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Ogaki Kyoritsu Bank, Ltd. (JP:8361)
:8361
Japanese Market
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Ogaki Kyoritsu Bank, Ltd. (8361) AI Stock Analysis

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JP:8361

Ogaki Kyoritsu Bank, Ltd.

(8361)

Rating:74Outperform
Price Target:
¥3,545.00
▲(12.90% Upside)
Ogaki Kyoritsu Bank's stock is rated positively due to its strong financial performance, particularly in revenue growth and profitability, alongside a favorable valuation with a low P/E ratio and solid dividend yield. The technical analysis supports a bullish outlook, although caution is advised as the RSI indicates the stock is nearing overbought levels.

Ogaki Kyoritsu Bank, Ltd. (8361) vs. iShares MSCI Japan ETF (EWJ)

Ogaki Kyoritsu Bank, Ltd. Business Overview & Revenue Model

Company DescriptionOgaki Kyoritsu Bank, Ltd. (8361) is a regional bank based in Ogaki City, Gifu Prefecture, Japan. The bank primarily operates in the financial services sector, offering a range of banking products and services including personal and corporate loans, deposits, asset management, and foreign exchange services. The bank serves individual customers, small and medium-sized enterprises (SMEs), and local businesses, with a commitment to fostering regional economic development.
How the Company Makes MoneyOgaki Kyoritsu Bank generates revenue primarily through interest income from loans and advances made to customers, which includes both personal and business loans. The bank collects interest on these loans, which forms a significant portion of its total earnings. Additionally, the bank earns fee income from various services such as account maintenance fees, transaction fees, and commissions from financial products like investment trusts and insurance. The bank also benefits from its investment portfolio, which includes government and corporate bonds. Furthermore, partnerships with local businesses and community initiatives enhance its customer base and contribute to its overall profitability by increasing the volume of transactions and services utilized by clients.

Ogaki Kyoritsu Bank, Ltd. Financial Statement Overview

Summary
Ogaki Kyoritsu Bank shows strong revenue growth and improved profitability, with a solid balance sheet characterized by moderate leverage. While cash flow generation is strong, there is room for improvement in operational cash flow efficiency. Overall, the bank is on a positive trajectory with opportunities for further financial optimization.
Income Statement
72
Positive
Ogaki Kyoritsu Bank has demonstrated strong revenue growth with a 35.17% increase in the latest year, indicating robust business expansion. The net profit margin improved significantly to 18.38%, showcasing enhanced profitability. However, the EBIT margin of 14.54% and EBITDA margin of 14.54% suggest room for operational efficiency improvements.
Balance Sheet
65
Positive
The bank's debt-to-equity ratio of 1.21 indicates moderate leverage, which is a positive trend compared to previous years. Return on equity stands at 4.62%, reflecting moderate profitability relative to shareholder equity. The equity ratio of 4.87% suggests a stable capital structure, though there is potential for improving asset utilization.
Cash Flow
58
Neutral
The free cash flow growth rate is notably high, indicating strong cash generation capabilities. However, the operating cash flow to net income ratio of 0.38 suggests that cash generation from operations could be improved. The free cash flow to net income ratio of 0.95 is healthy, reflecting efficient cash management.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue102.29B121.28B127.13B115.11B108.00B107.09B
Gross Profit92.27B121.28B119.49B112.65B106.98B108.23B
EBITDA11.64B11.64B17.08B11.84B20.85B16.54B
Net Income14.72B14.72B9.47B4.83B10.62B8.01B
Balance Sheet
Total Assets6.54T6.54T6.65T6.67T7.72T7.45T
Cash, Cash Equivalents and Short-Term Investments774.35B774.35B672.84B501.97B1.66T1.50T
Total Debt386.48B386.48B342.90B400.01B1.57T1.25T
Total Liabilities6.22T6.22T6.31T6.38T7.40T7.12T
Stockholders Equity318.52B318.52B338.70B288.07B309.72B317.80B
Cash Flow
Free Cash Flow0.0047.56B-12.19B-1.25T291.46B1.31T
Operating Cash Flow0.0049.87B-9.31B-1.24T295.31B1.32T
Investing Cash Flow0.0097.37B283.18B93.75B-112.63B-101.69B
Financing Cash Flow0.00-27.24B-2.96B-12.27B-3.35B-2.97B

Ogaki Kyoritsu Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3140.00
Price Trends
50DMA
2815.94
Positive
100DMA
2559.98
Positive
200DMA
2288.73
Positive
Market Momentum
MACD
98.98
Positive
RSI
64.71
Neutral
STOCH
53.21
Neutral
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 3140 is above the 20-day moving average (MA) of 3065.45, above the 50-day MA of 2815.94, and above the 200-day MA of 2288.73, indicating a bullish trend. The MACD of 98.98 indicates Positive momentum. The RSI at 64.71 is Neutral, neither overbought nor oversold. The STOCH value of 53.21 is Neutral, 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
¥127.91B9.46
2.98%5.74%10.39%
76
Outperform
¥146.50B12.92
2.39%6.37%-11.55%
74
Outperform
¥130.70B8.32
2.87%-7.59%76.05%
71
Outperform
¥140.34B10.14
2.20%-6.76%34.71%
70
Outperform
¥134.56B10.85
2.59%3.78%1.63%
69
Neutral
¥137.87B12.28
1.94%-4.66%144.51%
68
Neutral
$17.90B11.8610.29%3.72%9.74%1.66%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8361
Ogaki Kyoritsu Bank, Ltd.
3,140.00
1,232.68
64.63%
JP:7381
Hokkoku Financial Holdings,Inc.
6,170.00
1,363.53
28.37%
JP:8336
Musashino Bank, Ltd.
3,865.00
1,056.95
37.64%
JP:8386
Hyakujushi Bank, Ltd.
4,990.00
2,375.88
90.89%
JP:8388
Awa Bank, Ltd.
3,470.00
958.12
38.14%
JP:8544
Keiyo Bank, Ltd.
1,212.00
467.74
62.85%
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.Date of analysis: Aug 29, 2025