Financial Services
Live Price
Offline$4.31
+0.00% today
1Y Change
+0.00%
Window
Jun 27, 2025 → Jun 26, 2026
Coverage: 251 bars · Jun 27, 2025 → Jun 26, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Oita Bank Ltd. (OITAF) is a Financial Services stock with a market cap of $158.64B and listed on OTC. The stock last traded around $4.31 and up 0.0% across the available one-year price window (Jun 27, 2025 → Jun 26, 2026). Baseline metrics include revenue growth of +20.0%, EPS growth of +17.3%, a dividend yield of 1.6%. What stands out right now is revenue +20.0%, EPS +17.3%, free cash flow -83.7% with operating margin 23.7% and ROIC 0.3%. The dividend is present but secondary, with a yield around 1.6%. Valuation is more restrained than many high-expectation growth names at P/E 19.3 and price/sales 2.0. Stock Foundry combines OITAF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Edge
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
Relative Read
OITAF is 18.55 pts behind over the shared 1Y window.
OITAF had 9.13 pts shallower max drawdown than SPY.
OITAF beat SPY in 0 of 2 calendar years shown and trailed in 2.
OITAF
+0.00%
Normalized return
SPY
+18.55%
S&P 500
Excess Return
-18.55 pts
Relative to SPY
OITAF Max Drawdown
0.00%
Trailing 1Y
SPY Max Drawdown
-9.13%
Trailing 1Y
Uses the longest available daily history for OITAF and SPY.
| Year | OITAF | SPY | Excess | Leader |
|---|---|---|---|---|
| 2026 | 0.00% | +6.71% | -6.71 pts | SPY |
| 2025 | 0.00% | +11.73% | -11.73 pts | SPY |
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$55.4B
+3.5% YoY
FY Net Income
$3.6B
-32.8% YoY
Free Cash Flow
$339.5B
-27.6% YoY
Revenue Growth
+20.0%
EPS Growth
+17.3%
Gross Margin
68.8%
Net Margin
12.7%
Income statement
JPY
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 75.7B | 70.5B | 68.7B | 53.5B | 55.4B |
| Gross Profit | 69.5B | 66.2B | 66.7B | 53.1B | 54.9B |
| Operating Income | 11.1B | 8.8B | 7.4B | 7.0B | 6.3B |
| EBITDA | 12.7B | 10.5B | 9.0B | 8.6B | 8.2B |
| Net Income | 7.6B | 6.5B | 5.4B | 5.4B | 3.6B |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
JPY
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 781.1B | 872.9B | 725.9B | 942.7B | 512.7B |
| Total Assets | 4506.7B | 4554.2B | 4324.4B | 4310.6B | 3813.7B |
| Total Liabilities | 4298.1B | 4336.3B | 4136.9B | 4112.5B | 3610.9B |
| Shareholder Equity | 208.5B | 217.8B | 187.4B | 198.0B | 202.7B |
| Total Debt | 649.0B | 703.6B | 559.6B | 967.6B | 248.9B |
| Net Debt | 649.0B | -169.3B | -166.3B | 24.9B | -282.9B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
341.5B
-27.4% YoY
Capital Expenditures
2.1B
-50.4% YoY
Free Cash Flow
339.5B
-27.6% YoY
Key ratios
Gross Margin
68.8%
Operating Margin
23.7%
Net Margin
12.7%
ROE
3.7%
Debt / Equity
2.70x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.