제주은행

006220KOSPI

54.3 / 100

Reference Date: 2026-09-08

Financial Score15.5 / 40

News Sentiment16.8 / 25

Momentum12.0 / 20

Disclosure10.0 / 15

AI Analysis: PBR is significantly undervalued vs. peers but the high debt ratio poses financial risk. Rose 8.8% over the past month, and news sentiment is positive.

Company InformationBased on 2025 Annual Report

Business Overview

Jeju Bank reported total deposits of 619.01 billion KRW and loans of 592.99 billion KRW as of December 2024, actively contributing to the local economy. It operates 25 branches and 30 business outlets across Jeju and other regions. In 2025, the bank plans to enhance digital strategies, strengthen financial competitiveness, drive organizational innovation, and reinforce risk management to achieve growth and stability.

Number of Employees

480people

Average Salary

82.1M KRW

Score Calculation Basis

Detailed Financial Score

PER

27.16Industry Average 15.001.5Point

1.8x industry avg (risky)

PBR

0.58Industry Average 1.207.0Point

Half of industry avg (excellent)

ROE

2.25Industry Average 8.001.0Point

Well below industry avg

Debt Ratio

1139.04Industry Average 100.000.0Point

11.4x industry avg (risky)

Trend 2023~20256.0 / 10 points

Revenue Growth Rate

2.0 / 3

Avg ▲6.5% (2-year basis)

Operating Profit Growth Rate

3.0 / 3

Avg ▲161.2% (2-year basis)

ROE Trend

1.0 / 4

Avg ROE 1.7% (improving, 3yr)

Detailed News Sentiment

34 totalPositive 17Neutral 10Negative 7Average Sentiment Score 67.1

Negative
가계대출 총량 넘긴 지방銀…전북銀 1.1조 초과
전북은행의 가계대출 급증으로 인해 연말 관리 부담이 증가하여 부정적 영향이 예상됩니다.
Neutral
“특정 금융기관에 유리”… 전남광주시 금고 평가 기준 놓고 광주銀...
The news discusses regulatory changes affecting regional banking competition but does not directly impact Jeju Bank's financial performance.
Positive
신용 7등급도 대출 승인…은행권 2.2조 '성장성 대출' 실험
제주은행을 포함한 주요 은행들이 새로운 신용평가 시스템을 도입하여 소상공인 대출 확대를 추진함으로써 성장 가능성이 높아짐.

Detailed Momentum

52-week position1.0Point

Near 52w low (19%, downtrend)

Current 10,010Won52-week high 17,19052-week low 8,250

1-month return5.0Point

1m +8.80% (rising)

Volume trend6.0Point

Volume surge

Detailed Disclosure

2 totalPositive 0Neutral 2Negative 0

Neutral일괄신고서2026-09-03
Neutral반기보고서 (2026.06)2026-08-14