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Oita Bank
(8392)
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Rating:69Neutral
Price Target:
¥3,608.00
▲(30.39% Upside)
Action:Downgraded
Date:07/28/26
The score is driven primarily by improving financial results but tempered by balance-sheet leverage and inconsistent cash flow. Technicals are a meaningful positive with the stock trading above all key moving averages, while valuation is a modest drag due to a mid-range P/E and low dividend yield.
Positive Factors
Improving earnings growth
The sustained rise in net income across the latest three reported years indicates improving earnings power rather than a single-period improvement. Stronger profits can reinforce capital formation, support lending capacity, and provide greater flexibility to invest in customer and digital banking capabilities.
Negative Factors
Elevated leverage and low ROE
Meaningful leverage is inherent in banking, but the combination with low returns on equity indicates that capital is not yet being used efficiently. This can limit internally generated growth and leave profitability more sensitive to funding costs, credit conditions, and balance-sheet risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving earnings growth
The sustained rise in net income across the latest three reported years indicates improving earnings power rather than a single-period improvement. Stronger profits can reinforce capital formation, support lending capacity, and provide greater flexibility to invest in customer and digital banking capabilities.
Read all positive factors
Oita Bank (8392) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥254.67B
Dividend Yield1.27%
Average Volume (3M)220.27K
Price to Earnings (P/E)21.7
Beta (1Y)1.18
Revenue Growth25.47%
EPS Growth54.85%
CountryJP
Employees1,626
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)139.82
Shares Outstanding78,468,170
10 Day Avg. Volume145,499
30 Day Avg. Volume220,269
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
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 activi...
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...
Oita Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 97.66B | 75.68B | 70.46B | 68.67B | 53.54B |
| Gross Profit | 82.96B | 69.49B | 66.17B | 66.72B | 53.05B |
| EBITDA | 16.06B | 12.72B | 10.46B | 8.96B | 8.62B |
| Net Income | 10.56B | 7.55B | 6.54B | 5.41B | 5.38B |
Balance Sheet | |||||
| Total Assets | 4.49T | 4.51T | 4.55T | 4.32T | 4.31T |
| Cash, Cash Equivalents and Short-Term Investments | 620.94B | 781.09B | 872.90B | 725.87B | 942.67B |
| Total Debt | 536.30B | 648.98B | 703.64B | 559.59B | 967.55B |
| Total Liabilities | 4.25T | 4.30T | 4.34T | 4.14T | 4.11T |
| Stockholders Equity | 245.26B | 208.49B | 217.81B | 187.45B | 198.00B |
Cash Flow | |||||
| Free Cash Flow | 78.19B | 0.00 | 12.17B | -98.87B | 468.91B |
| Operating Cash Flow | 80.40B | 0.00 | 13.54B | -95.94B | 470.28B |
| Investing Cash Flow | -131.31B | 29.69B | 15.39B | -120.08B | -34.18B |
| Financing Cash Flow | -113.19B | -53.39B | 77.83B | -1.26B | -1.19B |
Oita Bank Technical Analysis
Positive
2767.00
Price Trends
2840.66
Positive
2576.47
Positive
2141.23
Positive
Market Momentum
124.15
Negative
69.23
Neutral
81.78
Negative
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 2767 is below the 20-day moving average (MA) of 3053.36, below the 50-day MA of 2840.66, and above the 200-day MA of 2141.23, indicating a bullish trend. The MACD of 124.15 indicates Negative momentum. The RSI at 69.23 is Neutral, neither overbought nor oversold. The STOCH value of 81.78 is Negative, 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥114.53B | 11.28 | ― | 1.64% | 15.70% | 63.78% | |
71 Outperform | ¥171.82B | 13.89 | ― | 2.45% | 20.97% | 40.16% | |
69 Neutral | ¥254.67B | 21.66 | 4.63% | 1.27% | 25.47% | 54.85% | |
68 Neutral | ¥235.49B | 19.08 | ― | 1.87% | 23.09% | 35.52% | |
68 Neutral | ¥254.31B | 16.36 | ― | 1.67% | 8.31% | 47.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥139.35B | 14.12 | ― | 3.29% | 18.71% | 51.71% |
* Financial Sector Average
JP:8392
Oita Bank
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144.20%
Oita Bank Corporate Events
Oita Bank Finalizes Stock Compensation-Type Share Options for Executives
Aug 25, 2026
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 ope...
Oita Bank Raises Earnings Forecasts on Higher Interest Income and Subsidiary Dividends
Aug 7, 2026
Oita Bank has revised upward its consolidated earnings forecasts for the six months to September 30, 2026 and the fiscal year ending March 31, 2027, citing stronger interest income from loans and securities and lower-than-expected credit-related e...
Oita Bank Posts Strong Q1 FY2026 Results and Lifts Full-Year Outlook
Aug 7, 2026
The Oita Bank reported strong consolidated results for the three months ended June 30, 2026, with ordinary income up 29.1% year-on-year to ¥27.9 billion and profit attributable to owners of parent rising 19.8% to ¥3.9 billion. Comprehens...
Oita Bank Flags ¥5.0 Billion Unrealized Loss on Debt Securities, Keeps Forecasts Intact
Jul 27, 2026
Oita Bank has reported unrealized losses of 5,048 million yen on held-to-maturity debt securities as of June 30, 2026, the end of its first quarter for the fiscal year ending March 31, 2027. These losses, calculated on securities with reasonably d...
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.