How does OITA.F's PE Ratio compare to its peers?

OITA.F is good value based on its Price-To-Earnings Ratio (6.9x) compared to the peer average (12.5x).

How does OITA.F's PE Ratio compare vs other companies in the US Banks Industry?

OITA.F is good value based on its Price-To-Earnings Ratio (6.9x) compared to the US Banks industry average (12.4x).

What is OITA.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate OITA.F's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of OITA.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

OITA.F ($21.55) is trading above our estimate of [[fair value]] ($1.51)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

OITA.F Stock Overview

Provides various banking products and services to individual and corporate clients primarily in Japan. More details

OITA.F fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (6.9x) is below the US market (18.3x)

Earnings grew by 21.9% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

The Oita Bank, Ltd. Competitors

Citizens Financial Services

NasdaqCM:CZFS

US$315.0m

BayCom

NasdaqGS:BCML

US$296.0m

Civista Bancshares

NasdaqCM:CIVB

US$335.7m

Heartland BancCorp

OTCPK:HLAN

US$309.1m

Price History & Performance

Summary of share price highs, lows and changes for Oita Bank
Historical stock prices
Current Share Price	JP¥21.55
52 Week High	JP¥21.55
52 Week Low	JP¥21.30
Beta	0.33
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	40.39%
5 Year Change	n/a
Change since IPO	-43.29%

Recent updates

Shareholder Returns

	OITA.F	US Banks	US Market
7D	0%	-3.4%	-2.2%
1Y	n/a	29.3%	23.9%

Return vs Industry: Insufficient data to determine how OITA.F performed against the US Banks industry.

Return vs Market: Insufficient data to determine how OITA.F performed against the US Market.

Price Volatility

Is OITA.F's price volatile compared to industry and market?
OITA.F volatility
OITA.F Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: OITA.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine OITA.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1892	1,715	Yasuhide Takahashi	www.oitabank.co.jp

The Oita Bank, Ltd. provides various banking products and services to individual and corporate clients primarily in Japan. The company offers general saving, fixed deposit, and foreign currency deposit accounts; public bonds, investment trust; housing, business, car, education, renovation, flexible, and empty house demolition and utilization loans; reverse mortgage; and insurance services. It also provides safe deposit box; internet banking; payment; foreign currency; mail order; web account transfer reception and fund transfer acceptance; consultation; forex web; debit and credit card; and foreign remittance services.

The Oita Bank, Ltd. Fundamentals Summary

How do Oita Bank's earnings and revenue compare to its market cap?
OITA.F fundamental statistics
Market cap	US$310.43m
Earnings (TTM)	US$44.79m
Revenue (TTM)	US$439.88m

6.9x

P/E Ratio

0.2x

P/B Ratio

Is OITA.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OITA.F income statement (TTM)
Revenue	JP¥69.12b
Cost of Revenue	JP¥0
Gross Profit	JP¥69.12b
Other Expenses	JP¥62.08b
Earnings	JP¥7.04b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 10, 2025

Earnings per share (EPS)	453.09
Gross Margin	100.00%
Net Profit Margin	10.18%
Debt/Equity Ratio	292.1%

How did OITA.F perform over the long term?

See historical performance and comparison

Dividends

3.2%

Current Dividend Yield

22%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 14:39
End of Day Share Price	2024/12/10 00:00
Earnings	2024/09/30
Annual Earnings	2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

The Oita Bank, Ltd. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Pooja Dabas	Virtua Research Inc.