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

• Market Cap: ¥140.48B
• Dividend Yield: 2.58%
• Average Volume (3M): 114.51K
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.95
• Revenue Growth: -7.59%
• EPS Growth: 76.05%
• Country: JP
• Employees: 3,023
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 98.99
• Shares Outstanding: 41,831,898
• 10 Day Avg. Volume: 103,390
• 30 Day Avg. Volume: 114,513
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ¥3,545.00
• Price Target Upside: 1.72% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: ¥3,545.00 ▲(1.72% 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. Business Overview & Revenue Model

Company Description

Ogaki 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 Money

Ogaki 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

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	102.29B	121.28B	127.13B	115.11B	108.00B	107.09B
Gross Profit	92.27B	121.28B	119.49B	112.65B	106.98B	108.23B
EBITDA	11.64B	11.64B	17.08B	11.84B	20.85B	16.54B
Net Income	14.72B	14.72B	9.47B	4.83B	10.62B	8.01B
Balance Sheet
Total Assets	6.54T	6.54T	6.65T	6.67T	7.72T	7.45T
Cash, Cash Equivalents and Short-Term Investments	774.35B	774.35B	672.84B	501.97B	1.66T	1.50T
Total Debt	386.48B	386.48B	342.90B	400.01B	1.57T	1.25T
Total Liabilities	6.22T	6.22T	6.31T	6.38T	7.40T	7.12T
Stockholders Equity	318.52B	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	-2.96B	-12.27B	-3.35B	-2.97B

Ogaki Kyoritsu Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3485.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 3485 is above the 20-day moving average (MA) of 3255.00, above the 50-day MA of 3078.76, and above the 200-day MA of 2417.73, indicating a bullish trend. The MACD of 96.72 indicates Negative momentum. The RSI at 78.78 is Negative, neither overbought nor oversold. The STOCH value of 94.21 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8336	78 Outperform	135.35B	9.77	4.91%	2.81%	5.74%	10.39%
8544	76 Outperform	155.08B	13.29	4.20%	2.26%	6.37%	-11.55%
8361	74 Outperform	¥140.48B	8.95	―	2.58%	-7.59%	76.05%
8386	71 Outperform	146.81B	10.22	4.17%	2.11%	-6.76%	34.71%
8388	70 Outperform	142.32B	11.20	―	2.45%	3.78%	1.63%
7381	69 Neutral	149.93B	12.76	3.83%	1.79%	-4.66%	144.51%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%