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Ogaki Kyoritsu Bank, Ltd.
(8361)
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Rating:67Neutral
Price Target:
¥8,734.00
▲(67.32% Upside)
Action:Downgraded
Date:08/17/26
The score is driven primarily by a strong 2026 profitability rebound and clear technical uptrend (price above key moving averages with positive momentum). The main offset is weak financial quality/consistency due to historically volatile operating and free cash flow, while valuation is neutral-to-middling with only a modest dividend yield.
Positive Factors
Strong 2026 Profitability
The sharp 2026 improvement indicates stronger earnings capacity and operating leverage. If maintained, higher profitability can strengthen internal capital generation and provide greater resilience against credit costs or changes in the interest-rate environment.
Negative Factors
Unstable Cash Generation
Large historical swings in operating and free cash flow weaken confidence in earnings quality and predictability. The recent recovery is encouraging, but the bank still lacks a demonstrated multi-year pattern of stable cash generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong 2026 Profitability
The sharp 2026 improvement indicates stronger earnings capacity and operating leverage. If maintained, higher profitability can strengthen internal capital generation and provide greater resilience against credit costs or changes in the interest-rate environment.
Read all positive factors
Ogaki Kyoritsu Bank, Ltd. (8361) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥330.65B
Dividend Yield1.34%
Average Volume (3M)182.86K
Price to Earnings (P/E)16.3
Beta (1Y)1.17
Revenue Growth39.26%
EPS Growth34.23%
CountryJP
Employees2,959
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)466.05
Shares Outstanding41,281,900
10 Day Avg. Volume294,060
30 Day Avg. Volume182,856
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)0.69
Price to Sales (P/S)1.85
P/FCF Ratio44.46
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)N/A
Revenue Forecast (FY)N/A
Ogaki Kyoritsu Bank, Ltd. Business Overview & Revenue Model
Company Description
Founded in 1896 and based in Ogaki, Japan, The Ogaki Kyoritsu Bank, Ltd. functions as a regional financial institution, offering a broad spectrum of banking solutions to customers within Japan and across international markets. Beyond its core bank...
How the Company Makes Money
Ogaki Kyoritsu Bank makes money primarily through a traditional commercial banking model. Its main revenue stream is interest income: it earns interest on loans and other interest-bearing assets (such as corporate and consumer loans and securities...
Ogaki Kyoritsu Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
43
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 136.65B | 87.62B | 87.91B | 80.55B | 75.44B |
| Gross Profit | 117.24B | 78.02B | 79.21B | 70.67B | 72.50B |
| EBITDA | 30.60B | 23.84B | 17.08B | 11.84B | 20.85B |
| Net Income | 19.38B | 14.72B | 9.47B | 4.83B | 10.62B |
Balance Sheet | |||||
| Total Assets | 6.74T | 6.54T | 6.65T | 6.67T | 7.72T |
| Cash, Cash Equivalents and Short-Term Investments | 839.44B | 774.35B | 672.84B | 501.97B | 1.66T |
| Total Debt | 371.33B | 386.48B | 441.15B | 493.60B | 2.76T |
| Total Liabilities | 6.37T | 6.22T | 6.31T | 6.38T | 7.40T |
| Stockholders Equity | 364.48B | 318.52B | 338.70B | 288.07B | 309.72B |
Cash Flow | |||||
| Free Cash Flow | 5.69B | 0.00 | -12.19B | -1.25T | 291.46B |
| Operating Cash Flow | 7.37B | 0.00 | -9.31B | -1.24T | 295.31B |
| Investing Cash Flow | -64.66B | 97.37B | 283.18B | 93.75B | -112.63B |
| Financing Cash Flow | 119.16B | -27.24B | 10.89B | -12.27B | -3.35B |
Ogaki Kyoritsu Bank, Ltd. Technical Analysis
Positive
5220.00
Price Trends
7558.40
Positive
7258.14
Positive
6132.87
Positive
Market Momentum
75.95
Negative
59.76
Neutral
89.97
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8361, the sentiment is Positive. The current price of 5220 is below the 20-day moving average (MA) of 7627.50, below the 50-day MA of 7558.40, and below the 200-day MA of 6132.87, indicating a bullish trend. The MACD of 75.95 indicates Negative momentum. The RSI at 59.76 is Neutral, neither overbought nor oversold. The STOCH value of 89.97 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8361.
Ogaki Kyoritsu Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥277.23B | 17.57 | ― | 3.00% | 30.51% | 18.50% | |
69 Neutral | ¥351.73B | 17.77 | ― | 2.55% | 22.23% | 45.07% | |
67 Neutral | ¥330.65B | 16.31 | ― | 2.27% | 39.26% | 34.23% | |
66 Neutral | ¥324.65B | 14.32 | 8.89% | 3.81% | 19.56% | 13.61% | |
66 Neutral | ¥323.05B | 19.04 | ― | 2.13% | 19.41% | 60.52% | |
57 Neutral | ¥319.60B | 17.22 | ― | 3.46% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8361
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Ogaki Kyoritsu Bank, Ltd. Corporate Events
Ogaki Kyoritsu Bank Delivers Strong Q1 Earnings, Confirms Guidance and Dividend Outlook
Aug 7, 2026
The Ogaki Kyoritsu Bank reported strong results for the quarter ended June 30, 2026, with ordinary income rising 24.8% year on year to ¥42.7 billion and profit attributable to owners of parent climbing 38.7% to ¥5.7 billion, driving comp...
Ogaki Kyoritsu Bank Sets Terms for Executive Stock Compensation Options
Jul 28, 2026
The Ogaki Kyoritsu Bank has finalized the terms of a stock compensation-type stock option program for its internal directors and executive officers, following a prior board resolution. The plan allocates 509 share acquisition rights, corresponding...
Ogaki Kyoritsu Bank Issues Long-Term Stock Options for Executives
Jun 23, 2026
Ogaki Kyoritsu Bank has approved the issuance of its 18th series of share acquisition rights as stock-linked compensation for internal directors and executive officers, excluding outside directors. The program is designed to align management remun...
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.