Oita BankOITAF 49 PB Ratio is 0.21 as of Jun. 27, 2026, which is 9% below its 10-year median of 0.23. 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. Among 1,516 Banks companies, Oita Bank ranks better than 79.09% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-27), Oita Bank's share price is $4.31. Oita Bank's Book Value per Share for the quarter that ended in Mar. 2026 was $20.46. Hence, Oita Bank's PB Ratio of today is 0.21.
Warning Sign:
Oita Bank Ltd stock PB Ratio (=0.69) is close to 10-year high of 0.74.
The historical rank and industry rank for Oita Bank's PB Ratio or its related term are showing as below:
OITAF'
s PB Ratio Range Over the Past 10 Years
Min: 0.12 Med: 0.23 Max: 0.74
Current: 0.69
During the past 13 years, Oita Bank's highest PB Ratio was 0.74. The lowest was 0.12. And the median was 0.23.
OITAF's PB Ratio is ranked better than 79.09% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs OITAF: 0.69
During the past 12 months, Oita Bank's average Book Value Per Share Growth Rate was 18.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Oita Bank was 13.00% per year. The lowest was -10.50% per year. And the median was 2.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Oita Bank PB Ratio Related Terms
Oita Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Oita Bank's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oita Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Oita Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Oita Bank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Oita Bank (OITAF) has a PB Ratio of 0.21 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oita Bank and its competitors. This is near median its historical median of 0.23. Over the past decade, Oita Bank's PB Ratio has ranged from 0.12 to 0.74. According to the industry distribution chart, Oita Bank ranks #317 out of 1516 companies in the Banks industry, placing it in the top 20.9%.
Is Oita Bank's PB Ratio too high?
Oita Bank's current PB Ratio of 0.21 is near median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.74. The Banks industry median PB Ratio is 1.09. Oita Bank's value of 0.21 is 80.7% below this industry median. Based on the distribution chart, Oita Bank ranks #317 out of 1516 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, Oita Bank ranks #317 out of 1516 companies for PB Ratio. This places Oita Bank in the top 21% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. Oita Bank's value of 0.21 is 80.7% below this benchmark. Historically, Oita Bank's own PB Ratio has ranged from 0.12 to 0.74 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oita Bank's current PB Ratio of 0.21 is 80.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oita Bank and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oita Bank's current PB Ratio is 0.21, which is near median its own 10-year median of 0.23. 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 PB Ratio of 0.21. 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 PB Ratio is 0.21, which is near median its 10-year median of 0.23 and 80.7% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Oita Bank (OITAF), the current PB Ratio is 0.21 as of Jun. 27, 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:
PB Ratio: 0.21 (near median its 10-year median of 0.23)
GF Value™: $1.63 vs. price of $4.31 (164.4% above fair value)
Industry Position: 80.7% below the Banks median (#317 of 1516)
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 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
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