Oita Bank AI Stock Analysis
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Oita Bank (8392) AI Stock Analysis
Oita Bank
(TSE/TYO:8392)
The overall score is constrained by weak technical momentum, with the stock trading below key moving averages and showing bearish signals. Solid financial performance, driven by strong revenue and profit growth, provides a foundation, but historical cash flow volatility and modest returns limit the upside. Fair valuation offers some support but is not a catalyst.
Oita Bank (8392) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 326.34M
- Dividend Yield
- 1.58%
- Average Volume (3M)
- 305.51K
- Price to Earnings (P/E)
- 15.1
- Beta (1Y)
- 1.38
- Revenue Growth
- 24.51%
- EPS Growth
- 62.67%
- Country
- Japan
- Employees
- 1,626
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Oita Bank Business Overview & Revenue Model
Company Description
Established in 1893 and headquartered in Oita, Japan, The Oita Bank, Ltd. delivers a broad spectrum of banking and financial solutions to both individual and corporate customers, predominantly within the Oita Prefecture region. Its business activitie...
How the Company Makes Money
Oita Bank makes money primarily through banking intermediation and fee-based services. 1) Net interest income (core earnings driver): The bank collects deposits (e.g., ordinary deposits, time deposits) and other funding at relatively low interest rat...
Oita Bank Financial Statement Overview
Summary
Strong income statement with revenue and profit growth, offset by a mixed cash flow history and modest return on equity. The balance sheet is solid but not exceptional, leading to a balanced financial performance score.
Income Statement
85Very PositiveBalance Sheet
70PositiveCash Flow
55Neutral| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 73.58B | 75.68B | 97.66B | 70.46B | 68.67B | 53.54B |
| Gross Profit | 71.28B | 69.49B | 82.96B | 66.17B | 66.72B | 53.05B |
| EBITDA | 10.02B | 12.72B | 16.06B | 10.46B | 8.96B | 8.62B |
| Net Income | 8.27B | 7.55B | 10.56B | 6.54B | 5.41B | 5.38B |
Balance Sheet | ||||||
| Total Assets | 4.48T | 4.51T | 4.49T | 4.55T | 4.32T | 4.31T |
| Cash, Cash Equivalents and Short-Term Investments | 658.18B | 781.09B | 620.94B | 872.90B | 725.87B | 942.67B |
| Total Debt | 622.65B | 648.98B | 536.30B | 703.64B | 559.59B | 967.55B |
| Total Liabilities | 4.26T | 4.30T | 4.25T | 4.34T | 4.14T | 4.11T |
| Stockholders Equity | 225.38B | 208.49B | 245.26B | 217.81B | 187.45B | 198.00B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 0 | 78.19B | 12.17B | -98.87B | 468.91B |
| Operating Cash Flow | 0 | 0 | 80.40B | 13.54B | -95.94B | 470.28B |
| Investing Cash Flow | 0 | 29.69B | -131.31B | 15.39B | -120.08B | -34.18B |
| Financing Cash Flow | 0 | -53.39B | -113.19B | 77.83B | -1.26B | -1.19B |
Oita Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8392, the sentiment is Negative. The current price of 2656.00 is below the 20-day moving average (MA) of 2721.05, below the 50-day MA of 2941.18, and above the 200-day MA of 2378.75, indicating a neutral trend. The MACD of -87.64 indicates Negative momentum. The RSI at 44.41 is Neutral, neither overbought nor oversold. The STOCH value of 61.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8392.
Oita Bank Peers Comparison
Overall Rating
JP:839978Outperform
JP:839575Outperform
JP:735069Neutral
JP:839368Neutral- JP:839261Neutral
JP:732259Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8399 | 78Outperform | JPY 112.96B | 11.52 | ― | 4.14% | 18.94% | 26.15% |
| JP:8395 | 75Outperform | JPY 100.61B | 10.86 | ― | 2.06% | 15.58% | 15.08% |
| JP:7350 | 69Neutral | JPY 148.76B | 12.02 | ― | 2.88% | 20.41% | 41.92% |
| JP:8393 | 68Neutral | JPY 211.07B | 13.24 | ― | 2.33% | 9.60% | 33.99% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8392 | 61Neutral | JPY 207.95B | 15.14 | 5.27% | 1.58% | 24.51% | 62.67% |
| JP:7322 | 59Neutral | JPY 191.49B | 15.71 | ― | 2.32% | 25.55% | 57.33% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8392 | Oita Bank | 2656.00 | 1620.85 | 156.58% | |
| JP:7322 | San ju San Financial Group, Inc. | 1813.00 | 886.51 | 95.68% | |
| JP:7350 | Okinawa Financial Group, Inc. | 6950.00 | 2787.88 | 66.98% | |
| JP:8393 | Miyazaki Bank Ltd. | 2450.00 | 1435.33 | 141.46% | |
| JP:8395 | Bank of Saga Ltd. | 6070.00 | 2845.54 | 88.25% | |
| JP:8399 | Bank Of The Ryukyus,Limited | 2660.00 | 1140.47 | 75.05% |
Oita Bank Corporate Events
Oita Bank Purchases 395,800 Treasury Shares Through ToSTNeT-3
THE OITA BANK, LTD. is a bank listed on the Tokyo Stock Exchange Prime Market and the Fukuoka Stock Exchange. The release does not specify the Bank’s primary products, services, or market focus.On November 10, 2026, the Bank purchased 395,800 common...
Oita Bank Announces ¥1.2 Billion Treasury-Share Purchase
THE OITA BANK, LTD., a regional Japanese bank focused on deposits, lending and related financial services, announced a treasury-share repurchase through the Tokyo Stock Exchange’s ToSTNeT-3 off-auction system. The bank set a maximum purchase of 475,0...
Oita Bank Approves Share Buyback and Treasury Share Cancellation
The Oita Bank, listed on the Tokyo Stock Exchange Prime Market and the Fukuoka Stock Exchange, is a regional banking institution focused on banking and financial services. Its regional market position centers on supporting customers and businesses in...
Oita Bank Reports Strong First-Half Earnings Growth
Oita Bank is a Japanese regional banking institution providing deposit-taking, lending and related financial services, primarily serving customers and businesses in Oita and surrounding areas.For the six months ended September 30, 2026, consolidated...
Oita Bank Flags ¥5.6 Billion Unrealized Securities Loss, Maintains Earnings Outlook
Oita Bank has reported unrealized losses of 5,605 million yen on held-to-maturity debt securities as of the end of the six months to September 30, 2026. This loss corresponds to 38.1% of consolidated ordinary profit and 52.9% of profit attributable t...
Oita Bank Finalizes Stock Compensation-Type Share Options for Executives
The Oita Bank, Ltd., a regional Japanese bank listed on the TSE Prime and Fukuoka Stock Exchange, has a governance structure comprising Directors, Audit & Supervisory Committee Members, Outside Directors, and Executive Officers. The institution opera...
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: Oct 28, 2026