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    Banks - Regional
The Oita Bank, Ltd.

The Oita Bank, Ltd.

OITAF
The Oita Bank, Ltd.US flagOther OTC
4.31
USD
- -
- -
325.51MMarket Cap
The Oita Bank, Ltd.
OITAF
(Other OTC)

Recent

price

4.31

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
629.44
611.52
637.43
632.02
683.35
731.66
708.93
734.26
725.74
731.52
696.98
672.96
845.54
837.88
893.3
- -
406.53
Revenue per Share
70.54
73.24
86.95
100.64
121.75
125.69
95.9
75.98
73.22
64.57
45.92
68.19
68.55
82.76
97.12
- -
42.35
Basic EPS, GAAP
440.95
1,391.3
735.81
815.92
246.52
1,198.16
951.09
-452.22
840.1
1,414.02
4,312.22
5,947.99
-1,253.04
1,660.97
-1,544.5
- -
- -
Free Cash Flow per Basic Share
12.06
12.15
12.2
14.15
12.25
15.01
14.27
14
16.72
15.97
15.99
15.97
15.98
18.97
20.23
- -
- -
Dividend per Share
1,226.19
1,305.87
1,402.68
1,487.58
1,655.51
1,808.16
1,867.15
1,928.51
1,985.91
2,033.19
2,066.07
2,118.2
2,171.48
2,236.79
2,319.41
- -
2,286.35
Book Value per Share
1,591.72
1,712.26
1,891.42
1,923.92
2,344.69
2,375.03
2,374.34
2,475.89
2,550.3
2,379.92
2,561.74
2,501.11
2,367.77
2,750.98
2,670.07
- -
2,715.7
Tangible Book Value per Share
85
85
83
82
79
77
79
79
79
79
79
79
79
79
78
- -
79
Basic Weighted Avg Shares
53,658
51,761
52,824
51,942
54,240
56,675
55,736
57,753
57,083
57,563
54,866
53,053
66,717
66,172
69,493
83,387
31,927
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3,307
3,433
3,226
4,101
3,699
4,031
3,774
3,404
2,197
1,935
1,878
1,662
1,536
1,681
1,660
1,511
- -
Depreciation Expense
6,013
6,199
7,206
8,271
9,664
9,736
7,540
5,976
5,759
5,081
3,615
5,376
5,409
6,536
7,555
10,595
3,326
Net Income, GAAP
48.44
44.12
29.58
40.4
38.17
29.72
24.01
35.1
19.86
40.51
42.8
22.74
27.08
25.52
31.66
27.32
24.5
Effective Tax Rate (%)
11.21
11.98
13.64
15.92
17.82
17.18
13.53
10.35
10.09
8.83
6.59
10.13
8.11
9.88
10.87
12.71
10.42
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
44,247
38,029
40,791
81,661
80,955
41,069
73,533
23,962
81,837
99,716
229,804
430,655
388,765
402,199
386,883
327,992
387,944
LT Debt
138,895
149,981
163,262
164,925
191,599
188,146
189,411
196,357
201,935
188,567
202,744
198,070
187,518
217,878
208,556
245,260
213,805
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.9
5.76
6.36
6.94
7.62
7.17
5.26
4
3.74
3.21
2.24
3.26
3.2
3.76
4.23
5.74
1.88
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
79
- -
78
Market Capitalization
32,510
34,388
30,705

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
872,896
- -
839,755
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3%
4.37%
17.6%
Free Cash Flow
-60.28%
-84.71%
83.7%
Net Income, GAAP
3.84%
25.2%
40.24%
Sales/Revenue/Turnover
4.36%
9.33%
19.99%
Total Cash Common Dividend
- -
- -
40.28%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17,840
16,405
14,337
17,590
66,172
2025
- -
- -
- -
- -
69,493
2026
- -
- -
- -
- -
83,387

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
28.95
- -
- -
- -
82.76
2025
- -
- -
- -
- -
97.12
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
18.97
2025
- -
- -
- -
- -
20.23
2026
- -
- -
- -
- -
- -
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Business
The Oita Bank, Ltd. (OITAF) operates as a regional bank primarily serving individual and corporate clients in Oita Prefecture, Japan; it provides comprehensive banking products and services including general savings accounts, fixed deposits, foreign currency deposits, public bonds, investment trusts, housing loans, business loans, car loans, education loans, renovation loans, flexible loans, empty house demolition and utilization loans, reverse mortgages, insurance products, safe deposit boxes, internet banking, debit and credit cards, foreign exchange services, commodity securities trading, futures trading, financial and economic surveys, research and management consulting, debt guarantees, and computer-related businesses; through its Leasing segment, it offers local leasing services; the Other segment encompasses credit card operations, trust guarantees, and ancillary financial activities. Founded in 1893 and headquartered in Oita, Japan, the bank maintains approximately 93 branches and 33 money exchange offices across Oita Prefecture in Kyushu, with a focus on community-based financial solutions for businesses and individuals in the region. Recent developments include an ongoing partnership with Nomura Securities Co., Ltd. for enhanced financial instrument services and wealth management synergies, alongside treasury stock repurchases announced in August 2025 totaling 300,000 shares for ¥1,000 million to optimize capital structure, issuance of stock compensation-type share options in June 2025, and consolidated financial results reported for the three months ended June 30, 2025 reflecting stable operations.