.3K | 0.30% |
| 8 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.03% | 347.6K | 0.39% |
| 9 | Dimensional - International Small Cap ETF DFIS | 0.03% | 1.49M | 0.39% |
| 10 | Schwab International Small-Cap Equity ETF SCHC | 0.02% | 1.29M | 0.06% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ikuo Tonaki | MD & Director | — | — |
| Imamura | IR Contact | — | male |
| Ken Shimabukuro | President & Director | — | male |
| Michio Nakagawa | MD & Director | — | — |
| Takeshi Kikuchi | Senior MD & Representative Director | — | male |
| Yasushi Kawakami | Chairman of the Board | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 8399.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
