1. Japan Stocks

  2. •

    Finance

  3. •

    Regional banks
Bank Of The Ryukyus,Limited

Bank Of The Ryukyus,Limited

TTSE:8399
2,764.00
JPY
-99.00
(-3.46%)
90.75BMarket Cap
Nov 11Next Earn
Bank Of The Ryukyus,Limited
TSE:8399
(Tokyo Stock Exchange)

Recent

price

2,764.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
JPY
818.05
809.02
851.82
876.02
1,283.97
1,385.96
1,415.1
1,445.62
1,349.08
1,307.55
1,215.48
1,207.2
1,229.49
1,357.87
1,467.39
1,642.6
- -
Revenue per Share
110.47
61.7
72.42
130.64
146.22
271.45
170.48
230.32
149.14
115.38
60.01
131.17
139.38
135.7
139.02
221.53
- -
Basic EPS, GAAP
2,003.36
2,899.04
39.81
2,887.47
2,847.77
-512.98
-1,387.01
-333.41
-1,597.13
632.77
6,785.91
6,633.37
-1,337.82
-1,230.96
-3,975.07
320.34
- -
Free Cash Flow per Basic Share
18.27
37.17
30.11
30.09
29.99
36.55
34.99
34.97
41.26
34.91
30.04
30.11
35.13
35.95
37.54
46.04
- -
Dividend per Share
2,117.98
2,216.12
2,289.92
2,368.92
2,567.22
2,780.01
2,848.46
3,084.22
2,989.23
3,027.34
3,066.5
3,183.02
3,325.21
3,421.46
3,381.29
3,548.82
- -
Book Value per Share
2,071.91
2,152.41
2,229.64
2,291.4
2,470.59
2,684.69
2,762.37
2,994.24
2,889.7
2,912.5
2,946.58
3,077.74
3,229.51
3,342.09
3,273.58
3,442.25
- -
Tangible Book Value per Share
39
39
38
38
38
38
38
38
41
43
43
43
42
42
41
41
41
Basic Weighted Avg Shares
32,110
31,339
32,652
33,280
48,760
52,747
53,904
55,139
55,226
56,107
52,233
51,445
52,011
56,547
60,705
67,357
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,641
1,341
1,362
1,361
2,246
2,551
2,697
2,687
2,786
2,967
2,936
3,003
2,987
3,167
3,237
3,566
- -
Depreciation Expense
4,336
2,390
2,776
4,963
5,553
10,331
6,494
8,785
6,105
4,951
2,579
5,590
5,896
5,651
5,751
9,084
- -
Net Income, GAAP
43.42
56.78
42.77
38.21
42.34
25.13
30.45
28.06
28.52
27.45
30.82
31.12
30.05
32.43
30.22
29.85
- -
Effective Tax Rate (%)
13.5
7.63
8.5
14.91
11.39
19.59
12.05
15.93
11.05
8.82
4.94
10.87
11.34
9.99
9.47
13.49
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
19,565
9,676
8,464
20,360
80,800
54,294
54,493
54,116
19,120
20,123
128,573
297,872
104,865
19,271
19,535
15,748
- -
LT Debt
84,902
87,767
90,005
90,125
99,811
108,283
110,986
117,936
128,114
129,959
131,815
135,019
138,160
142,565
139,828
145,524
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
4
2.29
2.41
4.47
3.64
5.88
3.82
5.15
3.82
3.33
1.26
1.61
1.74
2.79
3.58
5.67
- -
Return on Capital (%)
5.12
2.83
3.2
5.59
5.92
10.16
6.06
7.76
4.96
3.84
1.97
4.19
4.32
4.03
4.07
6.37
- -
Return on Common Equity (%)

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
41
41
41
Market Capitalization
60,527
90,747
106,904

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
215,245
161,544
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.04%
2.02%
4.07%
Free Cash Flow
132.16%
-3.94%
-107.99%
Net Income, GAAP
7.86%
35.56%
57.96%
Sales/Revenue/Turnover
2.6%
5.32%
10.96%
Total Cash Common Dividend
3.86%
8.25%
21.57%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
60,705
2026
- -
- -
- -
- -
67,357
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
139.02
2026
- -
- -
- -
- -
221.53
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
37.54
2026
- -
- -
- -
- -
46.04
2027
- -
- -
- -
- -
- -
Similar Companies
ICICI Bank Limited (NSE:ICICIBANK)
State Bank of India (NSE:SBIN)
Nu Holdings Ltd. (NYSE:NU)
Sberbank (MOEX:SBER)
Akbank T.A.S. (BIST:AKBNK)
PT Bank Rakyat Indonesia (Persero) Tbk Class B (IDX:BBRI)
Business
Bank of The Ryukyus, Limited Bank of The Ryukyus, Limited is a Japan-based regional bank that provides comprehensive financial services to individual and corporate customers primarily in Okinawa Prefecture. The bank offers deposit products including savings, time, fixed-term, and property deposits; diverse loan products such as housing, apartment, free, car, education, card, and corporate loans as well as reverse mortgages; insurance products encompassing individual, annuity, whole life, medical, long-term, term life, fire, pet, and cancer insurance; investment trusts and bonds; foreign currency deposits and exchange; debit cards; ATM services; online banking; safe deposit boxes; and remittance services; it also engages in security brokerage, corporate consulting on business succession, mergers and acquisitions, privacy policy, and organizational structure, alongside cash scrutiny, industry research, leasing through Ryukyu Leasing Co., Ltd., credit card operations via Okinawa Credit Service Co., Ltd., credit guarantee, and IT businesses. Founded in 1948 as a precursor organization under U.S. military government ordinance and reorganized as a joint-stock corporation in 1972, the bank is headquartered in Naha, Okinawa, Japan, and listed on the Tokyo Stock Exchange Prime Market. Recent developments include a comprehensive collaboration agreement signed in July 2025 with the Okinawa Institute of Science and Technology to promote industry-academia ties, startup creation, research commercialization, financing support, and economic revitalization in Okinawa; membership in the TSUBASA Alliance since April 2020 led by The Chiba Bank, Ltd.; the Okinawa Economic Revitalization Partnership with The Bank of Okinawa, Ltd. since January 2021; completion of the acquisition of RYUCOM Co., Ltd. in December 2022; and Ryukyu Leasing Co., Ltd. becoming a wholly owned subsidiary in July 2017 with Okinawa Credit Service Co., Ltd. as a consolidated subsidiary since April 2015.