Chiba Bank (8331) AI Stock Analysis

• Market Cap: $1.08T
• Dividend Yield: 2.64%
• Average Volume (3M): 2.36M
• Price to Earnings (P/E): 14.2
• Beta (1Y): 1.35
• Revenue Growth: 11.33%
• EPS Growth: 20.11%
• Country: JP
• Employees: 4,076
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 31.71
• Shares Outstanding: 805,521,060
• 10 Day Avg. Volume: 2,705,760
• 30 Day Avg. Volume: 2,361,370
• PEG Ratio: 0.66
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 3.78
• P/FCF Ratio: 106.45
• Enterprise Value/Market Cap: 0.28
• Enterprise Value/Revenue: 1.00
• Enterprise Value/Gross Profit: 1.19
• Enterprise Value/Ebitda: 2.83
• 1Y Price Target: $1,636.11
• Price Target Upside: 9.33% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ¥1,443.00 ▼(-3.58% Downside)

Chiba Bank's stock score is driven by strong financial performance, particularly in revenue growth and profitability, supported by favorable technical indicators. Valuation metrics are solid, offering a balanced risk-reward profile. The lack of earnings call and corporate events data did not affect the score calculation.

Chiba Bank Business Overview & Revenue Model

Company Description

The 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 primarily generates revenue through its core banking operations, which include interest income from loans and advances to customers, as well as interest earned on securities investments. The bank's main revenue streams consist of net interest income, which is derived from the difference between the interest earned on loans and the interest paid on deposits. Additionally, Chiba Bank earns fee income from services such as account maintenance, transaction fees, and wealth management services. The bank also benefits from its extensive network of branches and ATMs, enhancing customer accessibility and engagement. Strategic partnerships with local businesses and government entities further contribute to its revenue through collaborative financial projects and lending initiatives.

Chiba Bank Financial Statement Overview

Summary

Chiba Bank exhibits strong financial performance with robust revenue growth, high profitability margins, and a stable balance sheet. The bank's equity position is solid, and it shows effective leverage management. However, inconsistencies in free cash flow are a concern, which slightly reduces the overall score.

Income Statement

Chiba Bank has demonstrated consistent revenue growth, evidenced by a significant increase in total revenue from 2020 to 2025. The gross profit margin remains strong, indicating effective cost management. Net profit margin is healthy, showcasing profitability. The EBIT and EBITDA margins also reflect solid operational efficiency. The steady revenue growth trajectory and high profitability margins are notable strengths for the bank.

Balance Sheet

The bank maintains a strong equity position with a healthy equity ratio, reflecting financial stability. The debt-to-equity ratio is moderate, suggesting manageable leverage levels. Return on Equity (ROE) is robust, indicating effective use of shareholder funds to generate profits. Overall, the balance sheet reflects a stable financial position, though the high total liabilities are a potential risk.

Cash Flow

Chiba Bank's cash flow generation is mixed. While operating cash flow is positive, there is significant variability in free cash flow across years, indicating potential challenges in cash generation consistency. The operating cash flow to net income ratio suggests a decent conversion rate of profits into cash flows, though the fluctuations in free cash flow imply some cash management risks.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	307.63B	263.81B	286.90B	240.37B	213.48B	209.20B
Gross Profit	258.45B	251.46B	222.54B	220.76B	213.48B	209.20B
EBITDA	108.51B	117.27B	100.34B	96.11B	88.29B	80.82B
Net Income	76.01B	74.26B	62.44B	60.28B	54.50B	49.64B
Balance Sheet
Total Assets	22.25T	21.63T	21.32T	19.79T	19.10T	17.90T
Cash, Cash Equivalents and Short-Term Investments	4.52T	4.26T	4.69T	4.07T	4.20T	3.62T
Total Debt	3.89T	3.38T	3.41T	2.14T	2.13T	1.75T
Total Liabilities	21.07T	20.49T	20.14T	18.73T	18.05T	16.86T
Stockholders Equity	1.18T	1.15T	1.18T	1.06T	1.06T	1.04T
Cash Flow
Free Cash Flow	0.00	9.37B	-1.44B	-31.60B	699.59B	1.89T
Operating Cash Flow	0.00	24.24B	384.52B	-20.38B	710.04B	1.91T
Investing Cash Flow	0.00	-392.51B	-136.01B	-88.49B	-81.37B	-182.83B
Financing Cash Flow	0.00	-65.05B	371.60B	-29.09B	-41.37B	-14.12B

Chiba Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1496.50
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8331, the sentiment is Positive. The current price of 1496.5 is above the 20-day moving average (MA) of 1488.20, below the 50-day MA of 1502.36, and above the 200-day MA of 1353.23, indicating a neutral trend. The MACD of 2.95 indicates Negative momentum. The RSI at 49.99 is Neutral, neither overbought nor oversold. The STOCH value of 59.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8331.

Chiba Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8359	76 Outperform	$722.36B	14.07	5.13%	3.13%	7.25%	134.48%
8331	73 Outperform	$1.08T	14.15	6.63%	2.64%	11.33%	20.11%
7186	72 Outperform	$1.28T	14.79	6.86%	2.95%	13.73%	28.01%
5831	72 Outperform	¥1.15T	15.09	―	2.84%	-1.35%	24.12%
7167	71 Outperform	¥839.97B	15.22	―	2.21%	13.30%	40.85%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8354	61 Neutral	$874.88B	11.63	7.77%	3.48%	10.63%	12.90%

Chiba Bank Corporate Events

Chiba Bank to Acquire Own Shares to Boost Shareholder Returns

The Chiba Bank has announced a resolution to acquire up to 12 million of its own shares, representing 1.69% of its issued shares, with a total acquisition cost of up to 15 billion yen. This move is aimed at enhancing shareholder returns by improving capital efficiency, reflecting the bank’s strategic focus on optimizing financial performance and shareholder value.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank and Chiba Kogyo Bank Explore Management Consolidation

The Chiba Bank and The Chiba Kogyo Bank have signed a memorandum of understanding to explore a management consolidation by establishing a holding company. This move aims to enhance regional financial capabilities and address complex regional challenges while respecting each bank’s autonomy. The consolidation seeks to strengthen customer solutions, improve productivity, and create new growth opportunities for employees amid increasing competition in the financial sector.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank Clarifies Media Reports on Potential Integration

Chiba Bank has acknowledged media reports regarding potential business integration with Chiba Kogyo Bank but clarified that no concrete decisions have been made yet. The banks are in discussions, and Chiba Bank will make announcements once decisions are finalized, highlighting the ongoing strategic considerations in the banking sector.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank Reports Strong Q1 2025 Earnings Growth

Chiba Bank, Ltd. is a financial institution based in Japan, primarily engaged in providing banking services such as deposits, loans, and foreign exchange, with a focus on contributing to local community development.

Chiba Bank Reports Strong Financial Performance for Q1 FY2025

Chiba Bank reported its financial results for the first three months of fiscal year 2025, showing a significant increase in ordinary income by 16.7% and a rise in profit attributable to owners by 8.7% compared to the previous year. The bank’s strong performance reflects its stable financial condition, with total assets reaching ¥22,249,418 million and a consistent capital assets to total assets ratio of 5.2%, indicating robust operational efficiency and a positive outlook for stakeholders.

The most recent analyst rating on (JP:8331) stock is a Buy with a Yen1570.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.