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The historical rank and industry rank for Bank of The RyukyusLtd's ROE % or its related term are showing as below:
TSE:8399'
s ROE % Range Over the Past 10 Years
Min: 1.97 Med: 4.26 Max: 7.76
Current: 6.3
During the past 13 years, Bank of The RyukyusLtd's highest ROE % was 7.76%. The lowest was 1.97%. And the median was 4.26%.
TSE:8399's ROE % is ranked worse than 75.92% of 1528
companies
in the Banks industry
Industry Median: 10.225
vs TSE:8399: 6.30
Bank of The RyukyusLtd (TSE:8399) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Bank of The RyukyusLtd's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of The RyukyusLtd's ROE % distribution charts can be found below:
* The bar in red indicates where Bank of The RyukyusLtd's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Bank of The RyukyusLtd (TSE:8399) has a ROE % of 2.60% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of The RyukyusLtd and its competitors. This is 39% below median its historical median of 4.26. Over the past decade, Bank of The RyukyusLtd's ROE % has ranged from 1.97 to 7.76. According to the industry distribution chart, Bank of The RyukyusLtd ranks #1160 out of 1528 companies in the Banks industry, placing it in the top 75.9%.
Is Bank of The RyukyusLtd's ROE % too high?
Bank of The RyukyusLtd's current ROE % of 2.60% is 39% below median its 10-year median of 4.26. Over the past 10 years, this metric has ranged from a low of 1.97 to a high of 7.76. The Banks industry median ROE % is 10.23. Bank of The RyukyusLtd's value of 2.60% is 74.6% below this industry median. Based on the distribution chart, Bank of The RyukyusLtd ranks #1160 out of 1528 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Bank of The RyukyusLtd ranks #1160 out of 1528 companies for ROE %. This places Bank of The RyukyusLtd in the lower half of its industry. The industry median ROE % is 10.23. Bank of The RyukyusLtd's value of 2.60% is 74.6% below this benchmark. Historically, Bank of The RyukyusLtd's own ROE % has ranged from 1.97 to 7.76 over the past decade. While the company's 10-year median is 4.26 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of The RyukyusLtd's current ROE % of 2.60% is 74.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of The RyukyusLtd and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of The RyukyusLtd's current ROE % is 2.60%, which is 39% below median its own 10-year median of 4.26. 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 ROE % is 2.60%, which is 39% below median its 10-year median of 4.26 and 74.6% below the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Bank of The RyukyusLtd (TSE:8399), the current ROE % is 2.60% 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:
ROE %: 2.60% (39% below median its 10-year median of 4.26)
GF Value™: 円1,444.89 vs. price of 円2,739.00 (89.6% above fair value)
Industry Position: 74.6% below the Banks median (#1160 of 1528)
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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