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Ogaki Kyoritsu Bank, Ltd.
(8361)
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Rating:70Outperform
Price Target:
¥1,921.00
▼(-63.20% Downside)
Action:Upgraded
Date:09/30/26
The score is driven most by improved 2026 profitability and meaningfully reduced leverage, partially offset by historically volatile cash flows that weaken confidence in financial quality. Technicals are supportive with the stock above major moving averages, and valuation is helped by a very high dividend yield despite a mid-range P/E.
Positive Factors
2026 Revenue and Profit Growth
Sharp 2026 revenue growth alongside higher net income indicates stronger operating momentum and improved business activity. If retained over the next several quarters, this expansion can support greater earnings capacity and provide more resources for lending, customer services, and franchise investment.
Negative Factors
Highly Volatile Cash Generation
Large historical swings in operating and free cash flow reduce confidence in the consistency of the bank’s earnings quality. Even with a 2026 recovery, renewed volatility could constrain internal funding, complicate capital planning, and make performance less dependable across the next several reporting periods.
Read all positive and negative factors
Positive Factors
Negative Factors
2026 Revenue and Profit Growth
Sharp 2026 revenue growth alongside higher net income indicates stronger operating momentum and improved business activity. If retained over the next several quarters, this expansion can support greater earnings capacity and provide more resources for lending, customer services, and franchise investment.
Read all positive factors
Ogaki Kyoritsu Bank, Ltd. (8361) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥369.51B
Dividend Yield5.26%
Average Volume (3M)824.71K
Price to Earnings (P/E)17.6
Beta (1Y)1.29
Revenue Growth39.26%
EPS Growth34.23%
CountryJP
Employees2,959
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)101.26
Shares Outstanding206,409,480
10 Day Avg. Volume806,140
30 Day Avg. Volume824,713
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
Founded in 1896 and based in Ogaki, Japan, The Ogaki Kyoritsu Bank, Ltd. functions as a regional financial institution, offering a broad spectrum of banking solutions to customers within Japan and across international markets. Beyond its core bank...
How the Company Makes Money
Ogaki Kyoritsu Bank makes money primarily through a traditional commercial banking model. Its main revenue stream is interest income: it earns interest on loans and other interest-bearing assets (such as corporate and consumer loans and securities...
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 | 145.23B | 136.65B | 87.62B | 87.91B | 80.55B | 75.44B |
| Gross Profit | 123.54B | 117.24B | 78.02B | 79.21B | 70.67B | 72.50B |
| EBITDA | 29.18B | 30.60B | 23.84B | 17.08B | 11.84B | 20.85B |
| Net Income | 20.98B | 19.38B | 14.72B | 9.47B | 4.83B | 10.62B |
Balance Sheet | ||||||
| Total Assets | 6.80T | 6.74T | 6.54T | 6.65T | 6.67T | 7.72T |
| Cash, Cash Equivalents and Short-Term Investments | 793.78B | 839.44B | 774.35B | 672.84B | 501.97B | 1.66T |
| Total Debt | 366.39B | 371.33B | 386.48B | 441.15B | 493.60B | 2.76T |
| Total Liabilities | 6.38T | 6.37T | 6.22T | 6.31T | 6.38T | 7.40T |
| Stockholders Equity | 418.06B | 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
1589.97
Positive
1534.51
Positive
1347.42
Positive
Market Momentum
51.54
Negative
70.83
Negative
85.18
Negative
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 above the 20-day moving average (MA) of 1665.87, above the 50-day MA of 1589.97, and above the 200-day MA of 1347.42, indicating a bullish trend. The MACD of 51.54 indicates Negative momentum. The RSI at 70.83 is Negative, neither overbought nor oversold. The STOCH value of 85.18 is Negative, 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥291.92B | 17.90 | ― | 2.46% | 30.51% | 18.50% | |
70 Outperform | ¥369.51B | 17.65 | ― | 5.26% | 39.26% | 34.23% | |
69 Neutral | ¥354.36B | 14.77 | 9.31% | 8.92% | 19.56% | 13.61% | |
69 Neutral | ¥371.12B | 18.11 | ― | 2.06% | 22.23% | 45.07% | |
62 Neutral | ¥345.30B | 19.41 | ― | 1.92% | 19.41% | 60.52% | |
57 Neutral | ¥339.52B | 17.51 | ― | 2.57% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Ogaki Kyoritsu Bank, Ltd. Corporate Events
Ogaki Kyoritsu Bank Delivers Strong Q1 Earnings, Confirms Guidance and Dividend Outlook
Aug 7, 2026
The Ogaki Kyoritsu Bank reported strong results for the quarter ended June 30, 2026, with ordinary income rising 24.8% year on year to ¥42.7 billion and profit attributable to owners of parent climbing 38.7% to ¥5.7 billion, driving comp...
Ogaki Kyoritsu Bank Sets Terms for Executive Stock Compensation Options
Jul 28, 2026
The Ogaki Kyoritsu Bank has finalized the terms of a stock compensation-type stock option program for its internal directors and executive officers, following a prior board resolution. The plan allocates 509 share acquisition rights, corresponding...
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.