OITAF (Oita Bank) Moat Score: 0/10 (As of Jun. 29, 2026)


OITAF Oita Bank Ltd OITAF
50 GF Score
Price $4.31
GF Value $1.57
! 6 Warning Signs
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What is Oita Bank Moat Score?

Oita Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Oita Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Oita Bank might have No Moat - No discernible moat.

Oita Bank  (OTCPK:OITAF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Oita Bank Moat Score Related Terms

OITAF
50GF Score
Oita Bank Ltd OITAF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 174.5% above its estimated GF Value™ of $1.57.

Key valuation signals for OITAF:

  • Moat Score: 0
  • GF Value™: $1.57 vs. price of $4.31 (174.5% above fair value)
  • GF Score™: 50/100 with 6 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.
50GF Score

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

$4.31
Price
$1.57
GF Value