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

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bank of The Ryukyus, Ltd.

The Bank of Nagoya Ltd.

Okinawa Financial Group, Inc.

The Musashino Bank, Ltd.

The Kiyo Bank, Ltd.

The Ogaki Kyoritsu Bank Ltd.

Nanto Bank Ltd.

TOMONY Holdings, Inc.

First Bank of Toyama Ltd.

The Miyazaki Bank Ltd.

The Keiyo Bank, Ltd.

Why is Bank of The Ryukyus, Ltd. ?

With a growth in Operating Profit of 26.53%, the company declared Outstanding results in Dec 25

ROCE(HY) Highest at 0.29%
NET SALES(Q) Highest at JPY 10,532 MM
OPERATING PROFIT(Q) Highest at JPY 3,808 MM

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 93.00%, 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

Real-Time Research Report

Verdict Report

How 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 Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.30%

EBIT Growth (5y)

3.83%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.33%

Pledged Shares

Institutional Holding

0.04%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

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%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Bullish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

25What is working for the Company

ROCE(HY)

Highest at 0.29%

NET SALES(Q)

Highest at JPY 10,532 MM

OPERATING PROFIT(Q)

Highest at JPY 3,808 MM

OPERATING PROFIT MARGIN(Q)

Highest at 36.16 %

NII(Q)

Highest at JPY 9,117 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 71.31%

PRE-TAX PROFIT(Q)

Highest at JPY 4,128 MM

NET PROFIT(Q)

Highest at JPY 2,849 MM

EPS(Q)

Highest at JPY 69.45

-7What is not working for the Company

INTEREST(9M)

At JPY 3,963 MM has Grown at 211.56%

ROCE(HY)

Lowest at 0.29%

CASH AND EQV(HY)

Lowest at JPY 369,145 MM

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

Net Sales

Highest at JPY 10,532 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

Operating Profit

Highest at JPY 3,808 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (JPY MM)

Operating Profit Margin

Highest at 36.16 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

NII

Highest at JPY 9,117 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

At JPY 10,532 MM has Grown at 19.53%

over average net sales of the previous four periods of JPY 8,811.25 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 4,128 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Pre-Tax Profit

At JPY 4,128 MM has Grown at 55.82%

over average net sales of the previous four periods of JPY 2,649.25 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 2,849 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 69.45

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Credit Deposit Ratio

Highest at 71.31%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Depreciation

Highest at JPY 892 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 3,963 MM has Grown at 211.56%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Cash and Eqv

Lowest at JPY 369,145 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents