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The Oita Bank, Ltd. logo

The Oita Bank, Ltd.

8392.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥2,691

−¥72.00 · -2.61%

Aug 24, 3:30 PM JST

8392.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP

Market position

Day range

Current ¥2,691

52-week range

Current ¥2,691

Open
¥2,809
Previous close
¥2,763
Volume
199.6K
Market cap
203.23B JPY
50-day average
¥2,561.44
+5.06% above average
200-day average
¥1,958.95
+37.37% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
56.42B JPY
P/E (TTM)
18.07×
P/B (TTM)
0.77×
P/S (TTM)
1.98×
EV / EBITDA
3.51×
Earnings yield
7.48%
Free cash flow yield
55.43%
Dividend yield
1.26%

Profitability & efficiency

Gross margin
86.37%
Operating margin
13.57%
Net margin
10.93%
Return on equity
4.30%
Return on assets
0.23%
Return on invested capital
0.24%

Financial health

Debt / equity
1.44×
Current ratio
2.98×
Altman Z-score
0.25
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%72%35%-1%Gross margin, FY2022: 99.09%Gross margin, FY2023: 97.15%Gross margin, FY2024: 93.92%Gross margin, FY2025: 91.82%Gross margin, FY2026: 84.95%Operating margin, FY2022: 13.00%Operating margin, FY2023: 10.80%Operating margin, FY2024: 12.46%Operating margin, FY2025: 14.61%Operating margin, FY2026: 14.90%Net margin, FY2022: 10.04%Net margin, FY2023: 7.88%Net margin, FY2024: 9.28%Net margin, FY2025: 9.98%Net margin, FY2026: 10.81%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 99.09%. Gross margin FY2023 97.15%. Gross margin FY2024 93.92%. Gross margin FY2025 91.82%. Gross margin FY2026 84.95%. Operating margin FY2022 13.00%. Operating margin FY2023 10.80%. Operating margin FY2024 12.46%. Operating margin FY2025 14.61%. Operating margin FY2026 14.90%. Net margin FY2022 10.04%. Net margin FY2023 7.88%. Net margin FY2024 9.28%. Net margin FY2025 9.98%. Net margin FY2026 10.81%.

Income trends

Revenue

97.66B JPY+29.04%

Operating income

14.55B JPY+31.61%

Net income

10.56B JPY+39.72%
Income trends across reported periods106.89B JPY69.97B JPY33.06B JPY−3.85B JPYRevenue, FY2022: 53.54B JPYRevenue, FY2023: 68.67B JPYRevenue, FY2024: 70.46B JPYRevenue, FY2025: 75.68B JPYRevenue, FY2026: 97.66B JPYOperating income, FY2022: 6.96B JPYOperating income, FY2023: 7.42B JPYOperating income, FY2024: 8.78B JPYOperating income, FY2025: 11.06B JPYOperating income, FY2026: 14.55B JPYNet income, FY2022: 5.38B JPYNet income, FY2023: 5.41B JPYNet income, FY2024: 6.54B JPYNet income, FY2025: 7.56B JPYNet income, FY2026: 10.56B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 53.54B JPY. Revenue FY2023 68.67B JPY. Revenue FY2024 70.46B JPY. Revenue FY2025 75.68B JPY. Revenue FY2026 97.66B JPY. Operating income FY2022 6.96B JPY. Operating income FY2023 7.42B JPY. Operating income FY2024 8.78B JPY. Operating income FY2025 11.06B JPY. Operating income FY2026 14.55B JPY. Net income FY2022 5.38B JPY. Net income FY2023 5.41B JPY. Net income FY2024 6.54B JPY. Net income FY2025 7.56B JPY. Net income FY2026 10.56B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue97.66B JPY75.68B JPY70.46B JPY68.67B JPY53.54B JPY
Cost of goods sold14.7B JPY6.19B JPY4.29B JPY1.95B JPY489M JPY
Gross profit82.96B JPY69.49B JPY66.17B JPY66.72B JPY53.05B JPY
Selling, general, and administrative12.25B JPY12.13B JPY27.51B JPY27.13B JPY27.19B JPY
Operating expenses68.41B JPY58.44B JPY57.39B JPY59.3B JPY46.09B JPY
Interest income65.21B JPY49.99B JPY43.96B JPY44.12B JPY33.7B JPY
Interest expense13.74B JPY6.19B JPY4.29B JPY1.95B JPY489M JPY
Depreciation and amortization1.51B JPY1.66B JPY1.68B JPY1.54B JPY1.66B JPY
Operating income14.55B JPY11.06B JPY8.78B JPY7.42B JPY6.96B JPY
Net income10.56B JPY7.56B JPY6.54B JPY5.41B JPY5.38B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
52.19

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates55.5639.8824.28.52Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 11, 2024: actual 17.27, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 10, 2025: actual 39.7, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 10.02, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 43.12, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 15.1, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 40.42, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 41.14, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 52.19, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates31.16B26.74B22.32B17.89BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 11, 2024: actual 19.29B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 10, 2025: actual 19.98B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 19.09B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 21.58B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 23.02B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 24.87B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 29.96B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 27.86B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥29.00

2025 complete year+81.3% since 2021

2026 partial: ¥17.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥25.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥25.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥85.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 24, 2026

Dividend

Ex-dividend Sep 29, 2025

¥85.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥60.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 20, 2025

Dividend

Ex-dividend Sep 27, 2024

¥50.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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ETFs holding 8392.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
431.58M
Weight
0.01%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.7-0.07%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
16.25M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
10.89M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
4.31M
Weight
0.03%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
3.61M
Weight
0.03%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
2.56M
Weight
0.04%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.25+0.61%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
1.68M
Weight
0.01%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.26+0.87%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
1.34M
Weight
0.02%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.545+0.71%

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