Oita Bank Ltd (JP:8392)
:8392
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Oita Bank
(8392)
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Rating:72Outperform
Price Target:
¥10,922.00
▲(56.48% Upside)
Action:ReiteratedDate:03/06/26
The score is driven primarily by steady but not outstanding financial performance, with leverage and modest ROE/profitability constraining the rating despite strong gross margin and improving free cash flow. Technicals are supportive with a clear uptrend (price above major moving averages and positive MACD). Valuation is reasonable with a low P/E and a moderate dividend yield.
Positive Factors
High gross margin
A gross margin above 91% indicates durable efficiency in core banking operations, reflecting stable interest spreads and low direct costs. Over months this supports the bank's ability to absorb credit volatility and fund operating needs, underpinning sustainable core profitability.
Negative Factors
High leverage
Elevated debt-to-equity increases sensitivity to interest-rate moves and reduces capital flexibility. Over months this heightens refinancing and funding risks, constraining balance sheet management and limiting the bank’s ability to expand lending or absorb credit shocks without raising capital.
Read all positive and negative factors
Positive Factors
Negative Factors
High gross margin
A gross margin above 91% indicates durable efficiency in core banking operations, reflecting stable interest spreads and low direct costs. Over months this supports the bank's ability to absorb credit volatility and fund operating needs, underpinning sustainable core profitability.
Read all positive factors
Oita Bank (8392) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥164.58B
Dividend Yield2.26%
Average Volume (3M)42.13K
Price to Earnings (P/E)8.0
Beta (1Y)1.16
Revenue Growth9.34%
EPS Growth20.61%
CountryJP
Employees1,715
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)40.42
Shares Outstanding78,468,170
10 Day Avg. Volume54,970
30 Day Avg. Volume42,133
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)0.26
Price to Sales (P/S)0.71
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
Oita Bank Business Overview & Revenue Model
Company Description
The Oita Bank, Ltd. provides various banking products and services to individual and corporate clients primarily in Oita Prefecture, Japan. It operates through Banking and Lease segments. The company engages in accepting deposits; providing loans;...
How the Company Makes Money
Oita Bank generates revenue through multiple key streams, primarily from interest income on loans and investments. The bank offers various loan products, including personal loans, residential mortgages, and business loans, which typically carry in...
Oita Bank Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
60
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 70.54B | 75.68B | 70.46B | 68.67B | 53.54B | 55.41B |
| Gross Profit | 70.54B | 69.49B | 66.17B | 66.72B | 53.05B | 54.87B |
| EBITDA | 7.70B | 12.72B | 10.46B | 8.96B | 8.62B | 8.20B |
| Net Income | 7.40B | 7.55B | 6.54B | 5.41B | 5.38B | 3.62B |
Balance Sheet | ||||||
| Total Assets | 4.51T | 4.51T | 4.55T | 4.32T | 4.31T | 3.81T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 781.09B | 872.90B | 725.87B | 942.67B | 512.69B |
| Total Debt | 656.48B | 648.98B | 703.64B | 559.59B | 967.55B | 248.95B |
| Total Liabilities | 4.30T | 4.30T | 4.34T | 4.14T | 4.11T | 3.61T |
| Stockholders Equity | 214.59B | 208.49B | 217.81B | 187.45B | 198.00B | 202.68B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | 12.17B | -98.87B | 468.91B | 339.46B |
| Operating Cash Flow | 0.00 | 0.00 | 13.54B | -95.94B | 470.28B | 341.52B |
| Investing Cash Flow | 0.00 | 29.69B | 15.39B | -120.08B | -34.18B | -165.66B |
| Financing Cash Flow | 0.00 | -53.39B | 77.83B | -1.26B | -1.19B | -1.26B |
Oita Bank Technical Analysis
Positive
6980.00
Price Trends
1885.26
Positive
1576.04
Positive
1249.86
Positive
Market Momentum
47.47
Negative
63.92
Neutral
91.85
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8392, the sentiment is Positive. The current price of 6980 is above the 20-day moving average (MA) of 1929.99, above the 50-day MA of 1885.26, and above the 200-day MA of 1249.86, indicating a bullish trend. The MACD of 47.47 indicates Negative momentum. The RSI at 63.92 is Neutral, neither overbought nor oversold. The STOCH value of 91.85 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8392.
Oita Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥122.09B | 8.48 | ― | 2.71% | 15.37% | 35.08% | |
75 Outperform | ¥172.02B | 7.55 | ― | 2.29% | 13.93% | 54.44% | |
72 Outperform | ¥164.58B | 8.04 | 3.68% | 2.26% | 9.34% | 20.61% | |
71 Outperform | ¥172.05B | 7.21 | ― | 2.96% | 14.85% | 21.17% | |
69 Neutral | ¥102.19B | 6.66 | ― | 2.46% | 9.12% | 43.43% | |
68 Neutral | ¥86.85B | 7.94 | ― | 2.29% | 7.97% | 20.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
JP:8392
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Oita Bank Corporate Events
Oita Bank Lifts Earnings and Dividends on Strong Nine-Month Results
Feb 9, 2026
Oita Bank reported strong consolidated results for the nine months ended December 31, 2025, with ordinary income rising 18.1% year on year to ¥69.47 billion and profit attributable to owners of the parent up 10.1% to ¥7.49 billion, lifti...
Oita Bank Books ¥4.35 Billion Unrealized Loss on Bonds, Keeps Earnings Outlook Intact
Jan 26, 2026
Oita Bank has disclosed that unrealized losses on its held-to-maturity debt securities totaled ¥4,350 million as of December 31, 2025, equivalent to 39.2% of its consolidated ordinary profit and 57.6% of profit attributable to owners of paren...
Oita Bank Sharpens Governance With Larger Cut to Cross-Shareholdings
Jan 26, 2026
The Oita Bank has revised its target for reducing cross-shareholdings, deciding at a January 26, 2026 board meeting to increase the planned cut in book value from about ¥3.7 billion to approximately ¥5.3 billion, or around 40%, from the ...
Oita Bank Announces 5-for-1 Stock Split and Launch of Shareholder Benefit Program
Jan 26, 2026
The Oita Bank’s board has approved a 5-for-1 stock split of its common shares, effective April 1, 2026, aimed at lowering the minimum investment amount, improving share liquidity and widening its investor base. In conjunction with the split,...
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.