OITAF (Oita Bank) Retained Earnings: $1,066.3 Mil (As of Mar. 2026)


OITAF Oita Bank Ltd OITAF
49 GF Score
Price $4.31
GF Value $1.47
! 6 Warning Signs
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What is Oita Bank Retained Earnings?

Oita Bank OITAF 49 Retained Earnings is $1,066.3 Mil as of Mar. 2026. GuruFocus rates OITAF with a GF Score™ of 49/100 and a GF Value™ of $1.47. The stock has 6 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Oita Bank's retained earnings for the quarter that ended in Mar. 2026 was $1,066.3 Mil.

Oita Bank's quarterly retained earnings declined from Sep. 2025 ($1,111.3 Mil) to Dec. 2025 ($1,065.2 Mil) but then increased from Dec. 2025 ($1,065.2 Mil) to Mar. 2026 ($1,066.3 Mil).

Oita Bank's annual retained earnings increased from Mar. 2024 ($1,048.3 Mil) to Mar. 2025 ($1,079.0 Mil) but then declined from Mar. 2025 ($1,079.0 Mil) to Mar. 2026 ($1,066.3 Mil).


Oita Bank  (OTCPK:OITAF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Oita Bank Retained Earnings Historical Data

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The historical data trend for Oita Bank's Retained Earnings 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.

Oita Bank Retained Earnings Chart

Oita Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,242.99 1,135.26 1,048.29 1,079.03 1,066.33

Oita Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,079.03 1,129.42 1,111.33 1,065.25 1,066.33
OITAF
49GF Score
Oita Bank Ltd OITAF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Oita Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $1,066.3 Mil mean?
Oita Bank (OITAF) has a Retained Earnings of $1,066.3 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Oita Bank and its competitors.
Is Oita Bank's Retained Earnings too high?
Oita Bank's current Retained Earnings is $1,066.3 Mil. 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 Retained Earnings compare to competitors?
Oita Bank's Retained Earnings of $1,066.3 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Oita Bank and its competitors. Oita Bank's current Retained Earnings is $1,066.3 Mil. 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 Retained Earnings of $1,066.3 Mil. The stock's GF Value™ is $1.47, compared to a current price of $4.31 — trading 193.2% above its estimated fair value. The current Retained Earnings is $1,066.3 Mil. Oita Bank's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Oita Bank (OITAF), the current Retained Earnings is $1,066.3 Mil 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 (OITAF) Overvalued in 2026?

Based on GuruFocus' analysis, Oita Bank stock appears to be overvalued. The current stock price of $4.31 is trading 193.2% above its estimated GF Value™ of $1.47.

Key valuation signals for OITAF:

  • Retained Earnings: $1,066.3 Mil
  • GF Value™: $1.47 vs. price of $4.31 (193.2% above fair value)
  • GF Score™: 49/100 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.
49GF Score

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

$4.31
Price
$1.47
GF Value