Ogaki Kyoritsu Bank, Ltd. (8361) AI Stock Analysis

• Market Cap: ¥234.35B
• Dividend Yield: 2.27%
• Average Volume (3M): 182.86K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 1.07
• Revenue Growth: 2.68%
• EPS Growth: 74.80%
• Country: JP
• Employees: 3,023
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 87.09
• Shares Outstanding: 41,831,898
• 10 Day Avg. Volume: 294,060
• 30 Day Avg. Volume: 182,856
• PEG Ratio: 0.12
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.80
• P/FCF Ratio: 2.08
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: ¥6,180.00 ▲(18.39% Upside)

The score is driven mainly by solid financial performance (strong revenue growth and improved profitability, offset by only moderate balance-sheet strength and weaker operating cash conversion). Valuation is supportive with a moderate P/E and a 2.03% dividend yield. Technicals remain in a strong uptrend, but overbought signals (RSI/Stoch) temper the score due to elevated pullback risk.

Positive Factors

Revenue Growth

Sustained 35% revenue growth reflects durable expansion of the bank's lending and fee businesses within its regional markets. Over the next 2–6 months this supports higher scale economics, stronger top‑line resilience and the ability to reinvest in products and local distribution.

Improved Profitability

A materially higher net margin (18.38%) indicates improved pricing, mix or cost control that can persist beyond transitory cycles. Higher margins bolster retained earnings, support dividend capacity and provide a cushion against credit or interest rate headwinds over the medium term.

Free Cash Flow Generation

High free cash flow relative to net income shows the bank converts reported profits into distributable cash, enabling dividends, capital expenditure and selective loan growth without immediate reliance on external funding. This strengthens long‑term financial flexibility.

Negative Factors

Operating Cash Conversion

Low operating cash conversion (0.38) signals earnings may be less cash‑backed, raising concerns about earnings quality and short‑term liquidity from core operations. Persistently weak conversion can limit the bank's ability to fund balance‑sheet growth and absorb shocks without raising costlier funds.

Low Equity Ratio

A sub‑5% equity ratio implies a thin capital buffer relative to assets typical for regional banks; this constrains loss absorption and regulatory headroom. Over months, limited equity can restrict lending expansion or require capital actions if credit costs rise or regulatory requirements tighten.

Modest ROE and Moderate Leverage

ROE near 4.6% points to modest capital efficiency versus peers, meaning the bank may need higher leverage or riskier assets to materially lift returns. Moderate leverage (D/E 1.21) limits upside from gearing and can pressure management to pursue higher‑risk activities to meet return targets.

Ogaki Kyoritsu Bank, Ltd. Business Overview & Revenue Model

Company Description

The Ogaki Kyoritsu Bank, Ltd., a regional financial institution, provides various banking products and services in Japan and internationally. The company also provides computing and software development services; research services on economy, industry, information processing technology, and culture; credit guarantee and investigation services; real estate collateral appraisal services; and credit card services; and bank agency services, as well as engages in the preparation, printing, receiving, and forwarding of documents. It is also involved in leasing and securities activities. It operates through 159 branches, including 155 domestic and 3 foreign branches. The company was incorporated in 1896 and is headquartered in Ogaki, Japan.

How the Company Makes Money

Ogaki Kyoritsu Bank generates revenue primarily through interest income from loans provided to individuals and businesses. This includes personal loans, mortgages, and corporate loans, which typically offer higher interest rates compared to other financial products. Additionally, the bank earns fee-based income through services such as account maintenance fees, transaction fees, and advisory services. Investment income from securities and financial instruments also contributes to its earnings. The bank may have partnerships with local businesses and government entities that enhance its service offerings and customer base, further supporting its revenue streams.

Ogaki Kyoritsu Bank, Ltd. Financial Statement Overview

Summary

Income statement is solid (score 72) on strong revenue growth (+35.17%) and improved net margin (18.38%), but balance sheet is only moderate (score 65) with modest ROE (4.62%) and a low equity ratio (4.87%). Cash flow is the weakest leg (score 58) due to low operating cash flow to net income (0.38) despite healthy free cash flow to net income (0.95).

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	102.09B	123.84B	127.13B	115.11B	108.00B	109.97B
Gross Profit	121.09B	113.99B	119.49B	109.45B	106.98B	108.23B
EBITDA	13.64B	23.84B	17.08B	11.84B	20.85B	16.54B
Net Income	15.70B	14.72B	9.47B	4.83B	10.62B	8.01B
Balance Sheet
Total Assets	6.59T	6.54T	6.65T	6.67T	7.72T	7.45T
Cash, Cash Equivalents and Short-Term Investments	0.00	774.35B	672.84B	501.97B	1.66T	1.50T
Total Debt	328.34B	386.48B	441.15B	400.01B	1.57T	1.25T
Total Liabilities	6.27T	6.22T	6.31T	6.38T	7.40T	7.12T
Stockholders Equity	327.41B	318.52B	338.70B	288.07B	309.72B	317.80B
Cash Flow
Free Cash Flow	0.00	47.56B	-12.19B	-1.25T	291.46B	1.31T
Operating Cash Flow	0.00	49.87B	-9.31B	-1.24T	295.31B	1.32T
Investing Cash Flow	0.00	97.37B	283.18B	93.75B	-112.63B	-101.69B
Financing Cash Flow	0.00	-27.24B	10.89B	-12.27B	-3.35B	-2.97B

Ogaki Kyoritsu Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5220.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 5220 is below the 20-day moving average (MA) of 5509.75, above the 50-day MA of 4849.10, and above the 200-day MA of 3371.28, indicating a bullish trend. The MACD of 261.53 indicates Positive momentum. The RSI at 63.15 is Neutral, neither overbought nor oversold. The STOCH value of 31.21 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8388	77 Outperform	¥201.26B	13.24	―	2.53%	7.67%	11.03%
8544	75 Outperform	¥214.71B	16.50	―	2.13%	7.77%	5.80%
8336	72 Outperform	¥182.01B	11.54	―	3.00%	10.56%	16.02%
8361	68 Neutral	¥234.35B	12.93	―	2.27%	2.68%	74.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8386	66 Neutral	¥234.84B	14.85	―	2.55%	-0.36%	41.38%
7381	64 Neutral	¥209.15B	14.49	―	2.38%	8.43%	38.21%

Ogaki Kyoritsu Bank, Ltd. Corporate Events

Ogaki Kyoritsu Bank Reports Strong Semi-Annual Financial Results

Ogaki Kyoritsu Bank reported strong financial results for the six months ending September 30, 2025, with significant increases in ordinary income, profit, and comprehensive income compared to the previous year. The bank’s improved financial performance reflects a robust market position and suggests positive implications for its stakeholders, with a notable increase in dividends and a revised earnings forecast.

The most recent analyst rating on (JP:8361) stock is a Buy with a Yen3977.00 price target. To see the full list of analyst forecasts on Ogaki Kyoritsu Bank, Ltd. stock, see the JP:8361 Stock Forecast page.

Ogaki Kyoritsu Bank Reports Significant Income Growth

Ogaki Kyoritsu Bank, Ltd. reported a significant increase in ordinary income for the second quarter of the fiscal year ending March 2026, compared to the same period in the previous fiscal year. The increase, attributed to higher interest on loans and dividends on securities, highlights the bank’s improved financial performance and suggests a positive outlook for stakeholders.

The most recent analyst rating on (JP:8361) stock is a Buy with a Yen3977.00 price target. To see the full list of analyst forecasts on Ogaki Kyoritsu Bank, Ltd. stock, see the JP:8361 Stock Forecast page.