OITAF (Oita Bank) E10: $0.19 (As of Mar. 2026)


OITAF Oita Bank Ltd OITAF
49 GF Score
Price $4.31
GF Value $1.63
! 5 Warning Signs
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What is Oita Bank E10?

Oita Bank OITAF 49 E10 is $0.19 as of Mar. 2026. GuruFocus rates OITAF with a GF Score™ of 49/100 and a GF Value™ of $1.63. The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Oita Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.257. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.19 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Oita Bank's average E10 Growth Rate was 3.30% per year. During the past 3 years, the average E10 Growth Rate was 0.50% per year. During the past 5 years, the average E10 Growth Rate was 0.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Oita Bank was 10.80% per year. The lowest was -1.70% per year. And the median was -0.50% per year.

As of today (2026-06-27), Oita Bank's current stock price is $4.31. Oita Bank's E10 for the quarter that ended in Mar. 2026 was $0.19. Oita Bank's Shiller PE Ratio of today is 22.68.

During the past 13 years, the highest Shiller PE Ratio of Oita Bank was 28.77. The lowest was 3.78. And the median was 7.05.


Oita Bank  (OTCPK:OITAF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Oita Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.31/0.19
=22.68

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Oita Bank was 28.77. The lowest was 3.78. And the median was 7.05.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Oita Bank E10 Related Terms


Oita Bank E10 Historical Data

* Premium members only.

The historical data trend for Oita Bank's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Oita Bank E10 Chart

Oita Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.77 0.54 0.36 0.50 0.19

Oita Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.50 0.43 0.33 0.27 0.19

Oita Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Oita Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Oita Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Oita Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Oita Bank's Shiller PE Ratio falls into.


OITAF
49GF Score
Oita Bank Ltd OITAF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Oita Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Oita Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.257/112.7000*112.7000
=0.257

Current CPI (Mar. 2026) = 112.7000.

Oita Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.436 98.100 0.501
201609 0.119 98.000 0.137
201612 0.132 98.400 0.151
201703 0.086 98.100 0.099
201706 0.393 98.500 0.450
201709 0.256 98.800 0.292
201712 0.085 99.400 0.096
201803 -0.172 99.200 -0.195
201806 0.319 99.200 0.362
201809 0.157 99.900 0.177
201812 0.205 99.700 0.232
201903 -0.129 99.700 -0.146
201906 0.233 99.800 0.263
201909 0.010 100.100 0.011
201912 0.154 100.500 0.173
202003 0.138 100.300 0.155
202006 0.214 99.900 0.241
202009 -0.049 99.900 -0.055
202012 0.304 99.300 0.345
202103 -0.033 99.900 -0.037
202106 0.325 99.500 0.368
202109 0.089 100.100 0.100
202112 0.181 100.100 0.204
202203 0.015 101.100 0.017
202206 0.227 101.800 0.251
202209 0.038 103.100 0.042
202212 0.212 104.100 0.230
202303 0.027 104.400 0.029
202306 0.204 105.200 0.219
202309 0.079 106.200 0.084
202312 0.154 106.800 0.163
202403 0.131 107.200 0.138
202406 0.276 108.200 0.287
202409 0.025 108.900 0.026
202412 0.256 110.700 0.261
202503 0.067 111.100 0.068
202506 0.296 111.700 0.299
202509 0.102 112.000 0.103
202512 0.257 113.000 0.256
202603 0.257 112.700 0.257

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.19 mean?
Oita Bank (OITAF) has a E10 of $0.19 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Oita Bank and its competitors.
Is Oita Bank's E10 too high?
Oita Bank's current E10 is $0.19. Overall, Oita Bank has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Oita Bank's E10 compare to competitors?
Oita Bank's E10 of $0.19 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Oita Bank and its competitors. Oita Bank's current E10 is $0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oita Bank stock overvalued right now?
Oita Bank (OITAF) has a current E10 of $0.19. The stock's GF Value™ is $1.63, compared to a current price of $4.31 — trading 164.4% above its estimated fair value. The current E10 is $0.19. Oita Bank's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Oita Bank (OITAF), the current E10 is $0.19 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Oita Bank (OITAF) Overvalued in 2026?

Based on GuruFocus' analysis, Oita Bank stock appears to be overvalued. The current stock price of $4.31 is trading 164.4% above its estimated GF Value™ of $1.63.

Key valuation signals for OITAF:

  • E10: $0.19
  • GF Value™: $1.63 vs. price of $4.31 (164.4% above fair value)
  • GF Score™: 49/100 with 5 warning signs

No single metric tells the full story. See the OITAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Oita Bank Business Description

Other Exchanges 8392:Japan
Address 3-4-1, Funai-cho, Oita, JPN, 870-8601
Oita Bank Ltd is a Japanese regional bank operating primarily in the Oita prefecture, located in the southwest of the nation's archipelago. The bank emphasizes a community-based strategy to create value alongside its operating region. It provides financial services to businesses and individuals, including banking, leasing, and credit cards. A majority of the bank's earning assets are in loans and bills discounted, followed by investment securities. Most of the bank's income is overwhelmingly net interest income, followed by fees and commissions.
49GF Score

Get the complete analysis for OITAF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.31
Price
$1.63
GF Value