Bank of The Ryukyus, Limited Logo

Bank of The Ryukyus, Limited

8399.T

(2.0)
Stock Price

1.027,00 JPY

1.76% ROA

4.65% ROE

6.3x PER

Market Cap.

41.134.887.648,00 JPY

15.43% DER

3.77% Yield

10.39% NPM

Bank of The Ryukyus, Limited Stock Analysis

Bank of The Ryukyus, Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of The Ryukyus, Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.36x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

3 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

4 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

5 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (11.559), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

6 ROE

ROE in an average range (4.32%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (0.18%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 DER

The stock is burdened with a heavy load of debt (221%), making it financially unstable and potentially risky for investors.

10 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

Bank of The Ryukyus, Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of The Ryukyus, Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Bank of The Ryukyus, Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of The Ryukyus, Limited Revenue
Year Revenue Growth
2004 42.523.000.000
2005 49.288.000.000 13.73%
2006 36.190.000.000 -36.19%
2007 34.655.000.000 -4.43%
2008 33.811.000.000 -2.5%
2009 33.901.000.000 0.27%
2010 32.110.000.000 -5.58%
2011 32.676.000.000 1.73%
2012 32.652.000.000 -0.07%
2013 33.280.000.000 1.89%
2014 48.760.000.000 31.75%
2015 52.747.000.000 7.56%
2016 53.904.000.000 2.15%
2017 55.139.000.000 2.24%
2018 55.226.000.000 0.16%
2019 56.107.000.000 1.57%
2020 52.233.000.000 -7.42%
2021 51.445.000.000 -1.53%
2022 52.011.000.000 1.09%
2023 62.600.000.000 16.92%
2023 63.252.000.000 1.03%
2024 66.060.000.000 4.25%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of The Ryukyus, Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of The Ryukyus, Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 21.971.000.000 100%
2008 22.083.000.000 0.51%
2009 21.968.000.000 -0.52%
2010 22.603.000.000 2.81%
2011 22.123.000.000 -2.17%
2012 22.230.000.000 0.48%
2013 22.593.000.000 1.61%
2014 23.641.000.000 4.43%
2015 25.027.000.000 5.54%
2016 26.390.000.000 5.16%
2017 26.611.000.000 0.83%
2018 27.096.000.000 1.79%
2019 27.439.000.000 1.25%
2020 27.792.000.000 1.27%
2021 27.150.000.000 -2.36%
2022 26.674.000.000 -1.78%
2023 26.804.000.000 0.49%
2023 28.244.000.000 5.1%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of The Ryukyus, Limited EBITDA
Year EBITDA Growth
2004 13.850.000.000
2005 6.049.000.000 -128.96%
2006 15.438.000.000 60.82%
2007 10.975.000.000 -40.67%
2008 12.799.000.000 14.25%
2009 13.816.000.000 7.36%
2010 14.219.000.000 2.83%
2011 11.699.000.000 -21.54%
2012 9.327.000.000 -25.43%
2013 11.734.000.000 20.51%
2014 14.333.000.000 18.13%
2015 18.795.000.000 23.74%
2016 14.040.000.000 -33.87%
2017 16.473.000.000 14.77%
2018 8.541.000.000 -92.87%
2019 6.825.000.000 -25.14%
2020 3.728.000.000 -83.07%
2021 8.115.000.000 54.06%
2022 8.429.000.000 3.73%
2023 14.908.000.000 43.46%
2023 -20.000.000 74640%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of The Ryukyus, Limited Gross Profit
Year Gross Profit Growth
2004 42.523.000.000
2005 49.288.000.000 13.73%
2006 36.190.000.000 -36.19%
2007 34.655.000.000 -4.43%
2008 33.811.000.000 -2.5%
2009 33.901.000.000 0.27%
2010 32.110.000.000 -5.58%
2011 32.676.000.000 1.73%
2012 33.195.000.000 1.56%
2013 34.290.000.000 3.19%
2014 49.330.000.000 30.49%
2015 53.559.000.000 7.9%
2016 54.721.000.000 2.12%
2017 55.834.000.000 1.99%
2018 55.226.000.000 -1.1%
2019 56.107.000.000 1.57%
2020 52.233.000.000 -7.42%
2021 51.445.000.000 -1.53%
2022 52.011.000.000 1.09%
2023 62.600.000.000 16.92%
2023 64.481.000.000 2.92%
2024 66.060.000.000 2.39%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of The Ryukyus, Limited Net Profit
Year Net Profit Growth
2004 6.063.000.000
2005 1.375.000.000 -340.95%
2006 5.824.000.000 76.39%
2007 1.345.000.000 -333.01%
2008 3.295.000.000 59.18%
2009 4.799.000.000 31.34%
2010 4.336.000.000 -10.68%
2011 2.390.000.000 -81.42%
2012 2.776.000.000 13.9%
2013 4.963.000.000 44.07%
2014 5.553.000.000 10.62%
2015 10.331.000.000 46.25%
2016 6.494.000.000 -59.09%
2017 8.785.000.000 26.08%
2018 6.105.000.000 -43.9%
2019 4.951.000.000 -23.31%
2020 2.579.000.000 -91.97%
2021 5.590.000.000 53.86%
2022 5.896.000.000 5.19%
2023 10.920.000.000 46.01%
2023 5.651.000.000 -93.24%
2024 8.116.000.000 30.37%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of The Ryukyus, Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 189
2005 27 -626.92%
2006 188 86.1%
2007 32 -484.38%
2008 82 60.49%
2009 120 31.93%
2010 110 -8.18%
2011 62 -80.33%
2012 72 15.28%
2013 131 44.62%
2014 146 10.96%
2015 271 46.13%
2016 171 -59.41%
2017 230 26.09%
2018 149 -54.36%
2019 115 -29.57%
2020 60 -91.67%
2021 131 54.2%
2022 139 5.76%
2023 0 0%
2023 136 100%
2024 196 30.77%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of The Ryukyus, Limited Free Cashflow
Year Free Cashflow Growth
2004 -64.570.000.000
2005 76.655.000.000 184.23%
2006 13.443.000.000 -470.22%
2007 -59.061.000.000 122.76%
2008 33.253.000.000 277.61%
2009 38.379.000.000 13.36%
2010 78.636.000.000 51.19%
2011 112.300.000.000 29.98%
2012 1.526.000.000 -7259.11%
2013 109.695.000.000 98.61%
2014 108.151.000.000 -1.43%
2015 -19.506.000.000 654.45%
2016 -52.794.000.000 63.05%
2017 -12.682.000.000 -316.29%
2018 -65.326.000.000 80.59%
2019 27.228.000.000 339.92%
2020 291.611.000.000 90.66%
2021 282.681.000.000 -3.16%
2022 -56.594.000.000 599.49%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of The Ryukyus, Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -63.642.000.000
2005 76.937.000.000 182.72%
2006 14.241.000.000 -440.25%
2007 -57.222.000.000 124.89%
2008 33.979.000.000 268.4%
2009 39.187.000.000 13.29%
2010 79.982.000.000 51.01%
2011 114.060.000.000 29.88%
2012 2.721.000.000 -4091.84%
2013 112.636.000.000 97.58%
2014 110.901.000.000 -1.56%
2015 -16.357.000.000 778%
2016 -49.329.000.000 66.84%
2017 -8.384.000.000 -488.37%
2018 -61.286.000.000 86.32%
2019 31.120.000.000 296.93%
2020 295.374.000.000 89.46%
2021 286.117.000.000 -3.24%
2022 -52.266.000.000 647.42%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of The Ryukyus, Limited Capital Expenditure
Year Capital Expenditure Growth
2004 928.000.000
2005 282.000.000 -229.08%
2006 798.000.000 64.66%
2007 1.839.000.000 56.61%
2008 726.000.000 -153.31%
2009 808.000.000 10.15%
2010 1.346.000.000 39.97%
2011 1.760.000.000 23.52%
2012 1.195.000.000 -47.28%
2013 2.941.000.000 59.37%
2014 2.750.000.000 -6.95%
2015 3.149.000.000 12.67%
2016 3.465.000.000 9.12%
2017 4.298.000.000 19.38%
2018 4.040.000.000 -6.39%
2019 3.892.000.000 -3.8%
2020 3.763.000.000 -3.43%
2021 3.436.000.000 -9.52%
2022 4.328.000.000 20.61%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of The Ryukyus, Limited Equity
Year Equity Growth
2004 98.378.000.000
2005 92.684.000.000 -6.14%
2006 78.811.000.000 -17.6%
2007 75.705.000.000 -4.1%
2008 80.380.000.000 5.82%
2009 87.820.000.000 8.47%
2010 84.902.000.000 -3.44%
2011 87.769.000.000 3.27%
2012 90.005.000.000 2.48%
2013 90.125.000.000 0.13%
2014 99.811.000.000 9.7%
2015 108.283.000.000 7.82%
2016 110.986.000.000 2.44%
2017 117.936.000.000 5.89%
2018 128.114.000.000 7.94%
2019 129.959.000.000 1.42%
2020 131.815.000.000 1.41%
2021 135.019.000.000 2.37%
2022 138.160.000.000 2.27%
2023 138.241.000.000 0.06%
2023 142.564.000.000 3.03%
2024 140.109.000.000 -1.75%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of The Ryukyus, Limited Assets
Year Assets Growth
2004 1.529.964.000.000
2005 1.500.202.000.000 -1.98%
2006 1.514.692.000.000 0.96%
2007 1.530.520.000.000 1.03%
2008 1.543.475.000.000 0.84%
2009 1.648.901.000.000 6.39%
2010 1.768.482.000.000 6.76%
2011 1.882.245.000.000 6.04%
2012 1.918.205.000.000 1.87%
2013 2.012.965.000.000 4.71%
2014 2.192.114.000.000 8.17%
2015 2.240.159.000.000 2.14%
2016 2.253.518.000.000 0.59%
2017 2.358.761.000.000 4.46%
2018 2.389.613.000.000 1.29%
2019 2.435.689.000.000 1.89%
2020 2.778.142.000.000 12.33%
2021 3.064.865.000.000 9.36%
2022 3.042.523.000.000 -0.73%
2023 3.008.190.000.000 -1.14%
2023 3.067.017.000.000 1.92%
2024 3.039.694.000.000 -0.9%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of The Ryukyus, Limited Liabilities
Year Liabilities Growth
2004 1.431.586.000.000
2005 1.407.518.000.000 -1.71%
2006 1.435.881.000.000 1.98%
2007 1.454.815.000.000 1.3%
2008 1.463.095.000.000 0.57%
2009 1.561.081.000.000 6.28%
2010 1.683.580.000.000 7.28%
2011 1.794.476.000.000 6.18%
2012 1.828.200.000.000 1.84%
2013 1.922.840.000.000 4.92%
2014 2.092.303.000.000 8.1%
2015 2.131.876.000.000 1.86%
2016 2.142.532.000.000 0.5%
2017 2.240.825.000.000 4.39%
2018 2.261.499.000.000 0.91%
2019 2.305.730.000.000 1.92%
2020 2.646.327.000.000 12.87%
2021 2.929.846.000.000 9.68%
2022 141.670.000.000 -1968.08%
2023 19.578.000.000 -623.62%
2023 2.924.446.000.000 99.33%
2024 2.899.577.000.000 -0.86%

Bank of The Ryukyus, Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1520.51
Net Income per Share
158.01
Price to Earning Ratio
6.3x
Price To Sales Ratio
0.65x
POCF Ratio
8.87
PFCF Ratio
8.85
Price to Book Ratio
0.29
EV to Sales
4.74
EV Over EBITDA
60.9
EV to Operating CashFlow
64.16
EV to FreeCashFlow
64.16
Earnings Yield
0.16
FreeCashFlow Yield
0.11
Market Cap
41,13 Bil.
Enterprise Value
298,22 Bil.
Graham Number
3468.01
Graham NetNet
-75697.21

Income Statement Metrics

Net Income per Share
158.01
Income Quality
0.82
ROE
0.05
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.68
EBT Per Ebit
1.07
Ebit per Revenue
0.14
Effective Tax Rate
0.32

Margins

Sales, General, & Administrative to Revenue
0.34
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.14
Pretax Profit Margin
0.15
Net Profit Margin
0.1

Dividends

Dividend Yield
0.04
Dividend Yield %
3.77
Payout Ratio
0
Dividend Per Share
37.5

Operating Metrics

Operating Cashflow per Share
112.23
Free CashFlow per Share
112.23
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-5.685,67
Book Value per Share
3.383,19
Tangible Book Value per Share
-61019.86
Shareholders Equity per Share
3382.99
Interest Debt per Share
563.68
Debt to Equity
0.15
Debt to Assets
0.01
Net Debt to EBITDA
52.5
Current Ratio
16.47
Tangible Asset Value
-2.527,18 Bil.
Net Current Asset Value
-2.652,14 Bil.
Invested Capital
2937895000000
Working Capital
232,42 Bil.
Intangibles to Total Assets
0.88
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.53

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of The Ryukyus, Limited Dividends
Year Dividends Growth
2001 35
2002 45 22.22%
2003 15 -200%
2004 40 62.5%
2005 40 0%
2007 10 -300%
2008 8 -25%
2009 8 0%
2010 16 50%
2011 37 56.76%
2012 30 -23.33%
2013 30 0%
2014 30 0%
2015 38 18.92%
2016 35 -5.71%
2017 35 0%
2018 25 -45.83%
2019 35 31.43%
2020 30 -16.67%
2021 30 0%
2022 35 14.29%
2023 36 2.78%
2024 38 2.7%
2025 0 0%

Bank of The Ryukyus, Limited Profile

About Bank of The Ryukyus, Limited

Bank of The Ryukyus, Limited provides various banking products and services in Japan. The company offers savings, time, and property deposits; loan products, including housing, apartment, car, education, card, and corporate loans; reverse mortgages; and insurance products, such as individual, annuity, whole life, medical, long-term, term life, fire, pet, and cancer insurance. It also engages in the provision of investment trust, bonds, and foreign currency deposits; corporate consulting services, which include and business succession, merger and acquisitions, capital policy, and organizational structure; and security brokerage business. In addition, the company provides debit card, ATM, online banking, safe deposit box, foreign currency exchange, and remittance services. Bank of The Ryukyus, Limited was incorporated in 1948 and is headquartered in Naha, Japan.

CEO
Mr. Ken Shimabukuro
Employee
1.772
Address
Naha Port Building
Naha, 900-0034

Bank of The Ryukyus, Limited Executives & BODs

Bank of The Ryukyus, Limited Executives & BODs
# Name Age
1 Michio Nakagawa
Managing Director
70
2 Mr. Yasushi Shiroma
General Manager of General Planning, Personnel & General Affairs Department
70
3 Mr. Ken Shimabukuro
President & Director
70
4 Mr. Kenji Chibana
MD & Director
70
5 Mr. Takeshi Kikuchi
Senior MD & Director
70
6 Mr. . Imamura
IR Contact
70

Bank of The Ryukyus, Limited Competitors