The Oita Bank, Ltd. (8392.T)

The Oita Bank, Ltd. (8392.T) — VMCI valuation read

8392.T screens at VMCI 57/100, a 7-point gap above the Financial Services sector median (50). For a mid-cap The Oita Bank, Ltd. share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.

8392.T has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.

**Investor frame.** Value: 8392.T trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%), the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of -1.3x leaves covenant headroom, which sets the rate-cycle exposure for The Oita Bank, Ltd..

8392.T fell 0.4% over the trailing 7 days, with a -9.6% read on a 30-day basis.