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Oita Bank Ltd (JP:8392)
:8392
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Oita Bank (8392) Price & Analysis

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8392 Stock Chart & Stats

¥6980.00
¥15.00(0.49%)
At close: 4:00 PM EST
¥6980.00
¥15.00(0.49%)

Bulls Say, Bears Say

Bulls Say
Regional Franchise / Customer BaseOita Bank's focused regional franchise creates durable, sticky customer relationships with households, SMEs and local governments. That deposit and lending mix supports stable core NII, predictable loan demand and cross-sell opportunities, preserving revenue stability over months.
High Gross Margins And Steady RevenueA gross margin above 91% signals efficient interest spread and tight cost control on core activities. While top-line growth is modest, consistently strong margins underpin resilient profitability and cash generation, helping sustain operations and strategic initiatives over the medium term.
Strong Free Cash Flow GenerationFCF near parity with net income and strong FCF growth provide internal funds for dividends, reserves or selective investment without immediate reliance on new financing. High FCF enhances balance sheet flexibility and supports capital management through varied economic cycles.
Bears Say
Elevated LeverageA D/E of 3.11 points to substantial leverage for a regional bank, increasing sensitivity to rising funding costs and credit stress. High leverage can constrain capital buffers and regulatory headroom, limiting strategic moves and amplifying downside risk if interest rates or credit losses rise.
Weak Operating Cash ConversionOCF/NetIncome of 0.16 indicates earnings are not converting into cash efficiently, suggesting timing gaps, accruals or provisioning dynamics. Low conversion raises concerns about earnings quality and short-term liquidity, potentially forcing reliance on asset sales or external funding in stress.
Modest Profitability And ROESub-4% ROE and weakening operating margins signal limited ability to generate attractive shareholder returns or build capital internally. Persistent low profitability reduces reinvestment capacity, constrains dividend flexibility, and makes competing for talent or technology more difficult long term.

Oita Bank News

8392 FAQ

What was Oita Bank Ltd’s price range in the past 12 months?
Oita Bank Ltd lowest stock price was ¥639.00 and its highest was ¥2256.00 in the past 12 months.
    What is Oita Bank Ltd’s market cap?
    Oita Bank Ltd’s market cap is ¥172.38B.
      When is Oita Bank Ltd’s upcoming earnings report date?
      Oita Bank Ltd’s upcoming earnings report date is May 12, 2026 which is in 22 days.
        How were Oita Bank Ltd’s earnings last quarter?
        Oita Bank Ltd released its earnings results on Feb 09, 2026. The company reported ¥40.424 earnings per share for the quarter, beating the consensus estimate of N/A by ¥40.424.
          Is Oita Bank Ltd overvalued?
          According to Wall Street analysts Oita Bank Ltd’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Oita Bank Ltd pay dividends?
            Oita Bank Ltd pays a Semiannually dividend of ¥85 which represents an annual dividend yield of 2.26%. See more information on Oita Bank Ltd dividends here
              What is Oita Bank Ltd’s EPS estimate?
              Oita Bank Ltd’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Oita Bank Ltd have?
              Oita Bank Ltd has 78,468,170 shares outstanding.
                What happened to Oita Bank Ltd’s price movement after its last earnings report?
                Oita Bank Ltd reported an EPS of ¥40.424 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.805%.
                  Which hedge fund is a major shareholder of Oita Bank Ltd?
                  Currently, no hedge funds are holding shares in JP:8392
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Oita Bank Ltd

                    The Oita Bank, Ltd. provides various banking products and services to individual and corporate clients primarily in Oita Prefecture, Japan. It operates through Banking and Lease segments. The company engages in accepting deposits; providing loans; discounting bills; and buying and selling marketable securities and other financial instruments. It also offers leasing and credit card, financial instruments handling, and foreign exchange services. As of September 30, 2021, it operated through 93 branches and 33 money exchange offices. The Oita Bank, Ltd. was founded in 1893 and is headquartered in Oita, Japan.

                    Oita Bank (8392) Earnings & Revenues

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