The Oita Bank, Ltd. (OITAF)
ValueMarkers Composite Index
82% below intrinsic value ($0)
The Oita Bank, Ltd. (OITAF) — VMCI valuation read
Across 120 indicators, The Oita Bank, Ltd. (OITAF) lands at VMCI 59/100. The Financial Services sector median is 50, so the 9-point above-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.
No material Form 4 disclosures landed on OITAF in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.
**Investor frame.** On Value, OITAF trades at 27.0x earnings, 50% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of 2.0x is the rate-sensitivity line to watch for OITAF on the trailing balance sheet.
OITAF fell 1.4% over the trailing 7 days, with a -12.8% read on a 30-day basis.
The Oita Bank, Ltd. provides various banking products and services to individual and corporate clients primarily in Japan. It operates through two segments, Banking and Leasing. The company offers general saving account; saving, time, current, and foreign currency deposit accounts; public bonds; investment trust; car, education, housing, renovation, card, free, business owner, and empty house demolition and utilization loans; reverse mortgage; and insurance services. It also provides point, campaign, internet banking, ATM, bank app and PayB, payment, foreign currency, mail order, web account transfer reception, fund transfer acceptance, consultation, forex web, debit and credit card, and foreign remittance services. In addition, the company offers inheritance and gift related services; safe deposit boxes; automatic pension receipt services; and pension plan services. As of September 30, 2022, it operated through 93 branches. The Oita Bank, Ltd. was founded in 1893 and is headquartered in Oita, Japan.
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