Jeju Bank제주은행

Jeju Bank's shares have fallen sharply over the past year, while its reported earnings have held up and it is preparing its earnings release.

Jeju Bank is a regional lender in Jeju with a focus on local retail, small business and corporate clients, and it is part of Shinhan Financial Group. The share price is ₩8,160, about 41.5% lower over one year and near its 52-week low of ₩8,000. Trailing twelve-month operating income is about ₩12.4B and net income about ₩14.8B as of H1 2026.

What stands out

• Trailing net income of ₩14.8B is above trailing operating income of ₩12.4B, so non-operating or other items appear to have helped the bottom line; the data does not break this down.
• Return on equity is about 2.4% and the price-to-book ratio is 0.5, which means the shares trade well below book value on the figures provided.
• Cash of ₩444.9B and borrowings of ₩429.6B are both large; the data does not explain what these balances represent for a bank.
• Recent filings include a preliminary consolidated earnings release on 26 October 2026 and several securities registrations, including write-down contingent convertible securities, which the data does not explain in detail.
• Recent headlines focus on a new monthly credit re-evaluation service that can lower loan rates for borrowers whose credit improves, plus a ₩7.5B credit guarantee partnership with Naver Pay.

What to watch

• The full consolidated earnings figures that follow the preliminary release, since revenue and margin data are not in the pack.
• Final terms and use of the write-down contingent convertible securities covered by the September 2026 filings.
• Foreign ownership, which rose from 0.7% to 1% over 60 days, while retail and institutional investors were net sellers over the last 20 days.