Oita Bank (8392) AI Stock Analysis

• Market Cap: $75.74B
• Dividend Yield: 2.21%
• Average Volume (3M): 36.71K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 1.03
• Revenue Growth: 2.61%
• EPS Growth: -1.50%
• Country: JP
• Employees: 1,715
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 215.59
• Shares Outstanding: 15,693,634
• 10 Day Avg. Volume: 31,560
• 30 Day Avg. Volume: 36,706
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: -1.75
• Enterprise Value/Revenue: -1.78
• Enterprise Value/Gross Profit: -1.86
• Enterprise Value/Ebitda: -13.38
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 63 Neutral
• Price Target: ―

Oita Bank's strong financial performance, particularly in profitability and revenue growth, is a key positive. However, technical analysis indicates bearish trends with the stock trading below major moving averages. The stock's valuation is attractive, with a low P/E ratio and a solid dividend yield, suggesting potential upside. Overall, the score reflects a balance of financial strengths and technical weaknesses.

Oita Bank Business Overview & Revenue Model

Company Description

Oita Bank, headquartered in Oita Prefecture, Japan, is a regional bank that offers a range of financial services primarily to individuals and businesses in its operating area. The bank provides traditional banking services such as deposits, loans, and mortgages, alongside investment and insurance products. Oita Bank focuses on serving the local community by supporting regional economic development and offering tailored financial solutions to meet the needs of its customers.

How the Company Makes Money

Oita Bank generates revenue primarily through interest income from various lending activities, including personal loans, business loans, and mortgages. The bank also earns income from fees and commissions charged for financial services such as account maintenance, fund transfers, and investment-related services. Additionally, Oita Bank may invest in securities and other financial instruments to earn investment income. Its earnings are further supported by partnerships with other financial institutions and service providers, which enable the bank to offer a diverse range of products and enhance its service offerings to customers.

Oita Bank Financial Statement Overview

Summary

Oita Bank demonstrates strong profitability and revenue growth, indicating a positive trajectory. The balance sheet is stable, but leverage warrants close attention. Cash flow challenges need addressing to ensure long-term financial health. With continued focus on improving operating efficiency and managing leverage, the bank can sustain its financial performance.

Income Statement

The income statement shows strong profitability with a solid gross profit margin at 95.62% TTM, indicating efficient cost management. Net profit margin improved to 11.24% TTM, showcasing enhanced profitability. Revenue growth was robust, with a 16.51% increase over the previous year, reflecting positive business momentum. However, EBIT margin at 49.58% TTM is a strength, while the EBITDA margin at 10.73% TTM shows room for improvement in operating efficiency.

Balance Sheet

The balance sheet indicates a strong equity position with an equity ratio of 4.72% TTM, suggesting a stable capital structure. The debt-to-equity ratio is 2.86 TTM, which is manageable but merits monitoring due to potential leverage risks. ROE improved to 3.90% TTM, indicating better returns on equity. Overall, the balance sheet reflects a stable financial position with adequate capitalization.

Cash Flow

Cash flow analysis reveals challenges, with operating cash flow being zero in the TTM period, indicating potential cash management issues. However, the previous free cash flow showed growth, suggesting some recovery potential. The lack of operating cash flow to net income and free cash flow metrics due to zero values in the TTM period limits the analysis.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	74.37B	71.01B	66.17B	66.72B	53.05B	54.87B
Gross Profit	71.11B	0.00	66.17B	66.72B	53.05B	54.87B
EBITDA	9.89B	6.26B	10.46B	0.00	8.62B	0.00
Net Income	8.36B	7.55B	6.54B	5.41B	5.38B	3.62B
Balance Sheet
Total Assets	4.54T	4.51T	4.55T	4.32T	4.31T	3.81T
Cash, Cash Equivalents and Short-Term Investments	803.47B	0.00	872.90B	725.87B	942.67B	512.69B
Total Debt	613.77B	648.98B	402.20B	388.76B	430.65B	229.80B
Total Liabilities	4.33T	4.30T	4.34T	4.14T	4.11T	3.61T
Stockholders Equity	214.48B	208.49B	217.81B	187.45B	198.00B	202.68B
Cash Flow
Free Cash Flow	0.00	43.54B	12.02B	-98.87B	468.91B	339.46B
Operating Cash Flow	0.00	45.06B	13.54B	-95.94B	470.28B	341.52B
Investing Cash Flow	0.00	-86.63B	15.39B	-120.08B	-34.18B	-165.66B
Financing Cash Flow	0.00	-50.35B	77.83B	-1.26B	-1.19B	-1.26B

Oita Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5010.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 5010 is above the 20-day moving average (MA) of 4921.00, above the 50-day MA of 4789.10, and above the 200-day MA of 3704.30, indicating a bullish trend. The MACD of 59.54 indicates Positive momentum. The RSI at 60.35 is Neutral, neither overbought nor oversold. The STOCH value of 50.12 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8393	78 Outperform	77.46B	7.41	5.16%	2.38%	14.57%	45.13%
8344	72 Outperform	52.24B	11.93	3.25%	2.65%	-12.00%	28.81%
8354	70 Outperform	869.70B	11.48	―	2.98%	10.63%	12.90%
8392	63 Neutral	$75.74B	10.35	3.53%	2.21%	2.61%	-1.50%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%