Oita Bank (FSE:8392) Margin of Safety % (DCF Earnings Based): 46.56% (As of Jun. 26, 2026)


FSE:8392 Oita Bank Ltd FSE:8392
49 GF Score
Price 円1,016.00
GF Value 円384.53
! 5 Warning Signs
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What is Oita Bank Margin of Safety % (DCF Earnings Based)?

Oita Bank FSE:8392 49 Margin of Safety % (DCF Earnings Based) is 46.56% as of Jun. 26, 2026. GuruFocus rates FSE:8392 with a GF Score™ of 49/100 and a GF Value™ of 円384.53. The stock has 5 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), Oita Bank's Predictability Rank is 2-Stars. Oita Bank's intrinsic value calculated from the Discounted Earnings model is 円1901.31 and current share price is 円1016.00. Consequently,

Oita Bank's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 46.56%.

Oita Bank Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Oita Bank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Oita Bank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Oita Bank's Margin of Safety % (DCF Earnings Based) falls into.


FSE:8392
49GF Score
Oita Bank Ltd FSE:8392
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Oita Bank Margin of Safety % (DCF Earnings Based) Calculation

Oita Bank's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(1901.31-1016.00)/1901.31
=46.56 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 46.56% mean?
Oita Bank (FSE:8392) has a Margin of Safety % (DCF Earnings Based) of 46.56% as of Jun. 26, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Oita Bank.
Is Oita Bank's Margin of Safety % (DCF Earnings Based) too high?
Oita Bank's current Margin of Safety % (DCF Earnings Based) is 46.56%. 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 Margin of Safety % (DCF Earnings Based) compare to competitors?
Oita Bank's Margin of Safety % (DCF Earnings Based) of 46.56% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Oita Bank. Oita Bank's current Margin of Safety % (DCF Earnings Based) is 46.56%. 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 (FSE:8392) has a current Margin of Safety % (DCF Earnings Based) of 46.56%. The stock's GF Value™ is 円384.53, compared to a current price of 円1,016.00 — trading 164.2% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 46.56%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Oita Bank (FSE:8392), the current Margin of Safety % (DCF Earnings Based) is 46.56% as of Jun. 26, 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 (FSE:8392) Overvalued in 2026?

Based on GuruFocus' analysis, Oita Bank stock appears to be overvalued. The current stock price of 円1,016.00 is trading 164.2% above its estimated GF Value™ of 円384.53.

Key valuation signals for FSE:8392:

  • Margin of Safety % (DCF Earnings Based): 46.56%
  • GF Value™: 円384.53 vs. price of 円1,016.00 (164.2% above fair value)
  • GF Score™: 49/100 with 5 warning signs

No single metric tells the full story. See the FSE:8392 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 FSE:8392

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円1,016.00
Price
円384.53
GF Value