Ogaki Kyoritsu Bank, Ltd. (JP:8361)
:8361
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Ogaki Kyoritsu Bank, Ltd.
(8361)
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Rating:70Outperform
Price Target:
¥8,151.00
▲(56.15% Upside)
Action:Upgraded
Date:05/16/26
The score is led by strong technical momentum (price above key moving averages with positive MACD). Financial performance is mixed: earnings rebounded and leverage improved, but cash flow volatility materially weakens quality and predictability. Valuation is reasonable (P/E ~13) with a modest dividend yield.
Positive Factors
Improved leverage
Leverage falling to about 1.0 materially reduces refinancing and liquidity risk versus prior very high levels, improving capital flexibility. That stronger balance-sheet footing supports lending capacity, regulatory headroom and resilience to shocks over the next several quarters.
Negative Factors
Cash flow volatility
Large swings in operating and free cash flow weaken the bank's ability to self-fund lending and capital returns reliably. Inconsistent OCF increases refinancing and timing risk, complicates provisioning and capital planning, and reduces predictability of available liquidity over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
Leverage falling to about 1.0 materially reduces refinancing and liquidity risk versus prior very high levels, improving capital flexibility. That stronger balance-sheet footing supports lending capacity, regulatory headroom and resilience to shocks over the next several quarters.
Read all positive factors
Ogaki Kyoritsu Bank, Ltd. (8361) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥320.51B
Dividend Yield2.27%
Average Volume (3M)182.86K
Price to Earnings (P/E)13.0
Beta (1Y)1.14
Revenue Growth26.67%
EPS Growth31.83%
CountryJP
Employees3,023
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)377.20
Shares Outstanding41,831,898
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
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
The bank primarily makes money through (1) net interest income—earning interest on loans and other interest-earning assets (e.g., corporate/SME loans, consumer loans, and securities) and paying interest on funding sources such as customer deposits...
Ogaki Kyoritsu Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
43
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.46B | 136.65B | 87.62B | 87.91B | 80.55B | 75.44B |
| Gross Profit | 77.55B | 117.24B | 78.02B | 79.21B | 70.67B | 72.50B |
| EBITDA | 21.48B | 30.60B | 23.84B | 17.08B | 11.84B | 20.85B |
| Net Income | 15.70B | 19.38B | 14.72B | 9.47B | 4.83B | 10.62B |
Balance Sheet | ||||||
| Total Assets | 6.59T | 6.74T | 6.54T | 6.65T | 6.67T | 7.72T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 839.44B | 774.35B | 672.84B | 501.97B | 1.66T |
| Total Debt | 328.34B | 371.33B | 386.48B | 441.15B | 493.60B | 2.76T |
| Total Liabilities | 6.27T | 6.37T | 6.22T | 6.31T | 6.38T | 7.40T |
| Stockholders Equity | 327.41B | 364.48B | 318.52B | 338.70B | 288.07B | 309.72B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 5.69B | 0.00 | -12.19B | -1.25T | 291.46B |
| Operating Cash Flow | 0.00 | 7.37B | 0.00 | -9.31B | -1.24T | 295.31B |
| Investing Cash Flow | 0.00 | -64.66B | 97.37B | 283.18B | 93.75B | -112.63B |
| Financing Cash Flow | 0.00 | 119.16B | -27.24B | 10.89B | -12.27B | -3.35B |
Ogaki Kyoritsu Bank, Ltd. Technical Analysis
Positive
5220.00
Price Trends
6700.12
Positive
6181.87
Positive
4816.47
Positive
Market Momentum
233.25
Negative
67.86
Neutral
76.88
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 7145.00, below the 50-day MA of 6700.12, and above the 200-day MA of 4816.47, indicating a bullish trend. The MACD of 233.25 indicates Negative momentum. The RSI at 67.86 is Neutral, neither overbought nor oversold. The STOCH value of 76.88 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥249.86B | 13.40 | ― | 3.00% | 21.20% | 17.32% | |
70 Outperform | ¥320.51B | 13.05 | ― | 2.27% | 26.67% | 31.83% | |
70 Outperform | ¥289.75B | 11.25 | 7.61% | 3.81% | 17.66% | 24.57% | |
69 Neutral | ¥289.47B | 12.97 | ― | 3.46% | 11.64% | 26.63% | |
68 Neutral | ¥281.57B | 15.26 | ― | 2.13% | 15.39% | 26.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥294.38B | 12.58 | ― | 2.55% | 18.30% | 38.04% |
* Financial Sector Average
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Ogaki Kyoritsu Bank, Ltd. Corporate Events
Ogaki Kyoritsu Bank Launches Real Estate Asset Management Subsidiary to Bolster Regional Growth
May 15, 2026
The Ogaki Kyoritsu Bank will establish a wholly owned subsidiary, OKB Realty Management Co., Ltd., in Nagoya to provide investment advisory services for structuring and managing private real estate funds. This move aligns with its strategy to supp...
Ogaki Kyoritsu Bank Launches Five-for-One Stock Split and Enhances Shareholder Perks
May 15, 2026
The Ogaki Kyoritsu Bank’s board has approved a five-for-one stock split of its common shares effective October 1, 2026, aiming to lower the investment unit price, improve stock liquidity and make its shares more accessible to a broader range...
Ogaki Kyoritsu Bank to Boost Year-End Dividend After Strong Earnings
May 15, 2026
The Ogaki Kyoritsu Bank, Ltd. has announced that its board will propose a significant increase in year-end dividends of surplus for the fiscal year ended March 31, 2026, raising the dividend to 95 yen per share from the prior forecast of 55 yen. T...
Ogaki Kyoritsu Bank Lifts Profits, Dividends and Plans Stock Split for 2026
May 15, 2026
The Ogaki Kyoritsu Bank reported a sharp rise in ordinary income to ¥176.6 billion and a 31.6% jump in profit attributable to owners of the parent to ¥19.4 billion for the year ended March 31, 2026, while boosting its equity-to-asset rat...
Ogaki Kyoritsu Bank Posts Double-Digit Profit Surge on Loan Interest and Equity Gains
May 15, 2026
The Ogaki Kyoritsu Bank reported a sharp increase in ordinary income for the fiscal year ended March 31, 2026, on both a consolidated and non-consolidated basis. Consolidated ordinary income rose from ¥131.36 billion to ¥176.576 billion,...
Ogaki Kyoritsu Bank to Cancel 550,000 Treasury Shares
Mar 25, 2026
The Ogaki Kyoritsu Bank, Ltd. has resolved to cancel 550,000 of its common treasury shares, representing 1.31% of its issued shares prior to cancellation. The move, approved by the board on March 25, 2026 and scheduled for March 31, 2026, will red...
Ogaki Kyoritsu Bank Completes ¥3.5 Billion Share Buyback via ToSTNeT-3
Mar 11, 2026
Ogaki Kyoritsu Bank, Ltd., a regional commercial bank listed on Japan’s TSE Prime and NSE Premier markets, provides banking services to local customers and emphasizes balanced capital management. The institution aims to enhance shareholder r...
Ogaki Kyoritsu Bank Sets ToSTNeT-3 Buyback of Up to 1.32% of Shares
Mar 10, 2026
The Ogaki Kyoritsu Bank will repurchase up to 550,000 shares, or 1.32% of its outstanding stock excluding treasury shares, via an off-auction own share repurchase trade (ToSTNeT-3) on the Tokyo Stock Exchange at a fixed price of ¥6,380 per sh...
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 ...
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.