Oita Bank (FSE:8392) GF Value Rank: 1 (As of Aug. 11, 2026) — 75% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FSE:8392 Oita Bank Ltd FSE:8392
52 GF Score
Price 円1,016.00
GF Value 円322.17
! 6 Warning Signs
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What is Oita Bank GF Value Rank?

Oita Bank FSE:8392 52 GF Value Rank is 1 as of Aug. 11, 2026, which is 75% below its 10-year median of 4.00. GuruFocus rates FSE:8392 with a GF Score™ of 52/100 and a GF Value™ of 円322.17. The stock has 6 warning signs investors should review.

Oita Bank has the GF Value Rank of 1.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Oita Bank GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, Oita Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Oita Bank's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Oita Bank's GF Value Rank falls into.


FSE:8392
52GF Score
Oita Bank Ltd FSE:8392
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 1 mean?
Oita Bank (FSE:8392) has a GF Value Rank of 1 as of Aug. 11, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Oita Bank and its competitors. This is 75% below median its historical median of 4.00. Over the past decade, Oita Bank's GF Value Rank has ranged from 1.00 to 10.00.
Is Oita Bank's GF Value Rank too high?
Oita Bank's current GF Value Rank of 1 is 75% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Oita Bank has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Oita Bank's GF Value Rank compare to competitors?
Oita Bank's GF Value Rank of 1 can be compared against companies in the Banks industry. Historically, Oita Bank's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Oita Bank and its competitors. Oita Bank's current GF Value Rank is 1, which is 75% below median its own 10-year median of 4.00. 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 GF Value Rank of 1. The stock's GF Value™ is 円322.17, compared to a current price of 円1,016.00 — trading 215.4% above its estimated fair value. The current GF Value Rank is 1, which is 75% below median its 10-year median of 4.00. Oita Bank's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Oita Bank (FSE:8392), the current GF Value Rank is 1 as of Aug. 11, 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 215.4% above its estimated GF Value™ of 円322.17.

Key valuation signals for FSE:8392:

  • GF Value Rank: 1 (75% below median its 10-year median of 4.00)
  • GF Value™: 円322.17 vs. price of 円1,016.00 (215.4% above fair value)
  • GF Score™: 52/100 with 6 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.
52GF Score

Get the complete analysis for FSE:8392

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

円1,016.00
Price
円322.17
GF Value