Chiba Bank Ltd (JP:8331)
:8331
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Chiba Bank
(8331)
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Rating:75Outperform
Price Target:
¥2,246.00
▲(1.08% Upside)
Action:ReiteratedDate:02/04/26
The score is driven primarily by strong financial performance (especially revenue growth and profitability) and a stable balance sheet, partially offset by inconsistent free cash flow. Technicals support the uptrend, but overbought signals temper the outlook. Valuation is reasonable with a moderate dividend yield.
Positive Factors
Consistent revenue growth
Sustained revenue growth over multiple years indicates expanding core banking activity and client adoption. This durable top-line momentum supports future loan origination, fee income expansion, and reinvestment in digital and branch capabilities, strengthening long-term earnings power.
Negative Factors
Variable free cash flow
Inconsistent free cash flow reduces predictability of internal funding for growth, dividends and technology investment. Over the medium term this can pressure liquidity planning, increase reliance on wholesale funding, and limit the bank's ability to consistently fund strategic initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth
Sustained revenue growth over multiple years indicates expanding core banking activity and client adoption. This durable top-line momentum supports future loan origination, fee income expansion, and reinvestment in digital and branch capabilities, strengthening long-term earnings power.
Read all positive factors
Chiba Bank (8331) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.52T
Dividend Yield2.62%
Average Volume (3M)2.36M
Price to Earnings (P/E)12.5
Beta (1Y)1.40
Revenue Growth15.86%
EPS Growth24.81%
CountryJP
Employees4,076
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)35.08
Shares Outstanding775,521,060
10 Day Avg. Volume2,705,760
30 Day Avg. Volume2,361,370
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)0.87
Price to Sales (P/S)2.97
P/FCF Ratio106.45
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,576.60Price Target Upside15.96% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)151.15
Revenue Forecast (FY)¥259.95B
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 i...
How the Company Makes Money
Chiba Bank primarily makes money through (1) net interest income and (2) fee-based income, alongside other financial gains typical of a commercial bank. Net interest income is earned from the spread between interest received on interest-earning as...
Chiba Bank Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 349.69B | 336.01B | 286.90B | 253.81B | 215.97B | 213.41B |
| Gross Profit | 256.74B | 249.75B | 220.96B | 220.76B | 205.98B | 200.82B |
| EBITDA | 109.16B | 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 | 5.15T | 3.41T | 3.03T | 3.43T | 3.23T |
| 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 | 3.18B | -20.38B | 710.04B | 1.91T |
| Investing Cash Flow | 0.00 | -392.51B | -653.95B | -88.49B | -81.37B | -182.83B |
| Financing Cash Flow | 0.00 | -65.05B | 1.27T | -29.09B | -41.37B | -14.12B |
Chiba Bank Technical Analysis
Positive
2222.00
Price Trends
2135.16
Positive
1925.86
Positive
1670.26
Positive
Market Momentum
24.37
Negative
61.19
Neutral
83.09
Negative
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 2222 is above the 20-day moving average (MA) of 2057.85, above the 50-day MA of 2135.16, and above the 200-day MA of 1670.26, indicating a bullish trend. The MACD of 24.37 indicates Negative momentum. The RSI at 61.19 is Neutral, neither overbought nor oversold. The STOCH value of 83.09 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8331.
Chiba Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥369.76B | 7.80 | ― | 1.95% | 19.69% | 50.61% | |
75 Outperform | ¥1.52T | 12.46 | 7.38% | 2.62% | 15.86% | 24.81% | |
71 Outperform | ¥265.81B | 14.45 | ― | 2.13% | 7.77% | 5.80% | |
70 Outperform | ¥234.78B | 8.55 | ― | 3.00% | 10.56% | 16.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥129.45B | 9.42 | ― | 0.58% | 15.03% | 16.66% | |
64 Neutral | ¥1.75T | 12.21 | 7.83% | 2.54% | 19.38% | 29.95% |
* Financial Sector Average
JP:8331
Chiba Bank
2,222.00
1,058.27
90.94%
JP:7186
Concordia Financial Group
1,534.00
716.42
87.63%
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
12,190.00
7,314.28
150.01%
JP:8336
Musashino Bank, Ltd.
2,350.00
1,433.81
156.50%
JP:8337
Chiba Kogyo Bank, Ltd.
2,185.00
1,065.57
95.19%
JP:8544
Keiyo Bank, Ltd.
2,294.00
1,549.87
208.28%
Chiba Bank Corporate Events
Chiba Bank Launches Three‑Year “Phase 2” Plan to Deepen Engagement and Drive Digital, Green Growth
Mar 25, 2026
The Chiba Bank has unveiled its 16th mid‑term plan, a three‑year strategy from April 2026 to March 2029 branded “Engagement Bank Group – Phase 2,” aimed at deepening engagement with customers and communities while mai...
Chiba Bank Launches ¥15 Billion Share Buyback to Boost Capital Efficiency
Mar 25, 2026
The Chiba Bank, Ltd. has authorized a new share buyback program, approving the acquisition of up to 10 million shares of its common stock, equivalent to 1.43% of its outstanding shares excluding treasury stock. The bank plans to spend up to 15.0 b...
Chiba Bank and Chiba Kogyo Bank to Form Chiba Financial Group via Joint Holding Company
Mar 25, 2026
The Chiba Bank and The Chiba Kogyo Bank have agreed to establish a joint holding company, Chiba Financial Group, Inc., through a joint share transfer scheduled to take effect on April 1, 2027, subject to shareholder and regulatory approvals. The n...
Chiba Bank Overhauls Executive Lineup to Strengthen Governance and Regional Focus
Mar 23, 2026
The Chiba Bank announced a broad reshuffle of its top management, promoting Kiyomi Yamazaki and Mutsumi Awaji to Deputy Presidents and Representative Directors effective April 1, 2026, in a move aimed at strengthening its management control system...
Chiba Bank Raises FY2025 Earnings Outlook and Hikes Dividend Payout
Feb 2, 2026
The Chiba Bank has revised upward its earnings forecast for the fiscal year ending March 31, 2026, projecting higher ordinary profit and profit attributable to owners of the parent on both a consolidated and non-consolidated basis, driven mainly b...
Chiba Bank to Retire 30 Million Shares to Streamline Capital Structure
Feb 2, 2026
The Chiba Bank, Ltd. has announced that its Board of Directors approved the retirement of 30 million shares of its common stock, representing 3.72% of its issued shares prior to the move. The retirement, scheduled for February 27, 2026, will reduc...
Chiba Bank Lifts Profits, Upgrades FY2025 Outlook and Dividend as Capital Base Strengthens
Feb 2, 2026
The Chiba Bank reported strong consolidated results for the first nine months of fiscal 2025, with ordinary income rising 23.2% year-on-year to ¥323.7 billion, ordinary profit up 25.0% to ¥99.7 billion, and profit attributable to owners ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.