Bank of The Ryukyus,Limited

8399 TSE Financials Banks
TSE Prime
¥3,220.00
-0.16%
Delayed · cached 15 min

Fair value analysis

8399
Bank of The Ryukyus,Limited
FinancialsBanks
¥3,220.00
Close used for this calculation
¥5,158.87Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
48/100
Profitability13/25
Returns6/25
Balance Sheet11/25
Efficiency18/25
Growth17/25
Average
Quality radar
48Prof.13/25Ret.6/25Eff.18/25B.Sht11/25Growth17/25

Consensus fair value

¥5,158.87
Below FV
▲ +60.2% against the close used
Model range ¥318.46 – ¥7,025.59
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear¥318.46Fair value¥5,158.87Bull¥7,025.59
FairClose
52-week traded range
52W low ¥1,387.0052W high ¥3,370.00

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Bank of The Ryukyus,Limited closed at ¥3,220.00, 37.6% below the consensus fair value of ¥5,158.87 drawn from 8 valuation models.

Financial DNA score 48/100 — Average. P/E of 14.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
¥7,025.59
+118.2%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥4,199.38
+30.4%
√(22.5 × EPS × BVPS)
EPS=221.5, BVPS=3538.46
P/E Fair Value
¥4,430.00
+37.6%
EPS × 20x (sector P/E)
EPS=221.5, Sector P/E=20x
Peter Lynch (PEG)
¥2,859.57
-11.2%
EPS × Growth% (PEG = 1 is fair)
EPS=221.5, g=12.9%
Dividend Discount (DDM)
¥4,746.92
+47.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=87.91, r=10%, g=8%
Book Value (P/B)
¥318.46
-90.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=3538.46, ROE=6.4%, g=6%, r=10%
Reverse DCF
¥3,220.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 2.8% | Historical: 12.9%
Margin of Safety
¥3,913.74
+21.5%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=5218.32, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.