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Bank of The Ryukyus, Ltd.

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: JP3975000005
  • TKS: 8399
JPY
3,285.00
-40 (-1.2%)

Sep 24

TKS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
First Bank of Toyama Ltd.
TOMONY Holdings, Inc.
Okinawa Financial Group, Inc.
The Keiyo Bank, Ltd.
The Bank of Nagoya Ltd.
The Musashino Bank, Ltd.
Bank of The Ryukyus, Ltd.
The Ogaki Kyoritsu Bank Ltd.
Nanto Bank Ltd.
The Miyazaki Bank Ltd.
The Kiyo Bank, Ltd.

Why is Bank of The Ryukyus, Ltd. ?

1
Poor Management Efficiency with a low ROA of 0.10%
  • The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
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 profit has grown by an annual rate of 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
3
Poor long term growth as Net profit has grown by an annual rate of 3.00%
4
Flat results in Jun 26
  • INTEREST(9M) At JPY 5,505 MM has Grown at 112.14%
  • ROCE(HY) Lowest at 0.3%
5
With ROA of 0.18%, it has a very attractive valuation with a 0.78 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 130.85%, its profits have risen by 2% ; the PEG ratio of the company is 11.2
  • At the current price, the company has a high dividend yield of 0
stock-recommendationReal-Time Research Report

Verdict Report

How much should you hold?

  1. Overall Portfolio exposure to Bank of The Ryukyus, Ltd. should be less than 10%
  2. 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

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No Data Found
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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
39.73%
Pledged Shares
0
Institutional Holding
0.04%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
0.78
EV to EBIT
-6.12
EV to EBITDA
-3.71
EV to Capital Employed
-14.13
EV to Sales
-0.97
PEG Ratio
11.15
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.94%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company
ROCE(HY)

Highest at 0.3%

NII(Q)

Highest at JPY 9,322 MM

NET SALES(Q)

Highest at JPY 11,513 MM

PRE-TAX PROFIT(Q)

Highest at JPY 4,349 MM

NET PROFIT(Q)

Highest at JPY 2,981 MM

EPS(Q)

Highest at JPY 72.66

-6What is not working for the Company
INTEREST(9M)

At JPY 5,505 MM has Grown at 112.14%

ROCE(HY)

Lowest at 0.3%

Here's what is working for Bank of The Ryukyus, Ltd.

NII
Highest at JPY 9,322 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (JPY MM)

Net Sales
Highest at JPY 11,513 MM
in the last five periods
MOJO Watch
Near term sales trend is positive

Net Sales (JPY MM)

Net Sales
At JPY 11,513 MM has Grown at 14.87%
over average net sales of the previous four periods of JPY 10,022.5 MM
MOJO Watch
Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit
Highest at JPY 4,349 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit
Highest at JPY 2,981 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS
Highest at JPY 72.66
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Depreciation
Highest at JPY 1,043 MM
in the last five periods
MOJO 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 5,505 MM has Grown at 112.14%
over previous Semi-Annual period
MOJO Watch
Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

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Bank of The Ryukyus, Ltd. (8399) Stock Recommendation | Score, Valuation, Technicals & Financial Trend