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Leading regional bank in Oita prefecture, Kyushu, providing retail and SME banking services.
Leading regional bank in Oita prefecture, Kyushu, providing retail and SME banking services.
Earns mostly from the gap between loan interest and deposit costs, plus income on securities that Japanese regional banks hold in large amounts. Japan's long period of near-zero rates held down that gap, so the move away from it matters more here than the size of the loan book.
In one line: Oita's community bank.
Moat: narrow (regulatory licence, distribution). Long-standing deposit and branch leadership in Oita prefecture.
Headquarters: Oita, Japan · Employees: 1,626
Size Oita Bank (8392.T) is a Japan Financials company (Regional Banks) with a market value of $1.18B, the 668th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,394 on 6 Nov 2026.
Performance Over six months the shares gained 12.9%, against +7.3% for the median peer and +1.8% for the Japan market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 25.5% over the last twelve months (peer median +10.5%); the operating margin is 2.2% (peer median 41.3%).
Valuation It trades at 0.69× book value against a peer median of 1.22× (4th cheapest of 21).
Price implies The share price implies a return on equity of about 6.2%; Oita Bank delivers 4.7%, so the price asks more than the business earns today.
Next results Next results expected around 9 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥91.5B | ¥98.4B | ¥76.8B | ¥71.7B | ¥69.8B |
| Revenue growth | — | +28% | +7% | +3% | — |
| Net income | ¥11.2B | ¥10.6B | ¥7.55B | ¥6.54B | ¥5.41B |
| Free cash flow | n/a | ¥78.2B | ¥43.5B | ¥12.2B | ¥31.1B |
| Capital expenditure | n/a | ¥2.88B | ¥1.95B | ¥1.52B | ¥2.93B |
| Total debt | ¥380B | ¥536B | ¥649B | ¥650B | ¥520B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Oita Bank 8392.T | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% |
| Nishi-Nippon Financial 7189.T | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% |
| Miyazaki Bank 8393.T | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% |
| Fukuoka Financial 8354.T | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8392.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -30.0% | -1.1% | lowest of 21 |
| 6-month return | +12.9% | +7.3% | 7th highest of 21 |
| Return on equity | 4.7% | 12.5% | 3rd lowest of 21 |
| Price / book | 0.69× | 1.22× | 4th cheapest of 21 |
| Trailing P/E | 16.2× | 10.6× | most expensive of 21 |
| ROE the price implies | 6.2% | 9.4% | 5th least demanding of 21 |
| ROE delivered | 4.7% | 12.4% | 3rd lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Horizon Bancorp HBNC | United States | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% | 15.7% |
| CNB Financial CCNE | United States | $1.06B | +15% | +26% | 13% | 1.24× | 9.0% | 13.2% |
| Bank of Jiujiang 6190.HK | Hong Kong | $1.06B | +55% | -2% | 1% | 0.20× | 3.5% | 1.5% |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |