Ogaki Kyoritsu Bank, Ltd. (JP:8361)
:8361
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Ogaki Kyoritsu Bank, Ltd.
(8361)
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Rating:68Neutral
Price Target:
¥6,987.00
▲(33.85% Upside)
Action:DowngradedDate:01/15/26
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 & Margin Expansion
Sustained 35% revenue growth alongside an 18.4% net margin indicates the core lending and fee businesses are scaling profitably. Over a multi-month horizon this enhances internal funding capacity, strengthens earnings resilience versus cyclical shocks, and supports reinvestment and customer lending.
Negative Factors
Weak Operating Cash Conversion
Low operating cash conversion implies reported profits include significant non-cash items or timing gaps between income and cash receipts. Persistently weak OCF raises questions about the sustainability of earnings and could constrain liquidity for lending, reserves, or payouts without corrective action.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Expansion
Sustained 35% revenue growth alongside an 18.4% net margin indicates the core lending and fee businesses are scaling profitably. Over a multi-month horizon this enhances internal funding capacity, strengthens earnings resilience versus cyclical shocks, and supports reinvestment and customer lending.
Read all positive factors
Ogaki Kyoritsu Bank, Ltd. (8361) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥240.17B
Dividend Yield2.27%
Average Volume (3M)182.86K
Price to Earnings (P/E)9.7
Beta (1Y)1.10
Revenue Growth2.68%
EPS Growth74.80%
CountryJP
Employees3,023
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)120.67
Shares Outstanding41,831,898
10 Day Avg. Volume294,060
30 Day Avg. Volume182,856
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)0.31
Price to Sales (P/S)1.13
P/FCF Ratio0.00
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
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, indu...
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 ...
Ogaki Kyoritsu Bank, Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
65
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.46B | 87.62B | 87.91B | 80.55B | 75.44B | 76.40B |
| Gross Profit | 77.55B | 78.02B | 79.21B | 70.67B | 72.50B | 67.19B |
| EBITDA | 21.48B | 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 | 493.60B | 2.76T | 2.56T |
| 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 | 0.00 | -12.19B | -1.25T | 291.46B | 1.31T |
| Operating Cash Flow | 0.00 | 0.00 | -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
Neutral
5220.00
Price Trends
6084.40
Negative
5189.90
Positive
4086.78
Positive
Market Momentum
-31.19
Positive
41.65
Neutral
24.11
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8361, the sentiment is Neutral. The current price of 5220 is below the 20-day moving average (MA) of 6254.00, below the 50-day MA of 6084.40, and above the 200-day MA of 4086.78, indicating a neutral trend. The MACD of -31.19 indicates Positive momentum. The RSI at 41.65 is Neutral, neither overbought nor oversold. The STOCH value of 24.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8361.
Ogaki Kyoritsu Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥223.29B | 14.45 | ― | 2.13% | 7.77% | 5.80% | |
71 Outperform | ¥240.76B | 8.21 | 7.61% | 3.81% | 17.68% | 20.15% | |
70 Outperform | ¥200.88B | 8.55 | ― | 3.00% | 10.56% | 16.02% | |
68 Neutral | ¥240.17B | 9.68 | ― | 2.27% | 2.68% | 74.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥224.30B | 8.20 | ― | 3.46% | 11.92% | 16.40% | |
59 Neutral | ¥229.21B | 10.68 | ― | 2.55% | -0.36% | 41.38% |
* Financial Sector Average
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Ogaki Kyoritsu Bank, Ltd. Corporate Events
Ogaki Kyoritsu Bank to Book ¥13.1 Billion Gain on IBIDEN Share Sale
Mar 5, 2026
The Ogaki Kyoritsu Bank has finalized the gain it will book from selling a portion of its holdings in IBIDEN Co., Ltd., after the offering price for the secondary share sale was set at 7,314 yen per share. The regional lender, which sold 2,000,000...
Ogaki Kyoritsu Bank to Book ¥18.2 Billion Gain From Sale of IBIDEN Shares
Feb 25, 2026
The Ogaki Kyoritsu Bank, Ltd. has decided to sell a portion of its shareholdings in IBIDEN CO., LTD. as part of a broader review of its investment securities portfolio. The bank is disposing of shares deemed to be held for pure investment purposes...
Ogaki Kyoritsu Bank Expands Long-Term Shareholder Benefit Program
Feb 25, 2026
The Ogaki Kyoritsu Bank will expand its “OKB’s Autumn Gift” shareholder benefit program, which applies to investors holding at least 500 shares for one year or more as of each September 30. The move is aimed at increasing the app...
Ogaki Kyoritsu Bank to Book Extraordinary Income From Partial Pension Trust Refund
Feb 25, 2026
The Ogaki Kyoritsu Bank, Ltd., a regional Japanese commercial bank listed on the TSE Prime and NSE Premier markets, offers deposit, lending, and other financial services to retail and corporate customers, with operations centered on prudent asset ...
Ogaki Kyoritsu Bank Delivers Strong Nine-Month Earnings and Confirms Full-Year Dividend Outlook
Feb 10, 2026
The Ogaki Kyoritsu Bank reported strong consolidated results for the nine months ended December 31, 2025, with ordinary income up 18.2% to ¥112.4 billion and ordinary profit surging 62.3% to ¥18.8 billion. Profit attributable to owners o...
Ogaki Kyoritsu Bank to Dissolve Banking Agency Subsidiary OKB Front
Jan 26, 2026
The Ogaki Kyoritsu Bank has decided to dissolve its wholly owned subsidiary OKB Front Co., Ltd., which conducts banking agency services, as part of a review of its store network. OKB Front, established in 2014 with share capital of ¥10 millio...
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.