Bank of The Ryukyus, Limited logo

Bank of The Ryukyus, Limited

8399.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥3,085

−¥70.00 · -2.22%

Aug 24, 1:15 PM JST

8399.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating 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 / TTM

Valuation & 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
Altman Z-score
0.2
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%73%36%0%Gross margin, FY2021: 99.66%Gross margin, FY2022: 98.17%Gross margin, FY2023: 96.56%Gross margin, FY2024: 96.76%Gross margin, FY2025: 92.69%Operating margin, FY2021: 15.72%Operating margin, FY2022: 15.91%Operating margin, FY2023: 14.28%Operating margin, FY2024: 13.14%Operating margin, FY2025: 16.42%Net margin, FY2021: 10.83%Net margin, FY2022: 11.13%Net margin, FY2023: 9.65%Net margin, FY2024: 9.17%Net margin, FY2025: 11.51%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.66%. Gross margin FY2022 98.17%. Gross margin FY2023 96.56%. Gross margin FY2024 96.76%. Gross margin FY2025 92.69%. Operating margin FY2021 15.72%. Operating margin FY2022 15.91%. Operating margin FY2023 14.28%. Operating margin FY2024 13.14%. Operating margin FY2025 16.42%. Net margin FY2021 10.83%. Net margin FY2022 11.13%. Net margin FY2023 9.65%. Net margin FY2024 9.17%. Net margin FY2025 11.51%.

Income trends

Revenue

78.89B JPY+25.74%

Operating income

12.95B JPY+57.10%

Net income

9.08B JPY+57.96%
Income trends across reported periods86.22B JPY56.9B JPY27.58B JPY−1.74B JPYRevenue, FY2021: 51.62B JPYRevenue, FY2022: 52.98B JPYRevenue, FY2023: 58.56B JPYRevenue, FY2024: 62.74B JPYRevenue, FY2025: 78.89B JPYOperating income, FY2021: 8.12B JPYOperating income, FY2022: 8.43B JPYOperating income, FY2023: 8.36B JPYOperating income, FY2024: 8.24B JPYOperating income, FY2025: 12.95B JPYNet income, FY2021: 5.59B JPYNet income, FY2022: 5.9B JPYNet income, FY2023: 5.65B JPYNet income, FY2024: 5.75B JPYNet income, FY2025: 9.08B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 51.62B JPY. Revenue FY2022 52.98B JPY. Revenue FY2023 58.56B JPY. Revenue FY2024 62.74B JPY. Revenue FY2025 78.89B JPY. Operating income FY2021 8.12B JPY. Operating income FY2022 8.43B JPY. Operating income FY2023 8.36B JPY. Operating income FY2024 8.24B JPY. Operating income FY2025 12.95B JPY. Net income FY2021 5.59B JPY. Net income FY2022 5.9B JPY. Net income FY2023 5.65B JPY. Net income FY2024 5.75B JPY. Net income FY2025 9.08B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue78.89B JPY62.74B JPY58.56B JPY52.98B JPY51.62B JPY
Cost of goods sold5.77B JPY2.03B JPY2.02B JPY970M JPY173M JPY
Gross profit73.12B JPY60.71B JPY56.55B JPY52.01B JPY51.45B JPY
Selling, general, and administrative28.74B JPY28.24B JPY26.67B JPY27.15B JPY
Operating expenses60.17B JPY52.46B JPY48.18B JPY43.58B JPY43.33B JPY
Interest income40.09B JPY31.35B JPY29.3B JPY28.25B JPY27.79B JPY
Interest expense5.86B JPY2.03B JPY2.02B JPY970M JPY173M JPY
Depreciation and amortization3.54B JPY3.24B JPY3.17B JPY2.99B JPY3B JPY
Operating income12.95B JPY8.24B JPY8.36B JPY8.43B JPY8.12B JPY
Net income9.08B JPY5.75B JPY5.65B JPY5.9B JPY5.59B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
72.71

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates77.2156.1335.0513.97Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 35.79, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 10, 2025: actual 37.78, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 16.44, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 13, 2025: actual 62.62, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 66.23, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 10, 2026: actual 69.48, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 23.17, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 14, 2026: actual 72.71, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates23.12B19.64B16.15B12.67BQ4 '24No estimateQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26BeatQ3 '26No estimate
Q4 2024, reported Nov 12, 2024: actual 16.79B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 10, 2025: actual 17.03B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 17.6B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 13, 2025: actual 19.47B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 19.79B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 10, 2026: actual 20.74B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 20.32B JPY, estimate 13.56B JPY, surprise +49.85%, Beat. Q3 2026, reported Aug 14, 2026: actual 22.23B JPY, estimate —, surprise —, Comparison unavailable.

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

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥49.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥49.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥61.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Sep 29, 2025

¥27.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 5, 2025

Dividend

Ex-dividend Mar 28, 2025

¥19.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 25, 2025

Dividend

Ex-dividend Sep 27, 2024

¥19.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 5, 2024

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