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The Oita Bank, Ltd. (8392.T)

JPY2,647.00 +86.00 (+3.36%)
JP JPX Financial Services Banks - Regional
Address 4-1, Funaimachi 3-chome 870-0021
Oita, JP
CEO Yasuhide Takahashi
IPO 2001-01-01
ISIN JP3175200009

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Also trades on Other OTC · OITAF (USD) Tokyo Stock Exchange · 8392.T (JPY)
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 activities are structured into Banking and Lease divisions. The company's core banking functions include facilitating deposits, extending various types of loans, discounting commercial bills, and engaging in the buying and selling of marketable securities and other financial instruments. Furthermore, it provides leasing, credit card services, financial instrument brokerage, and foreign exchange facilities. As of September 30, 2021, The Oita Bank, Ltd. maintained a significant operational footprint, comprising 93 branches and 33 money exchange offices.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY2,647.00 +86.00 (+3.36%)
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Volume Profile
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Liquidity & share structure
Average Volume
346.2K
Beta
0.51
Float Shares
58.23M
Free Float %
77.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.56% +3.52% +2.22% +15.48% +105.97% +66.52% +213.19% +435.92% +516.42% +251.59% +100.36%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
2,647.00
DCF (Levered) 10,426.81 +293.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.20
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +29.0% Q1'26: +104.0% (vs Q1'25)
  • EPS growth
    +43.9% Q1'26: +312.5% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +11.5% (vs Q1'25)
  • ROIC
    Q1'26: +7.7% (vs Q1'25)
  • Share dilution
    -2.6% Q1'26: -0.2% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 38.33× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.48) × ERP
WACC = 21% × Ke + 79% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 2,647.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2019
actual
Mar 2020
actual
Revenue
58.36B
est: 57.00B (+2.4%)
58.53B
est: 57.20B (+2.3%)
EBITDA
9.39B
est: 8.62B (+8.9%)
10.48B
est: 8.65B (+21.1%)
EBIT
7.19B
est: 7.10B (+1.3%)
8.54B
est: 7.13B (+19.9%)
Net Income
5.76B
est: 6.28B (-8.2%)
5.08B
est: 6.47B (-21.5%)
SGA
28.79B
est: 20.71B (+39.0%)
29.04B
est: 20.79B (+39.7%)
EPS
63.25
est: 400.46 (-84.2%)
64.57
est: 413.18 (-84.4%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 C+ 2/5 1/5 2/5 2/5 1/5 2/5 4/5
2026-05-11 C+ 2/5 1/5 2/5 2/5 1/5 2/5 4/5
2026-05-08 C+ 2/5 1/5 2/5 2/5 1/5 2/5 4/5
2026-05-07 C+ 2/5 1/5 2/5 2/5 1/5 2/5 4/5
2026-05-01 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-30 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-28 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-27 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-24 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-23 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-22 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-21 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-20 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-17 B- 3/5 1/5 2/5 4/5 1/5 3/5 4/5
2026-04-16 B- 3/5 1/5 2/5 4/5 1/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.42B
OE per share TTM
68.79
Owner's Yield
3.32%
Maintenance CapEx ratio
18.19%
Maint CapEx / Avg PPE
48.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 53 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
8.48M
Shares Outstanding
75.51M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Hideki Takahashi Executive Officer & GM of Regional Creation Department male
Hiroaki Shimonomura MD & Director male
Katsuhiko Ueki Managing Executive Officer & Beppu and Tsurumi Branch Manager male
Nobuhiko Okamatsu Senior MD, Chief of Business Strategy Division & Director male
Norio Hamada MD & Director
Suzuki Shigeyuki Assistant General Manager male
Yasuhide Takahashi President, Chief Executive Officer & Representative Director male
Yasunori Sato MD, GM of Sales Division & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits