Which companies are Bank Of The Ryukyus,Limited's closest peers?

The cockpit's peer set: West Coast Community Bancorp (WCCB), Coastal Financial (CCB), Midland States Bancorp (MSBI), Equitas Small Finance Bank (EQUITASBNK.NS), ACNB (ACNB), Oma Savings Bank (OMASP.HE), Banca IFIS (IF.MI), Procrea Holdings,Inc (7384.T).

How has Bank Of The Ryukyus,Limited stock performed?

Over six months to 6 Nov 2026 the shares returned -3.3% against +12.1% for the median peer; over one year +67.2%.

← CockpitCompetitor Analysis › 8399.T Bank Of The Ryukyus,LimitedOpen in the cockpit ↗

Bank Of The Ryukyus,Limited8399.TCompetitor analysis, valuation and peers

Japan · JPY·Financials›Regional Banks

Momentum laggard 17

Competitor Analysis ▸ Charts Open in the cockpit

Mkt cap

$655M

US dollars, full cap

Free float

83%

of shares outstanding

$/day

$3.95M

20-day average traded

P/B

0.68×

price to book

ROE

6.5%

delivered

Implied ROE

5.3%

what the price asks

Next earnings

5 days

11 Nov 2026

Close · JPY¥2,436

1D-7.1%

1W-15.1%

1M-26.3%

3M-17.0%

6M-3.3%

YTD+31.7%

1Y+67.2%

ATR %5.0%

52w lowhigh29.1% off high

What Bank Of The Ryukyus,Limited does

Employees: 1,802

Bank Of The Ryukyus,Limited at a glance

Size Bank Of The Ryukyus,Limited (8399.T) is a Japan Financials company (Regional Banks) with a market value of $655M, the 931st largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,436 on 6 Nov 2026.

Performance Over six months the shares fell 3.3%, against +12.1% for the median peer and +1.8% for the Japan market (cap-weighted) — 4th lowest of 20 in its peer set.

Growth Revenue grew 18.7% over the last twelve months (peer median +12.6%); the operating margin is 17.5% (peer median 34.9%).

Valuation It trades at 0.68× book value against a peer median of 1.19× (4th cheapest of 21).

Price implies The share price implies a return on equity of about 5.3%; Bank Of The Ryukyus,Limited delivers 6.5%, so the price asks less than the business earns today.

Next results Next results expected around 11 Nov 2026 (exchange calendar; dates can move).

Relative performance

Six months, rebased to 100: Bank Of The Ryukyus,Limited against the median of its 20 peers (local-currency closes).

Bank Of The Ryukyus,Limited financials

Reported figures in JPY; fiscal year ends 2026-03-31. TTM = trailing twelve months.
	TTM	FY2025	FY2024	FY2023	FY2022
Revenue	¥81.3B	¥79.0B	¥68.2B	¥63.3B	¥57.0B
Revenue growth	—	+16%	+8%	+11%	—
Net income	¥9.49B	¥9.08B	¥5.75B	¥5.65B	¥5.90B
Free cash flow	n/a	-¥264M	¥15.9B	-¥15.2B	-¥5.95B
Capital expenditure	n/a	¥8.59B	¥12.9B	¥14.0B	¥4.33B
Total debt	¥14.4B	¥18.0B	¥19.8B	¥47.4B	¥142B

Quarterly statements and history in the cockpit →

Bank Of The Ryukyus,Limited competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

Up and to the right = strong over both horizons. Bank Of The Ryukyus,Limited is the large dot.

Fundamentals: return on equity against price-to-book

A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Bank Of The Ryukyus,Limited is the large dot.

Capital: ROE delivered against the ROE the price implies

Above the diagonal = the price asks for a higher return on equity than the business earns today. Bank Of The Ryukyus,Limited is the large dot.

Bank Of The Ryukyus,Limited competitors and peer comparison

How Bank Of The Ryukyus,Limited compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Bank Of The Ryukyus,Limited against its 20 peers (data as of 6 Nov 2026)
Measure	8399.T	Peer median	Rank in peer set
1-month return	-26.3%	+0.6%	2nd lowest of 21
6-month return	-3.3%	+12.1%	4th lowest of 20
Return on equity	6.5%	10.8%	4th lowest of 21
Price / book	0.68×	1.19×	4th cheapest of 21
Trailing P/E	10.5×	12.1×	7th cheapest of 20
ROE the price implies	5.3%	9.7%	5th least demanding of 21
ROE delivered	6.5%	10.8%	4th lowest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
Company	Market	Market cap	6M return	Revenue growth	ROE	Price / book	Implied ROE	Delivered ROE
Bank Of The Ryukyus,Limited 8399.T	Japan	$655M	-3%	+19%	7%	0.68×	5.3%	6.5%
West Coast Community Bancorp WCCB	United States	$653M	n/a	+6%	15%	1.62×	9.1%	15.0%
Coastal Financial CCB	United States	$653M	-41%	+10%	-1%	1.37×	10.8%	-0.8%
Midland States Bancorp MSBI	United States	$660M	+12%	-21%	10%	1.57×	11.0%	10.2%
Equitas Small Finance Bank EQUITASBNK.NS	India	$662M	-25%	+15%	11%	0.95×	15.4%	11.4%
ACNB ACNB	United States	$667M	+22%	+15%	13%	1.58×	13.1%	13.4%
Oma Savings Bank OMASP.HE	Finland	$643M	+47%	-20%	7%	0.92×	5.0%	6.6%
Banca IFIS IF.MI	Italy	$673M	-53%	+68%	13%	0.30×	5.2%	13.0%
Procrea Holdings,Inc 7384.T	Japan	$638M	-2%	+25%	2%	0.59×	4.1%	2.4%
Carter Bankshares CARE	United States	$634M	+9%	+40%	28%	1.20×	8.8%	27.5%
Red River Bancshares RRBI	United States	$682M	+14%	+7%	13%	1.78×	10.0%	13.0%
Bar Harbor Bankshares BHB	United States	$688M	+17%	+16%	11%	1.28×	9.3%	10.7%
DCB Bank DCBBANK.NS	India	$688M	+8%	+10%	13%	0.94×	16.4%	13.0%
First Business Financial Services FBIZ	United States	$618M	+31%	+4%	15%	1.58×	11.2%	14.9%
California BanCorp BCAL	United States	$696M	+13%	-4%	10%	1.20×	7.5%	10.2%
Community West Bancshares CWBC	United States	$705M	+8%	+23%	7%	1.17×	10.1%	6.7%
Peoples Financial Services PFIS	United States	$723M	+22%	+4%	12%	1.37×	10.7%	11.7%
Mystate MYS.AX	Australia	$591M	+12%	+27%	8%	1.12×	10.2%	7.5%
Bank of Saga 8395.T	Japan	$589M	+10%	+16%	8%	0.72×	5.2%	8.2%
Akita Bank 8343.T	Japan	$731M	+107%	+29%	5%	0.61×	5.3%	5.0%
Civista Bancshares CIVB	United States	$587M	+13%	+5%	11%	1.06×	8.4%	10.9%

Questions

Which companies are Bank Of The Ryukyus,Limited's closest peers?: The cockpit's peer set: West Coast Community Bancorp (WCCB), Coastal Financial (CCB), Midland States Bancorp (MSBI), Equitas Small Finance Bank (EQUITASBNK.NS), ACNB (ACNB), Oma Savings Bank (OMASP.HE), Banca IFIS (IF.MI), Procrea Holdings,Inc (7384.T).
Is Bank Of The Ryukyus,Limited expensive compared with its peers?: On price / book it trades at 0.68× against a peer median of 1.19×, 4th cheapest of 21 in its peer set. The share price implies a return on equity of about 5.3%; Bank Of The Ryukyus,Limited delivers 6.5%, so the price asks less than the business earns today.
How has Bank Of The Ryukyus,Limited stock performed?: Over six months to 6 Nov 2026 the shares returned -3.3% against +12.1% for the median peer; over one year +67.2%.