THE OITA BANK,LTD.

8392 TSE Financials Banks
TSE Prime
¥3,040.00
+0.83%
Delayed · cached 15 min

Fair value analysis

8392
THE OITA BANK,LTD.
FinancialsBanks
¥3,040.00
Close used for this calculation
¥3,162.68Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
31/100
Profitability15/25
Returns2/25
Balance Sheet3/25
Efficiency11/25
Growth16/25
Weak
Quality radar
31Prof.15/25Ret.2/25Eff.11/25B.Sht3/25Growth16/25

Consensus fair value

¥3,162.68
Near FV
▲ +4.0% against the close used
Model range ¥1,510.30 – ¥9,176.54
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear¥1,510.30Fair value¥3,162.68Bull¥9,176.54
FairClose
52-week traded range
52W low ¥944.0052W high ¥3,075.00

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

THE OITA BANK,LTD. closed at ¥3,040.00, 3.9% below the consensus fair value of ¥3,162.68 drawn from 8 valuation models.

Financial DNA score 31/100 — Weak. P/E of 21.8x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
¥2,774.69
-8.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥3,189.35
+4.9%
√(22.5 × EPS × BVPS)
EPS=139.79, BVPS=3234.04
P/E Fair Value
¥2,795.80
-8.0%
EPS × 20x (sector P/E)
EPS=139.79, Sector P/E=20x
Peter Lynch (PEG)
¥2,583.32
-15.0%
EPS × Growth% (PEG = 1 is fair)
EPS=139.79, g=18.5%
Dividend Discount (DDM)
¥9,176.54
+201.9%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=169.94, r=10%, g=8%
Book Value (P/B)
¥1,510.30
-50.3%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=3234.04, ROE=4.7%, g=6%, r=10%
Reverse DCF
¥3,040.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 8.3% | Historical: 18.5%
Margin of Safety
¥2,189.96
-28.0%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=2919.95, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.