ScoreComparison
Why is Bank of The Ryukyus, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.67% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 3.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.67% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 3.00%
3
With a growth in Operating Profit of 26.53%, the company declared Very Positive results in Mar 26
- GROSS NPA (%)(Q) Lowest at 2.62%
- NET SALES(HY) At JPY 20,942 MM has Grown at 30.1%
- NET PROFIT(HY) At JPY 3,799 MM has Grown at 69.45%
4
With ROA of 0.18%, it has a very attractive valuation with a 0.69 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 118.62%, its profits have risen by 2% ; the PEG ratio of the company is 10
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- 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)
9.31%
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
18
Industry P/E
Price to Book Value
0.69
EV to EBIT
-8.52
EV to EBITDA
-5.17
EV to Capital Employed
-19.69
EV to Sales
-1.35
PEG Ratio
9.97
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
GROSS NPA (%)
(Q
NET SALES(HY)
At JPY 20,942 MM has Grown at 30.1%
NET PROFIT(HY)
At JPY 3,799 MM has Grown at 69.45%
ROCE(HY)
Highest at 0.3%
DIVIDEND PAYOUT RATIO(Y)
Highest at 263.3%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
CREDIT DEPOSIT RATIO(HY)
Highest at 71.71%
-15What is not working for the Company
INTEREST(9M)
At JPY 4,646 MM has Grown at 169.65%
PRE-TAX PROFIT(Q)
At JPY 1,429 MM has Fallen at -54.27%
NET PROFIT(Q)
At JPY 950 MM has Fallen at -56.93%
ROCE(HY)
Lowest at 0.3%
CASH AND EQV(HY)
Lowest at JPY 314,896 MM
OPERATING PROFIT(Q)
Lowest at JPY 2,071 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 19.89 %
Here's what is working for Bank of The Ryukyus, Ltd.
Non Performing Loans (%)
Lowest at 2.62% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
At JPY 20,942 MM has Grown at 30.1%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Credit Deposit Ratio
Highest at 71.71%
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 (%)
Dividend Payout Ratio
Highest at 263.3%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at JPY 1,016 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Bank of The Ryukyus, Ltd.
Interest
At JPY 4,646 MM has Grown at 169.65%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY 1,429 MM has Fallen at -54.27%
over average net sales of the previous four periods of JPY 3,125 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 950 MM has Fallen at -56.93%
over average net sales of the previous four periods of JPY 2,205.86 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Operating Profit
Lowest at JPY 2,071 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 19.89 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 314,896 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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