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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
High Gross Margin And Stable RevenueSustained gross margin above 91% and positive revenue growth indicate efficient core banking economics: interest spread and securities income cover operating costs. This durable margin buffer supports recurring profitability and resilience through modest top-line swings over the next 2–6 months.
Strong Free Cash Flow GenerationAn FCF/NetIncome near 1.0 with notable FCF growth means accounting earnings are largely translating into spendable cash. That persistent cash convertibility strengthens the bank's capacity to fund dividends, build reserves, and invest in operations without relying on volatile market funding.
Diversified Core Banking Revenue StreamsA business model combining deposit-funded lending, securities income and fee/commission services provides structural diversification. For a regional bank, steady deposit bases and SME fee opportunities reduce reliance on any single revenue source, improving earnings stability over time.
Bears Say
High LeverageA D/E near 3.1 reflects meaningful reliance on debt financing, raising sensitivity to rising funding costs and interest-rate moves. Elevated leverage limits capital flexibility, increases insolvency risk under stress, and constrains room for growth or large provisioning without external capital.
Weak Operating Cash ConversionOCF/NetIncome of 0.16 signals that reported profits are not yet translating into core operating cash. Persistent weak cash conversion can force reliance on securities sales or new funding for balance-sheet growth, and reduces the bank's buffer for loan loss provisioning and discretionary investment.
Modest Profitability And Weakening MarginsA sub-10% net margin and deteriorating operating margins limit retained earnings and shareholder returns. Persistently modest profitability weakens the bank's capacity to absorb credit shocks or invest in digital/branch upgrades, leaving it exposed to competitive and rate pressures over the medium 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 ¥656.00 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 ¥166.29B.
      When is Oita Bank Ltd’s upcoming earnings report date?
      Oita Bank Ltd’s upcoming earnings report date is May 12, 2026 which is tomorrow.
        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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