ScoreComparison
Why is Bank of The Ryukyus, Ltd. ?
1
Positive results in Jun 25
- NII(Q) Highest at JPY 7,939 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 68.45%
- NET SALES(Q) Highest at JPY 9,155 MM
2
With ROA of 0.19%, it has a very attractive valuation with a 0.35 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 62.99%, its profits have risen by 2% ; the PEG ratio of the company is 4.9
- At the current price, the company has a high dividend yield of 0.4
3
Market Beating performance in long term as well as near term
- Along with generating 62.99% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank of The Ryukyus, Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.30%
EBIT Growth (5y)
3.83%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.33%
Pledged Shares
0
Institutional Holding
0.04%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.35
EV to EBIT
-27.55
EV to EBITDA
-15.04
EV to Capital Employed
6.73
EV to Sales
-3.39
PEG Ratio
4.86
Dividend Yield
0.44%
ROCE (Latest)
-24.44%
ROE (Latest)
4.11%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at JPY 7,939 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 68.45%
NET SALES(Q)
Highest at JPY 9,155 MM
OPERATING PROFIT(Q)
Highest at JPY 2,510 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.42 %
PRE-TAX PROFIT(Q)
Highest at JPY 3,493 MM
NET PROFIT(Q)
At JPY 2,571 MM has Grown at 78.82%
EPS(Q)
Highest at JPY 62.58
-6What is not working for the Company
INTEREST(9M)
At JPY 2,595 MM has Grown at 90.39%
CASH AND EQV(HY)
Lowest at JPY 349,770 MM
Here's what is working for Bank of The Ryukyus, Ltd.
NII
Highest at JPY 7,939 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 9,155 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 9,155 MM has Grown at 16.81%
over average net sales of the previous four periods of JPY 7,837.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 2,510 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 27.42 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 3,493 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 3,493 MM has Grown at 69.5%
over average net sales of the previous four periods of JPY 2,060.75 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 2,571 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 2,571 MM has Grown at 78.82%
over average net sales of the previous four periods of JPY 1,437.75 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 62.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 68.45%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 10.13%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Bank of The Ryukyus, Ltd.
Interest
At JPY 2,595 MM has Grown at 90.39%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 349,770 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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