Oita BankTSE:8392 +2.77%50 Net Margin % is 12.12% as of Mar. 2026, which is 20% above its 10-year median of 10.11. GuruFocus rates TSE:8392 with a GF Score™ of 50/100 and a GF Value™ of 円851.03 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Oita Bank ranks worse than 84.68% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Oita Bank's Net Income for the
three
months ended in Mar. 2026 was 円3,109 Mil. Oita Bank's Revenue for the
three
months ended in Mar. 2026 was 円25,658 Mil. Therefore, Oita Bank's net margin for the quarter that ended in Mar. 2026 was 12.12%.
The historical rank and industry rank for Oita Bank's Net Margin % or its related term are showing as below:
TSE:8392'
s Net Margin % Range Over the Past 10 Years
Min: 6.59 Med: 10.11 Max: 13.53
Current: 12.71
TSE:8392's Net Margin % is ranked worse than 84.68% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8392: 12.71
Oita Bank (TSE:8392) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Oita Bank Net Margin % Related Terms
Oita Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Oita Bank's Net Margin % 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.
For the Banks - Regional subindustry, Oita Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oita Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Oita Bank's Net Margin % falls into.
* 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 (TSE:8392) has a Net Margin % of 12.12% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Oita Bank and its competitors. This is 20% above median its historical median of 10.11. Over the past decade, Oita Bank's Net Margin % has ranged from 6.59 to 13.53. According to the industry distribution chart, Oita Bank ranks #1293 out of 1527 companies in the Banks industry, placing it in the top 84.7%.
Is Oita Bank's Net Margin % too high?
Oita Bank's current Net Margin % of 12.12% is 20% above median its 10-year median of 10.11. Over the past 10 years, this metric has ranged from a low of 6.59 to a high of 13.53. The Banks industry median Net Margin % is 26.95. Oita Bank's value of 12.12% is 55% below this industry median. Based on the distribution chart, Oita Bank ranks #1293 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Oita Bank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oita Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Oita Bank ranks #1293 out of 1527 companies for Net Margin %. This places Oita Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Oita Bank's value of 12.12% is 55% below this benchmark. Historically, Oita Bank's own Net Margin % has ranged from 6.59 to 13.53 over the past decade. While the company's 10-year median is 10.11 vs. the industry median of 26.95, Oita Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oita Bank's current Net Margin % of 12.12% is 55% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Oita Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oita Bank's current Net Margin % is 12.12%, which is 20% above median its own 10-year median of 10.11. 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?
Based on GuruFocus' analysis, Oita Bank (TSE:8392) is currently considered Significantly Overvalued. The stock's GF Value™ is 円851.03, compared to a current price of 円2,336.00 — trading 174.5% above its estimated fair value. The current Net Margin % is 12.12%, which is 20% above median its 10-year median of 10.11 and 55% below the Banks industry median of 26.95. Oita Bank's overall GF Score™ is 50/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Oita Bank (TSE:8392), the current Net Margin % is 12.12% 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 (TSE:8392) Overvalued in 2026?
Based on GuruFocus' analysis, Oita Bank stock appears to be overvalued.
The current stock price of 円2,336.00 is trading 174.5% above its estimated GF Value™ of 円851.03.
GuruFocus considers Oita Bank to be Significantly Overvalued.
Key valuation signals for TSE:8392:
Net Margin %: 12.12% (20% above median its 10-year median of 10.11)
GF Value™: 円851.03 vs. price of 円2,336.00 (174.5% above fair value)
Industry Position: 55% below the Banks median (#1293 of 1527)
No single metric tells the full story. See the TSE:8392 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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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