Oita Bank Ltd (JP:8392)
:8392
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Oita Bank
(8392)
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Rating:70Outperform
Price Target:
¥2,429.00
▼(-65.20% Downside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by improving (but still uneven) fundamentals, offset by balance-sheet leverage and volatile cash flow, while technicals are supportive with price above key moving averages and positive momentum indicators. Valuation is reasonable with a modest dividend yield.
Positive Factors
Diversified banking model
Oita Bank's core earnings come from deposit-funded lending (net interest income), fee and commission services, and securities income. This multi-channel revenue mix supports steadier cash flow and reduces reliance on any single market segment, a durable advantage for regional banks.
Negative Factors
Elevated leverage
Leverage levels amplify returns but also make the balance sheet more sensitive to market, funding, or credit stress. Elevated and volatile debt/equity reduces financial flexibility and increases the chance that adverse shocks force higher provisioning or constrain lending.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified banking model
Oita Bank's core earnings come from deposit-funded lending (net interest income), fee and commission services, and securities income. This multi-channel revenue mix supports steadier cash flow and reduces reliance on any single market segment, a durable advantage for regional banks.
Read all positive factors
Oita Bank (8392) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥176.12B
Dividend Yield2.26%
Average Volume (3M)42.13K
Price to Earnings (P/E)13.4
Beta (1Y)1.16
Revenue Growth23.47%
EPS Growth44.30%
CountryJP
Employees1,715
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)95.89
Shares Outstanding78,468,170
10 Day Avg. Volume54,970
30 Day Avg. Volume42,133
Financial Highlights & Ratios
PEG Ratio0.30
Price to Book (P/B)0.58
Price to Sales (P/S)1.44
P/FCF Ratio1.80
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 makes money mainly through banking intermediation and fee-based services.
1) Net interest income (core earnings driver): The bank gathers funds largely through customer deposits (ordinary deposits, time deposits, etc.) and other funding...
Oita Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 70.54B | 97.66B | 75.68B | 70.46B | 68.67B | 53.54B |
| Gross Profit | 70.54B | 82.96B | 69.49B | 66.17B | 66.72B | 53.05B |
| EBITDA | 7.70B | 16.06B | 12.72B | 10.46B | 8.96B | 8.62B |
| Net Income | 7.40B | 10.56B | 7.55B | 6.54B | 5.41B | 5.38B |
Balance Sheet | ||||||
| Total Assets | 4.51T | 4.49T | 4.51T | 4.55T | 4.32T | 4.31T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 620.94B | 781.09B | 872.90B | 725.87B | 942.67B |
| Total Debt | 656.48B | 536.30B | 648.98B | 703.64B | 559.59B | 967.55B |
| Total Liabilities | 4.30T | 4.25T | 4.30T | 4.34T | 4.14T | 4.11T |
| Stockholders Equity | 214.59B | 245.26B | 208.49B | 217.81B | 187.45B | 198.00B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 78.19B | 0.00 | 12.17B | -98.87B | 468.91B |
| Operating Cash Flow | 0.00 | 80.40B | 0.00 | 13.54B | -95.94B | 470.28B |
| Investing Cash Flow | 0.00 | -131.31B | 29.69B | 15.39B | -120.08B | -34.18B |
| Financing Cash Flow | 0.00 | -113.19B | -53.39B | 77.83B | -1.26B | -1.19B |
Oita Bank Technical Analysis
Positive
6980.00
Price Trends
2041.54
Positive
1837.71
Positive
1426.50
Positive
Market Momentum
59.69
Negative
62.89
Neutral
71.70
Neutral
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 2143.90, above the 50-day MA of 2041.54, and above the 200-day MA of 1426.50, indicating a bullish trend. The MACD of 59.69 indicates Negative momentum. The RSI at 62.89 is Neutral, neither overbought nor oversold. The STOCH value of 71.70 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥178.84B | 12.13 | ― | 2.96% | 21.41% | 42.73% | |
72 Outperform | ¥131.26B | 9.90 | ― | 2.71% | 21.01% | 42.25% | |
70 Outperform | ¥176.12B | 13.36 | 3.68% | 2.26% | 23.47% | 44.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥174.83B | 10.12 | ― | 2.29% | 9.41% | 45.91% | |
65 Neutral | ¥87.68B | 9.19 | ― | 2.29% | 11.72% | 14.29% | |
64 Neutral | ¥110.42B | 23.87 | ― | 2.46% | 16.88% | 59.34% |
* Financial Sector Average
JP:8392
Oita Bank
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Oita Bank Corporate Events
Oita Bank Elevates Sales Veteran Yasunori Sato to Representative Director
May 12, 2026
The Oita Bank, Ltd. announced a planned change in its top management, with Managing Director and Sales Administration Division General Manager Yasunori Sato set to become Senior Managing Director and Representative Director following shareholder a...
Oita Bank Raises Payout Targets and Plans Higher Dividend for FY2026
May 12, 2026
The Oita Bank has revised its shareholder return policy, raising its targeted total payout ratio from at least 30% to at least 35% of profit attributable to owners of the parent. Within this framework, the bank now aims for a dividend payout ratio...
Oita Bank boosts earnings, capital and dividends on stronger FY2026 results
May 12, 2026
The Oita Bank reported a strong performance for the fiscal year ended March 31, 2026, with ordinary income rising 27.6% to ¥99.4 billion and profit attributable to owners of parent jumping 40.2% to ¥10.6 billion, lifting ROE to 4.7%. Net...
Oita Bank Books Unrealized Bond Losses but Raises FY2026 Earnings Outlook
Apr 27, 2026
The Oita Bank has disclosed unrealized losses of ¥4,803 million on held-to-maturity debt securities as of March 31, 2026, against a book value of ¥42,200 million and market value of ¥37,396 million. These losses are sizeable relativ...
Oita Bank Lifts Full-Year Earnings Outlook on Strong Securities Gains
Apr 27, 2026
The Oita Bank, Ltd., a regional lender listed on the TSE Prime and Fukuoka Stock Exchange, has revised upward its consolidated and non-consolidated earnings forecasts for the fiscal year ending March 31, 2026. The bank, which derives a significant...
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.