The Oita Bank, Ltd. Logo

The Oita Bank, Ltd.

8392.T

(2.8)
Stock Price

3.215,00 JPY

0.69% ROA

3.73% ROE

6.46x PER

Market Cap.

49.495.767.045,00 JPY

318.18% DER

3.16% Yield

11.26% NPM

The Oita Bank, Ltd. Stock Analysis

The Oita Bank, Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Oita Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.22x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 ROE

ROE in an average range (2.82%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.12%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (41.972), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 DER

The stock is burdened with a heavy load of debt (198%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

The Oita Bank, Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Oita Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

The Oita Bank, Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Oita Bank, Ltd. Revenue
Year Revenue Growth
2004 56.250.000.000
2005 57.696.000.000 2.51%
2006 57.662.000.000 -0.06%
2007 58.331.000.000 1.15%
2008 55.563.000.000 -4.98%
2009 55.006.000.000 -1.01%
2010 53.658.000.000 -2.51%
2011 55.676.000.000 3.62%
2012 52.824.000.000 -5.4%
2013 51.942.000.000 -1.7%
2014 54.240.000.000 4.24%
2015 56.675.000.000 4.3%
2016 55.736.000.000 -1.68%
2017 57.753.000.000 3.49%
2018 57.083.000.000 -1.17%
2019 57.563.000.000 0.83%
2020 54.866.000.000 -4.92%
2021 53.053.000.000 -3.42%
2022 66.717.000.000 20.48%
2023 65.620.000.000 -1.67%
2023 71.732.000.000 8.52%
2024 71.668.000.000 -0.09%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Oita Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Oita Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 31.485.000.000
2005 31.335.000.000 -0.48%
2006 30.276.000.000 -3.5%
2007 30.278.000.000 0.01%
2008 30.928.000.000 2.1%
2009 30.947.000.000 0.06%
2010 31.620.000.000 2.13%
2011 32.191.000.000 1.77%
2012 31.855.000.000 -1.05%
2013 32.406.000.000 1.7%
2014 32.186.000.000 -0.68%
2015 31.892.000.000 -0.92%
2016 31.915.000.000 0.07%
2017 31.399.000.000 -1.64%
2018 28.787.000.000 -9.07%
2019 29.035.000.000 0.85%
2020 29.019.000.000 -0.06%
2021 27.186.000.000 -6.74%
2022 27.130.000.000 -0.21%
2023 28.844.000.000 5.94%
2023 27.512.000.000 -4.84%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Oita Bank, Ltd. EBITDA
Year EBITDA Growth
2004 33.216.000.000
2005 27.278.000.000 -21.77%
2006 29.374.000.000 7.14%
2007 27.931.000.000 -5.17%
2008 -12.671.000.000 320.43%
2009 17.822.000.000 171.1%
2010 19.127.000.000 6.82%
2011 17.706.000.000 -8.03%
2012 16.239.000.000 -9.03%
2013 20.424.000.000 20.49%
2014 21.543.000.000 5.19%
2015 19.857.000.000 -8.49%
2016 15.312.000.000 -29.68%
2017 14.121.000.000 -8.43%
2018 -575.000.000 2555.83%
2019 -818.000.000 29.71%
2020 -457.000.000 -78.99%
2021 -327.000.000 -39.76%
2022 -326.000.000 -0.31%
2023 5.376.000.000 106.06%
2023 -270.000.000 2091.11%
2024 1.604.000.000 116.83%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Oita Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 56.250.000.000
2005 57.696.000.000 2.51%
2006 57.662.000.000 -0.06%
2007 58.331.000.000 1.15%
2008 55.563.000.000 -4.98%
2009 55.006.000.000 -1.01%
2010 53.658.000.000 -2.51%
2011 55.676.000.000 3.62%
2012 52.826.000.000 -5.4%
2013 51.942.000.000 -1.7%
2014 54.251.000.000 4.26%
2015 56.675.000.000 4.28%
2016 55.736.000.000 -1.68%
2017 57.753.000.000 3.49%
2018 57.083.000.000 -1.17%
2019 57.563.000.000 0.83%
2020 54.866.000.000 -4.92%
2021 53.053.000.000 -3.42%
2022 66.717.000.000 20.48%
2023 65.620.000.000 -1.67%
2023 65.207.000.000 -0.63%
2024 71.668.000.000 9.02%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Oita Bank, Ltd. Net Profit
Year Net Profit Growth
2004 10.417.000.000
2005 8.009.000.000 -30.07%
2006 7.417.000.000 -7.98%
2007 5.653.000.000 -31.2%
2008 -22.920.000.000 124.66%
2009 5.179.000.000 542.56%
2010 6.013.000.000 13.87%
2011 6.199.000.000 3%
2012 7.206.000.000 13.97%
2013 8.271.000.000 12.88%
2014 9.664.000.000 14.41%
2015 9.736.000.000 0.74%
2016 7.540.000.000 -29.12%
2017 5.976.000.000 -26.17%
2018 5.759.000.000 -3.77%
2019 5.081.000.000 -13.34%
2020 3.615.000.000 -40.55%
2021 5.376.000.000 32.76%
2022 5.409.000.000 0.61%
2023 3.700.000.000 -46.19%
2023 6.536.000.000 43.39%
2024 13.772.000.000 52.54%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Oita Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 721
2005 553 -30.2%
2006 517 -7.17%
2007 396 -30.3%
2008 -1.606 124.66%
2009 326 594.15%
2010 353 7.67%
2011 366 3.83%
2012 435 15.67%
2013 503 13.72%
2014 609 17.27%
2015 628 3.18%
2016 480 -31.11%
2017 329 -46.04%
2018 316 -3.8%
2019 323 1.86%
2020 230 -40.61%
2021 341 32.65%
2022 343 0.58%
2023 0 0%
2023 414 100%
2024 877 52.85%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Oita Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 25.626.000.000
2005 60.731.000.000 57.8%
2006 -23.572.000.000 357.64%
2007 11.982.000.000 296.73%
2008 10.965.000.000 -9.27%
2009 33.826.000.000 67.58%
2010 37.590.000.000 10.01%
2011 117.764.000.000 68.08%
2012 60.977.000.000 -93.13%
2013 67.056.000.000 9.07%
2014 19.567.000.000 -242.7%
2015 92.810.000.000 78.92%
2016 74.775.000.000 -24.12%
2017 -35.569.000.000 310.23%
2018 66.078.000.000 153.83%
2019 111.269.000.000 40.61%
2020 339.458.000.000 67.22%
2021 468.910.000.000 27.61%
2022 -98.871.000.000 574.26%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Oita Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 35.198.000.000
2005 68.906.000.000 48.92%
2006 -11.919.000.000 678.12%
2007 21.179.000.000 156.28%
2008 14.397.000.000 -47.11%
2009 36.521.000.000 60.58%
2010 40.506.000.000 9.84%
2011 123.902.000.000 67.31%
2012 66.302.000.000 -86.88%
2013 71.006.000.000 6.62%
2014 23.325.000.000 -204.42%
2015 95.225.000.000 75.51%
2016 75.841.000.000 -25.56%
2017 -33.781.000.000 324.51%
2018 67.364.000.000 150.15%
2019 112.975.000.000 40.37%
2020 341.521.000.000 66.92%
2021 470.282.000.000 27.38%
2022 -95.940.000.000 590.18%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Oita Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 9.572.000.000
2005 8.175.000.000 -17.09%
2006 11.653.000.000 29.85%
2007 9.197.000.000 -26.7%
2008 3.432.000.000 -167.98%
2009 2.695.000.000 -27.35%
2010 2.916.000.000 7.58%
2011 6.138.000.000 52.49%
2012 5.325.000.000 -15.27%
2013 3.950.000.000 -34.81%
2014 3.758.000.000 -5.11%
2015 2.415.000.000 -55.61%
2016 1.066.000.000 -126.55%
2017 1.788.000.000 40.38%
2018 1.286.000.000 -39.04%
2019 1.706.000.000 24.62%
2020 2.063.000.000 17.3%
2021 1.372.000.000 -50.36%
2022 2.931.000.000 53.19%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Oita Bank, Ltd. Equity
Year Equity Growth
2004 135.497.000.000
2005 148.862.000.000 8.98%
2006 158.812.000.000 6.27%
2007 148.564.000.000 -6.9%
2008 107.658.000.000 -38%
2009 137.791.000.000 21.87%
2010 138.895.000.000 0.79%
2011 149.982.000.000 7.39%
2012 163.262.000.000 8.13%
2013 164.925.000.000 1.01%
2014 191.599.000.000 13.92%
2015 188.146.000.000 -1.84%
2016 189.411.000.000 0.67%
2017 196.357.000.000 3.54%
2018 201.935.000.000 2.76%
2019 188.567.000.000 -7.09%
2020 202.744.000.000 6.99%
2021 198.070.000.000 -2.36%
2022 187.518.000.000 -5.63%
2023 194.257.000.000 3.47%
2023 217.880.000.000 10.84%
2024 214.427.000.000 -1.61%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Oita Bank, Ltd. Assets
Year Assets Growth
2004 2.546.030.000.000
2005 2.613.015.000.000 2.56%
2006 2.629.212.000.000 0.62%
2007 2.614.580.000.000 -0.56%
2008 2.627.947.000.000 0.51%
2009 2.718.924.000.000 3.35%
2010 2.737.641.000.000 0.68%
2011 2.781.917.000.000 1.59%
2012 2.864.605.000.000 2.89%
2013 3.006.805.000.000 4.73%
2014 3.076.987.000.000 2.28%
2015 3.162.073.000.000 2.69%
2016 3.211.036.000.000 1.52%
2017 3.220.162.000.000 0.28%
2018 3.327.849.000.000 3.24%
2019 3.393.016.000.000 1.92%
2020 3.813.669.000.000 11.03%
2021 4.310.569.000.000 11.53%
2022 4.324.388.000.000 0.32%
2023 4.458.247.000.000 3%
2023 4.554.183.000.000 2.11%
2024 4.656.135.000.000 2.19%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Oita Bank, Ltd. Liabilities
Year Liabilities Growth
2004 2.410.533.000.000
2005 2.464.153.000.000 2.18%
2006 2.470.400.000.000 0.25%
2007 2.466.016.000.000 -0.18%
2008 2.520.289.000.000 2.15%
2009 2.581.133.000.000 2.36%
2010 2.598.746.000.000 0.68%
2011 2.631.935.000.000 1.26%
2012 2.701.343.000.000 2.57%
2013 2.841.880.000.000 4.95%
2014 2.885.388.000.000 1.51%
2015 2.973.927.000.000 2.98%
2016 3.021.625.000.000 1.58%
2017 3.023.805.000.000 0.07%
2018 3.125.914.000.000 3.27%
2019 3.204.449.000.000 2.45%
2020 3.610.925.000.000 11.26%
2021 4.112.499.000.000 12.2%
2022 4.136.870.000.000 0.59%
2023 423.559.000.000 -876.69%
2023 4.336.303.000.000 90.23%
2024 4.441.700.000.000 2.37%

The Oita Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4350.2
Net Income per Share
489.72
Price to Earning Ratio
6.46x
Price To Sales Ratio
0.72x
POCF Ratio
20.3
PFCF Ratio
20.2
Price to Book Ratio
0.23
EV to Sales
24.9
EV Over EBITDA
434.6
EV to Operating CashFlow
694.65
EV to FreeCashFlow
694.65
Earnings Yield
0.15
FreeCashFlow Yield
0.05
Market Cap
49,50 Bil.
Enterprise Value
1.701,90 Bil.
Graham Number
12261.25
Graham NetNet
-344474.9

Income Statement Metrics

Net Income per Share
489.72
Income Quality
0.37
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.72
EBT Per Ebit
1.84
Ebit per Revenue
0.08
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.3
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.96
Operating Profit Margin
0.08
Pretax Profit Margin
0.16
Net Profit Margin
0.11

Dividends

Dividend Yield
0.03
Dividend Yield %
3.16
Payout Ratio
0
Dividend Per Share
100

Operating Metrics

Operating Cashflow per Share
155.94
Free CashFlow per Share
155.94
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-61.761,99
Book Value per Share
13.648,73
Tangible Book Value per Share
-211963.46
Shareholders Equity per Share
13643.89
Interest Debt per Share
43699.85
Debt to Equity
3.18
Debt to Assets
0.15
Net Debt to EBITDA
421.96
Current Ratio
3.24
Tangible Asset Value
-3.330,16 Bil.
Net Current Asset Value
-3.450,72 Bil.
Invested Capital
4259096000000
Working Capital
685,27 Bil.
Intangibles to Total Assets
0.76
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
13.78

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Oita Bank, Ltd. Dividends
Year Dividends Growth
2001 5
2002 5 0%
2003 5 0%
2004 5 0%
2005 3 -66.67%
2006 7 50%
2007 6 0%
2008 6 0%
2009 6 0%
2010 6 0%
2011 6 0%
2012 6 0%
2013 4 -50%
2014 6 33.33%
2015 8 14.29%
2016 7 0%
2017 7 0%
2018 85 91.76%
2019 80 -6.25%
2020 80 0%
2021 80 0%
2022 80 0%
2023 95 15.79%
2024 100 5%
2025 0 0%

The Oita Bank, Ltd. Profile

About The Oita Bank, Ltd.

The Oita Bank, Ltd. provides various banking products and services to individual and corporate clients primarily in Oita Prefecture, Japan. It operates through Banking and Lease segments. The company engages in accepting deposits; providing loans; discounting bills; and buying and selling marketable securities and other financial instruments. It also offers leasing and credit card, financial instruments handling, and foreign exchange services. As of September 30, 2021, it operated through 93 branches and 33 money exchange offices. The Oita Bank, Ltd. was founded in 1893 and is headquartered in Oita, Japan.

CEO
Mr. Yasuhide Takahashi
Employee
1.715
Address
4-1, Funaimachi 3-chome
Oita, 870-0021

The Oita Bank, Ltd. Executives & BODs

The Oita Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Hideki Takahashi
Executive Officer & GM of Regional Creation Department
70
2 Mr. Nobuhiko Okamatsu
MD & Chief of Business Strategy Division
70
3 Mr. Katsuhiko Ueki
Managing Executive Officer & Beppu and Tsurumi Branch Manager
70
4 Mr. Hiroaki Shimonomura
MD & Director
70
5 Mr. Suzuki Shigeyuki
Assistant General Manager
70
6 Yasunori Sato
Managing Executive Officer, Head Office Sales Manager & Manager of East Branch
70
7 Mr. Yasuhide Takahashi
President, Chief Executive Officer & Representative Director
70

The Oita Bank, Ltd. Competitors