
Bank of The Ryukyus, Limited
8399.TJPXFinancial ServicesBanks - Regional
Latest quote
¥3,085
−¥70.00 · -2.22%
8399.T company overview
Regular session · JST · Market data may be delayed.
Company profile
Company websiteOperating across Japan, The Bank of The Ryukyus, Limited delivers a comprehensive suite of financial and banking solutions. Its offerings include a variety of deposit accounts, such as savings, fixed-term, and property deposits. The institution provides extensive lending products, featuring residential mortgages, apartment financing, auto loans, education loans, credit card facilities, and corporate lending, as well as reverse mortgages. Furthermore, it offers a wide array of insurance coverage, spanning personal, annuity, whole life, medical, long-term care, term life, fire, pet, and cancer policies. Clients can also access investment opportunities through investment trusts, bond offerings, and foreign currency deposit accounts. The bank extends its expertise to corporate advisory, assisting with business succession planning, mergers and acquisitions, capital strategy, and organizational structuring, alongside operating a securities brokerage division. Practical services like debit cards, ATM access, online banking, safe deposit boxes, foreign currency exchange, and remittance services are also provided. The Bank of The Ryukyus, Limited was founded in 1948 and is headquartered in Naha, Japan.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- JP
- CEO
- Yasushi Kawakami
- Listed since
- Jan 1, 2001
- Employees
- 1,802
Market position
Day range
Current ¥3,085
52-week range
Current ¥3,085
- Open
- ¥3,185
- Previous close
- ¥3,155
- Volume
- 63.5K
- 0.41× average
- Average volume
- 153.34K
- Average daily volume
- Market cap
- 126.5B JPY
- Beta
- 0.3
- Market reference 1
- 50-day average
- ¥2,833.62
- +8.87% above average
- 200-day average
- ¥2,351.82
- +31.18% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- -55.04B JPY
- P/E (TTM)
- 13.32×
- P/B (TTM)
- 0.86×
- P/S (TTM)
- 1.54×
- EV / EBITDA
- -3.34×
- Earnings yield
- 10.01%
- Free cash flow yield
- -2.46%
- Dividend yield
- 2.85%
Profitability & efficiency
- Gross margin
- 91.67%
- Operating margin
- 16.44%
- Net margin
- 11.56%
- Return on equity
- 6.24%
- Return on assets
- 0.29%
- Return on invested capital
- 0.29%
Financial health
- Debt / equity
- 0.1×
- Current ratio
- 0×
- Altman Z-score
- 0.2
- Piotroski F-score
- 5 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (JPY) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 78.89B JPY | 62.74B JPY | 58.56B JPY | 52.98B JPY | 51.62B JPY |
| Cost of goods sold | 5.77B JPY | 2.03B JPY | 2.02B JPY | 970M JPY | 173M JPY |
| Gross profit | 73.12B JPY | 60.71B JPY | 56.55B JPY | 52.01B JPY | 51.45B JPY |
| Selling, general, and administrative | — | 28.74B JPY | 28.24B JPY | 26.67B JPY | 27.15B JPY |
| Operating expenses | 60.17B JPY | 52.46B JPY | 48.18B JPY | 43.58B JPY | 43.33B JPY |
| Interest income | 40.09B JPY | 31.35B JPY | 29.3B JPY | 28.25B JPY | 27.79B JPY |
| Interest expense | 5.86B JPY | 2.03B JPY | 2.02B JPY | 970M JPY | 173M JPY |
| Depreciation and amortization | 3.54B JPY | 3.24B JPY | 3.17B JPY | 2.99B JPY | 3B JPY |
| Operating income | 12.95B JPY | 8.24B JPY | 8.36B JPY | 8.43B JPY | 8.12B JPY |
| Net income | 9.08B JPY | 5.75B JPY | 5.65B JPY | 5.9B JPY | 5.59B JPY |
Company facts updated Aug 24, 2026.
Earnings
- Latest EPS result
- 72.71
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Corporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
¥46.00
2025 complete year+53.3% since 2021
2026 partial: ¥61.00
¥30.00
2,021
¥35.00
2,022
¥36.00
2,023
¥37.50
2,024
¥46.00
2,025
¥61.00
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
DividendUpcoming | Sep 29, 2026 | ¥49.00Semi-Annual | Sep 30, 2026 | Sep 29, 2026 |
DividendUpcoming | Mar 30, 2027 | ¥49.00Semi-Annual | Mar 31, 2027 | Mar 30, 2027 |
Dividend | Mar 30, 2026 | ¥61.00Semi-Annual | Mar 31, 2026 | Jun 25, 2026 |
Dividend | Sep 29, 2025 | ¥27.00Semi-Annual | Sep 30, 2025 | Dec 5, 2025 |
Dividend | Mar 28, 2025 | ¥19.00Semi-Annual | Mar 31, 2025 | Jun 25, 2025 |
Dividend | Sep 27, 2024 | ¥19.00Semi-Annual | Sep 30, 2024 | Dec 5, 2024 |
Ex-dividend Sep 29, 2026
¥49.00
Semi-Annual
Record Sep 30, 2026 · Payment Sep 29, 2026
Ex-dividend Mar 30, 2027
¥49.00
Semi-Annual
Record Mar 31, 2027 · Payment Mar 30, 2027
Ex-dividend Mar 30, 2026
¥61.00
Semi-Annual
Record Mar 31, 2026 · Payment Jun 25, 2026
Ex-dividend Sep 29, 2025
¥27.00
Semi-Annual
Record Sep 30, 2025 · Payment Dec 5, 2025
Ex-dividend Mar 28, 2025
¥19.00
Semi-Annual
Record Mar 31, 2025 · Payment Jun 25, 2025
Ex-dividend Sep 27, 2024
¥19.00
Semi-Annual
Record Sep 30, 2024 · Payment Dec 5, 2024
8399.T peers
ETFs holding 8399.T
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core TOPIX ETF1475.T336.01M0.01%2.89T JPY0.05%¥418.1+0.02%
Avantis International Small Cap Value ETFAVDV15.79M0.08%20.24B USD0.36%$111.95+1.06%
Vanguard Total International Stock ETFVXUS10.04M0.00%646.2B USD0.05%$87.71+0.78%
Vanguard FTSE Developed Markets ETFVEA6.5M0.00%315B USD0.03%$73.42+0.80%
Dimensional - International Small Cap Value ETFDISV4.52M0.09%5.23B USD0.42%$44.49+0.86%
Vanguard FTSE All-World ex-US Small-Cap ETFVSS2.58M0.02%13.6B USD0.06%$160.06+0.43%
Dimensional - International Small Cap ETFDFIS1.74M0.03%5.91B USD0.39%$37.545+0.71%
Schwab International Small-Cap Equity ETFSCHC1.51M0.03%5.73B USD0.06%$51.25+0.61%
iShares Core TOPIX ETF1475.T- Market value
- 336.01M
- Weight
- 0.01%
- AUM
- 2.89T JPY
- Expense ratio
- 0.05%
- Price / 1D
- ¥418.1+0.02%
Avantis International Small Cap Value ETFAVDV- Market value
- 15.79M
- Weight
- 0.08%
- AUM
- 20.24B USD
- Expense ratio
- 0.36%
- Price / 1D
- $111.95+1.06%
Vanguard Total International Stock ETFVXUS- Market value
- 10.04M
- Weight
- 0.00%
- AUM
- 646.2B USD
- Expense ratio
- 0.05%
- Price / 1D
- $87.71+0.78%
Vanguard FTSE Developed Markets ETFVEA- Market value
- 6.5M
- Weight
- 0.00%
- AUM
- 315B USD
- Expense ratio
- 0.03%
- Price / 1D
- $73.42+0.80%
Dimensional - International Small Cap Value ETFDISV- Market value
- 4.52M
- Weight
- 0.09%
- AUM
- 5.23B USD
- Expense ratio
- 0.42%
- Price / 1D
- $44.49+0.86%
Vanguard FTSE All-World ex-US Small-Cap ETFVSS- Market value
- 2.58M
- Weight
- 0.02%
- AUM
- 13.6B USD
- Expense ratio
- 0.06%
- Price / 1D
- $160.06+0.43%
Dimensional - International Small Cap ETFDFIS- Market value
- 1.74M
- Weight
- 0.03%
- AUM
- 5.91B USD
- Expense ratio
- 0.39%
- Price / 1D
- $37.545+0.71%
Schwab International Small-Cap Equity ETFSCHC- Market value
- 1.51M
- Weight
- 0.03%
- AUM
- 5.73B USD
- Expense ratio
- 0.06%
- Price / 1D
- $51.25+0.61%
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