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Bank of The RyukyusLtdTSE:8399 -0.58%49 Net Margin % is 5.81% as of Mar. 2026, which is 47% below its 10-year median of 10.96. GuruFocus rates TSE:8399 with a GF Score™ of 49/100 and a GF Value™ of 円1,444.89 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, Bank of The RyukyusLtd ranks worse than 83.59% on this metric.
The historical rank and industry rank for Bank of The RyukyusLtd's Net Margin % or its related term are showing as below:
TSE:8399'
s Net Margin % Range Over the Past 10 Years
Min: 4.94 Med: 10.96 Max: 15.93
Current: 13.49
TSE:8399's Net Margin % is ranked worse than 83.59% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs TSE:8399: 13.49
Bank of The RyukyusLtd (TSE:8399) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bank of The RyukyusLtd Net Margin % Related Terms
Bank of The RyukyusLtd Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of The RyukyusLtd Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank of The RyukyusLtd's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of The RyukyusLtd Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of The RyukyusLtd's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank of The RyukyusLtd's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of The RyukyusLtd (TSE:8399) has a Net Margin % of 5.81% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank of The RyukyusLtd and its competitors. This is 47% below median its historical median of 10.96. Over the past decade, Bank of The RyukyusLtd's Net Margin % has ranged from 4.94 to 15.93. According to the industry distribution chart, Bank of The RyukyusLtd ranks #1279 out of 1530 companies in the Banks industry, placing it in the top 83.6%.
Is Bank of The RyukyusLtd's Net Margin % too high?
Bank of The RyukyusLtd's current Net Margin % of 5.81% is 47% below median its 10-year median of 10.96. Over the past 10 years, this metric has ranged from a low of 4.94 to a high of 15.93. The Banks industry median Net Margin % is 26.85. Bank of The RyukyusLtd's value of 5.81% is 78.4% below this industry median. Based on the distribution chart, Bank of The RyukyusLtd ranks #1279 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of The RyukyusLtd has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of The RyukyusLtd's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of The RyukyusLtd ranks #1279 out of 1530 companies for Net Margin %. This places Bank of The RyukyusLtd in the lower half of its industry. The industry median Net Margin % is 26.85. Bank of The RyukyusLtd's value of 5.81% is 78.4% below this benchmark. Historically, Bank of The RyukyusLtd's own Net Margin % has ranged from 4.94 to 15.93 over the past decade. While the company's 10-year median is 10.96 vs. the industry median of 26.85, Bank of The RyukyusLtd has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of The RyukyusLtd's current Net Margin % of 5.81% is 78.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank of The RyukyusLtd and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of The RyukyusLtd's current Net Margin % is 5.81%, which is 47% below median its own 10-year median of 10.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of The RyukyusLtd stock overvalued right now?
Based on GuruFocus' analysis, Bank of The RyukyusLtd (TSE:8399) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,444.89, compared to a current price of 円2,739.00 — trading 89.6% above its estimated fair value. The current Net Margin % is 5.81%, which is 47% below median its 10-year median of 10.96 and 78.4% below the Banks industry median of 26.85. Bank of The RyukyusLtd's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank of The RyukyusLtd (TSE:8399), the current Net Margin % is 5.81% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of The RyukyusLtd (TSE:8399) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of The RyukyusLtd stock appears to be overvalued.
The current stock price of 円2,739.00 is trading 89.6% above its estimated GF Value™ of 円1,444.89.
GuruFocus considers Bank of The RyukyusLtd to be Significantly Overvalued.
Key valuation signals for TSE:8399:
Net Margin %: 5.81% (47% below median its 10-year median of 10.96)
GF Value™: 円1,444.89 vs. price of 円2,739.00 (89.6% above fair value)
Industry Position: 78.4% below the Banks median (#1279 of 1530)
No single metric tells the full story. See the TSE:8399 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of The RyukyusLtd is a banking and financial services group operating primarily in the Okinawa Prefecture. It was founded during the post-World War II era by ordinance of the U.S. military government for purposes of restoring financial order and stabilizing the currency given the region's importance. At present, it continues its regional strategic-orientation and provides a host of financial services to consumers and small to medium-size businesses in tourism-dependent Okinawa. These include general leasing, housing loans, debt guaranty, insurance, cash inspection and dispensing, credit cards and financing, clerical services, and surveys and research.
49GF Score
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