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Okinawa Financial Group, Inc. (7350) AI Stock Analysis

JP:7350

Okinawa Financial Group, Inc.

(TSE/TYO:7350)

Select Model
Rating:85Outperform
Price Target:JPY 9,059.00â–²(25.99% Upside)
Action:reiterated
Date:08/07/26

Okinawa Financial Group scores 85, reflecting its solid financial fundamentals, including robust revenue growth and a strong balance sheet. The stock's technical trends are bullish, and its valuation appears attractive. These factors combine to suggest a favorable investment profile.

Positive Factors
Accelerating revenue and earningsSustained revenue acceleration and rising net income into 2026 indicate the core banking franchise is growing commercial activity and fee generation. Durable top-line momentum supports recurring earnings, strengthens internal capital generation prospects, and underpins medium-term capacity for reinvestment and dividends.
Negative Factors
Volatile cash generationLarge year-to-year swings in operating and free cash flow weaken confidence in internally funded growth and capital returns. Persistent volatility makes planning for capex, lending growth, and dividends less predictable and raises reliance on external funding during downturns.

Okinawa Financial Group, Inc. (7350) vs. iShares MSCI Japan ETF (EWJ)

-25%0%25%50%75%100%125%JP:7350+91.74%EWJ+15.87%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
Market Cap
JPY 153.48B
Dividend Yield
2.78%
Average Volume (3M)
98.87K
Price to Earnings (P/E)
12.4
Beta (1Y)
1.30
Revenue Growth
20.97%
EPS Growth
40.16%
Country
Japan
Employees
1,513
Sector
General
Sector Strength
55
Industry
Banks - Regional

Okinawa Financial Group, Inc. Business Overview & Revenue Model

Company Description

Okinawa Financial Group, Inc. functions as a diversified provider of financial services. Its extensive portfolio includes conventional banking, general leasing, credit card offerings, securities trading, guarantees, agency operations, and debt collec...

How the Company Makes Money

The company makes money primarily through its banking operations conducted by its consolidated subsidiaries. Key revenue streams generally include (1) net interest income: interest earned on loans and other interest-bearing assets minus interest paid...

Okinawa Financial Group, Inc. Financial Statement Overview

Summary

Strong revenue and earnings growth (revenue up 21%, net income up 42% in fiscal 2026), robust balance sheet with low debt (D/E 0.59) and strong capital, and improving cash flow. Overall financial health is excellent.

Income Statement

85Very Positive

Balance Sheet

90Very Positive

Cash Flow

78Positive
Financial statement breakdown
BreakdownTTMMar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Income Statement
Total Revenue71.30B69.72B55.98B50.97B49.31B46.71B
Gross Profit64.83B63.18B53.62B49.77B48.89B46.42B
EBITDA17.43B18.44B14.13B11.12B10.56B10.09B
Net Income12.34B11.29B7.94B6.26B5.83B5.01B
Balance Sheet
Total Assets3.11T2.94T2.98T2.93T2.88T2.86T
Cash, Cash Equivalents and Short-Term Investments370.74B201.70B349.39B439.56B510.74B590.65B
Total Debt87.97B96.26B99.84B94.55B161.03B222.29B
Total Liabilities2.94T2.77T2.83T2.78T2.72T2.70T
Stockholders Equity165.09B162.30B153.51B156.92B153.66B159.39B
Cash Flow
Free Cash Flow07.20B10.18B-44.16B-52.34B183.86B
Operating Cash Flow08.53B11.30B-42.59B-50.07B188.08B
Investing Cash Flow0-104.31B-106.59B-25.08B-28.55B-48.79B
Financing Cash Flow0-54.02B-1.93B-5.26B-2.76B-4.10B

Okinawa Financial Group, Inc. Technical Analysis

Technical Analysis SentimentNeutral
Last Price7190.00

Price Trends

50DMA7582.60Negative
100DMA7194.29Negative
200DMA6342.98Positive

Market Momentum

MACD-176.63Positive
RSI45.75Neutral
STOCH72.73Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7350, the sentiment is Neutral. The current price of 7190.00 is below the 20-day moving average (MA) of 7330.00, below the 50-day MA of 7582.60, and above the 200-day MA of 6342.98, indicating a neutral trend. The MACD of -176.63 indicates Positive momentum. The RSI at 45.75 is Neutral, neither overbought nor oversold. The STOCH value of 72.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7350.

Okinawa Financial Group, Inc. Peers Comparison

Overall Rating

UnderperformOutperform
Sector (55)

Financial Indicators

JP:7350 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
JP:7350JP:735085OutperformJPY 153.46B12.44―2.78%20.97%40.16%
JP:8393JP:839375OutperformJPY 210.22B13.81―2.03%8.31%47.11%
JP:8346JP:834672OutperformJPY 244.50B17.14―2.37%30.35%66.60%
JP:8337JP:833766NeutralJPY 145.86B18.21―0.41%27.90%3.75%
JP:8399JP:839965NeutralJPY 119.28B12.14―3.91%18.71%51.71%
JP:8392JP:839258NeutralJPY 225.26B19.394.63%1.45%25.47%54.85%
Sector *55Neutral$6.65B3.83-15.92%6.20%10.91%7.18%

* General Sector Average

Performance Comparison

0%100%200%JP:7350JP:8392JP:8337JP:8346JP:8393JP:8399Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
JP:7350 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
JP:7350Okinawa Financial Group, Inc.7190.003459.6192.74%
JP:8392Oita Bank 2888.001886.30188.31%
JP:8337Chiba Kogyo Bank, Ltd.2462.00860.9753.78%
JP:8346Toho Bank, Ltd.970.00525.96118.45%
JP:8393Miyazaki Bank Ltd.2465.001556.11171.21%
JP:8399Bank Of The Ryukyus,Limited2812.001367.3494.65%

Okinawa Financial Group, Inc. Corporate Events

Okinawa Financial Group Flags Large Unrealized Bond Losses but Keeps Outlook

Jul 23, 2026

Okinawa Financial Group reported unrealized losses of ¥10,396 million on held-to-maturity bonds at The Bank of Okinawa as of June 30, 2026, compared with a book value of ¥42,793 million and a market value of ¥32,396 million. The loss a...

Okinawa Financial Group Hikes Profit Targets and Boosts Dividends Under Medium-Term Plan

May 15, 2026

Okinawa Financial Group has raised its final-year targets under its second medium-term business plan for the year ending March 2027, reflecting stronger deposit balances, higher fees and commissions at the Bank of Okinawa, and market interest rates t...

Okinawa Financial Group Lifts Earnings, Boosts Dividend and Guides for Further Growth

May 15, 2026

Okinawa Financial Group reported strong results for the fiscal year ended March 31, 2026, with ordinary income rising 19.8% to ¥70.4 billion and profit attributable to owners of the parent surging 42.2% to ¥11.3 billion, lifting ROE to 7.1%...

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.

Date of analysis: Aug 07, 2026