Okinawa Financial Group, Inc. (JP:7350)
:7350
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Okinawa Financial Group, Inc.
(7350)
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Rating:72Outperform
Price Target:
¥6,560.00
▲(37.67% Upside)
Action:Reiterated
Date:05/16/26
The score is driven by attractive valuation (low P/E plus dividend yield) and strong technical trend/momentum (price above key moving averages with positive MACD). These positives are moderated by uneven underlying cash-flow consistency, despite improving earnings and a healthier leverage profile.
Positive Factors
Revenue & Net Income Growth
Sustained revenue and net income expansion into 2026 indicates stronger underlying lending and fee activity rather than a one-off move. Persistent top-line growth increases internal capital generation, supports reinvestment in products and branches, and improves the bank’s ability to fund strategic initiatives over the medium term.
Negative Factors
Volatile Cash Generation
Large year-to-year swings in operating and free cash flow reduce confidence in the bank’s ability to self-fund growth, dividends, or capital needs. Persistent volatility forces reliance on external funding or capital buffers, complicates capital allocation, and raises execution risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Net Income Growth
Sustained revenue and net income expansion into 2026 indicates stronger underlying lending and fee activity rather than a one-off move. Persistent top-line growth increases internal capital generation, supports reinvestment in products and branches, and improves the bank’s ability to fund strategic initiatives over the medium term.
Read all positive factors
Okinawa Financial Group, Inc. (7350) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥131.26B
Dividend Yield2.71%
Average Volume (3M)63.01K
Price to Earnings (P/E)9.9
Beta (1Y)1.19
Revenue Growth21.01%
EPS Growth42.25%
CountryJP
Employees1,537
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)412.38
Shares Outstanding23,016,563
10 Day Avg. Volume61,580
30 Day Avg. Volume63,013
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.69
Price to Sales (P/S)1.60
P/FCF Ratio15.53
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)562.2
Revenue Forecast (FY)¥74.00B
Okinawa Financial Group, Inc. Business Overview & Revenue Model
Company Description
Okinawa Financial Group,Inc. provides various financial services. The company offers banking, general leasing, credit card, securities, guarantee, agency, and debt management and collection services. It also provides financial and economic survey ...
How the Company Makes Money
The group makes money primarily through banking operations conducted by its core subsidiary(ies). Key revenue streams include: (1) Net interest income: interest earned on loans and other interest-bearing assets (such as securities) minus interest ...
Okinawa Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
42
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 57.53B | 69.72B | 55.98B | 50.97B | 49.31B | 46.71B |
| Gross Profit | 57.20B | 63.18B | 53.62B | 49.77B | 48.89B | 46.42B |
| EBITDA | 10.48B | 18.44B | 14.13B | 11.12B | 10.56B | 10.09B |
| Net Income | 8.80B | 11.29B | 7.94B | 6.26B | 5.83B | 5.01B |
Balance Sheet | ||||||
| Total Assets | 3.02T | 2.94T | 2.98T | 2.93T | 2.88T | 2.86T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 201.70B | 349.39B | 439.56B | 510.74B | 590.65B |
| Total Debt | 98.58B | 96.26B | 99.84B | 94.55B | 161.03B | 222.29B |
| Total Liabilities | 2.87T | 2.77T | 2.83T | 2.78T | 2.72T | 2.70T |
| Stockholders Equity | 156.96B | 162.30B | 153.51B | 156.92B | 153.66B | 159.39B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.20B | 10.18B | -44.16B | -52.34B | 183.86B |
| Operating Cash Flow | 0.00 | 8.53B | 11.30B | -42.59B | -50.07B | 188.08B |
| Investing Cash Flow | 0.00 | -104.31B | -106.59B | -25.08B | -28.55B | -48.79B |
| Financing Cash Flow | 0.00 | -54.02B | -1.93B | -5.26B | -2.76B | -4.10B |
Okinawa Financial Group, Inc. Technical Analysis
Positive
4765.00
Price Trends
5625.43
Positive
5441.18
Positive
4626.91
Positive
Market Momentum
161.54
Negative
61.84
Neutral
74.45
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7350, the sentiment is Positive. The current price of 4765 is below the 20-day moving average (MA) of 5802.50, below the 50-day MA of 5625.43, and above the 200-day MA of 4626.91, indicating a bullish trend. The MACD of 161.54 indicates Negative momentum. The RSI at 61.84 is Neutral, neither overbought nor oversold. The STOCH value of 74.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7350.
Okinawa Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥131.26B | 9.90 | ― | 2.71% | 21.01% | 42.25% | |
72 Outperform | ¥194.84B | 13.06 | ― | 2.23% | 31.23% | 66.11% | |
70 Outperform | ¥176.12B | 13.36 | 3.68% | 2.26% | 23.47% | 44.30% | |
69 Neutral | ¥135.55B | 62.06 | ― | 0.58% | 24.02% | 5.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥174.83B | 10.12 | ― | 2.29% | 9.41% | 45.91% | |
64 Neutral | ¥110.42B | 23.87 | ― | 2.46% | 16.88% | 59.34% |
* Financial Sector Average
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Okinawa Financial Group, Inc. Corporate Events
Okinawa Financial Group Hikes Profit Targets and Boosts Dividends Under Medium-Term Plan
May 15, 2026
Okinawa Financial Group has raised its final-year targets under its second medium-term business plan for the year ending March 2027, reflecting stronger deposit balances, higher fees and commissions at the Bank of Okinawa, and market interest rate...
Okinawa Financial Group Lifts Earnings, Boosts Dividend and Guides for Further Growth
May 15, 2026
Okinawa Financial Group reported strong results for the fiscal year ended March 31, 2026, with ordinary income rising 19.8% to ¥70.4 billion and profit attributable to owners of the parent surging 42.2% to ¥11.3 billion, lifting ROE to 7...
Okinawa Financial Group to Reappoint Outside Director Ahead of June Shareholders’ Meeting
May 1, 2026
Okinawa Financial Group has updated its previously announced board changes, stating that it has tentatively decided to reappoint Outside Director Takako Yamashiro for another term. Her formal reappointment is scheduled to be decided at the Annual ...
Okinawa Financial Group Reports Large Unrealized Bond Losses but Keeps Forecasts Unchanged
Apr 23, 2026
Okinawa Financial Group has disclosed that its consolidated subsidiary, The Bank of Okinawa, recorded unrealized losses of ¥9,410 million on held-to-maturity bonds as of March 31, 2026, against a book value of ¥42,780 million and a marke...
Okinawa Financial Group Reshapes Leadership at Holding Company and Bank Subsidiary
Mar 6, 2026
Okinawa Financial Group has announced board-level leadership changes at both the holding company and its core subsidiary, The Bank of Okinawa, driven largely by the scheduled expiration of directors’ terms and planned resignations. At the gr...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.