Company DescriptionThe Chiba Bank, Ltd., together with its subsidiaries, provides banking products and services in Japan and internationally. It offers various deposit products; and various loans and bills discounting products, as well as investment management and investment advisory services. The company also engages in securities, leasing, credit card, and credit guarantee business; management and collection of claims; and outsourcing of operational business. In addition, it rents and maintains office buildings and welfare facilities; purchases and sells supplies and consumer goods; and develops and sells software, and commissioned computation tasks. Further, the company provides housing loan guarantees and fee collection services; information, survey, and consulting services; and accounting, general administration entrustment, and temporary staff services. Additionally, it engages in the research and investigation of IT and financial technologies; and operation and management of investment funds, and M&A advisory services. The company serves individuals, and small and mid-sized enterprises. As of June 25, 2021, it operated 186 domestic offices, including 183 branches and 3 money exchange counters; 3 overseas branches in New York, Hong Kong, and London; and 3 overseas representative offices in Shanghai, Singapore, and Bangkok. The company was incorporated in 1943 and is headquartered in Chiba, Japan.

How the Company Makes Money

Chiba Bank Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Breakdown
Income Statement		Total Revenue
251.29B	222.54B	224.22B	207.76B	202.03B	199.15B
	Gross Profit
258.70B	270.48B	224.22B	207.76B	202.03B	199.15B
	EBIT
90.70B	91.02B	77.23B	68.47B	62.10B	60.74B
	EBITDA
103.22B	0.00	96.11B	88.29B	80.82B	76.81B
	Net Income Common Stockholders
64.06B	62.44B	60.28B	54.50B	49.64B	48.04B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
370.50B	4.69T	4.07T	4.20T	3.62T	1.93T
	Total Assets
10.26T	21.32T	19.79T	19.10T	17.90T	15.61T
	Total Debt
187.09B	3.41T	2.14T	2.13T	1.75T	860.53B
	Net Debt
-183.41B	-4.69T	-1.92T	-2.07T	-1.87T	-1.07T
	Total Liabilities
9.66T	20.14T	1.67T	18.05T	16.86T	14.68T
	Stockholders Equity
592.46B	1.18T	1.06T	1.06T	1.04T	929.33B
Cash Flow		Free Cash Flow
9.64B	777.71B	-31.60B	699.59B	1.89T	-86.00M
	Operating Cash Flow
9.64B	384.52B	-20.38B	710.04B	1.91T	20.95B
	Investing Cash Flow
0.00	-136.01B	-88.49B	-81.37B	-182.83B	-102.95B
	Financing Cash Flow
0.00	371.60B	-29.09B	-41.37B	-14.12B	-22.03B

Chiba Bank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (64)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CHBAF		$6.41B	13.22	6.30%	2.93%	―	―
Sector *	64 Neutral	$12.87B	9.81	7.76%	16985.65%	12.28%	-7.83%
CCRDF		$7.29B	13.66	6.37%	2.99%	―	―
FKKFF		$5.27B	11.26	7.30%	3.17%	―	―
HACBF		$3.98B	12.38	4.56%	3.37%	―	―
7167	71 Outperform	¥648.84B	12.24		2.24%	2.02%	92.64%
5831	68 Neutral	¥923.06B	12.43		3.54%	-2.86%	34.66%

* Financial Sector Average

Performance Comparison

CHBAF

Chiba Bank

9.03

0.20

2.27%

CCRDF

Concordia Financial Group

6.42

0.72

12.63%

FKKFF

Fukuoka Financial Group

28.18

1.13

4.18%

HACBF

Hachijuni Bank

8.22

1.91

30.27%

JP:5831

Shizuoka Financial Group, Inc.

1,694.50

205.68

13.81%

JP:7167

Mebuki Financial Group, Inc.

714.30

122.36

20.67%

Glossary

OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.

NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.

UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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