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Chiba Bank
(8331)
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Rating:70Outperform
Price Target:
¥2,890.00
▲(4.88% Upside)
Action:Reiterated
Date:05/16/26
The score is driven primarily by solid financial results (strong revenue and earnings growth), tempered by leverage and especially cash flow volatility. Technicals are supportive with the stock trading above major moving averages and positive MACD, while valuation is reasonable with a moderate P/E and a 2.28% dividend yield.
Positive Factors
Consistent Revenue & Earnings Growth
Sustained top-line and net income expansion from 2022–2026 indicates durable demand for lending and fee services in the bank’s core markets. Consistent scaling of earnings supports reinvestment, franchise expansion and a steadier earnings base over the medium term.
Negative Factors
Volatile Cash Generation
Significant year-to-year swings in operating and free cash flow weaken predictability of internal funding for loans, dividends and capital spending. This volatility raises execution risk for multi-quarter plans and can constrain long-term capital return policies.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue & Earnings Growth
Sustained top-line and net income expansion from 2022–2026 indicates durable demand for lending and fee services in the bank’s core markets. Consistent scaling of earnings supports reinvestment, franchise expansion and a steadier earnings base over the medium term.
Read all positive factors
Chiba Bank (8331) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.80T
Dividend Yield1.98%
Average Volume (3M)2.36M
Price to Earnings (P/E)19.6
Beta (1Y)1.52
Revenue Growth22.65%
EPS Growth28.42%
CountryJP
Employees4,377
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)133.75
Shares Outstanding775,521,060
10 Day Avg. Volume2,705,760
30 Day Avg. Volume2,361,370
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)1.12
Price to Sales (P/S)3.52
P/FCF Ratio14.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,878.00Price Target Upside4.45% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)165.53
Revenue Forecast (FY)¥267.46B
Chiba Bank Business Overview & Revenue Model
Company Description
Chiba Bank, Ltd. (8331) is a Japanese regional bank headquartered in Chiba Prefecture. The company provides banking and financial services to individuals and corporate customers, including deposit-taking, lending, domestic and international paymen...
How the Company Makes Money
Chiba Bank makes money mainly through banking spread and fee-based financial services. Its largest and most typical earnings driver is net interest income: it collects interest on loans and other interest-earning assets (such as certain securities...
Chiba Bank Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
62
Positive
Cash Flow
48
Neutral
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 398.80B | 336.01B | 286.90B | 253.81B | 215.97B |
| Gross Profit | 285.46B | 249.75B | 220.96B | 220.76B | 205.98B |
| EBITDA | 146.78B | 117.27B | 100.34B | 96.11B | 88.29B |
| Net Income | 94.06B | 74.26B | 62.44B | 60.28B | 54.50B |
Balance Sheet | |||||
| Total Assets | 21.21T | 21.63T | 21.32T | 19.79T | 19.10T |
| Cash, Cash Equivalents and Short-Term Investments | 2.71T | 4.26T | 4.69T | 4.07T | 4.20T |
| Total Debt | 2.43T | 5.15T | 3.41T | 3.03T | 3.43T |
| Total Liabilities | 19.95T | 20.49T | 20.14T | 18.73T | 18.05T |
| Stockholders Equity | 1.26T | 1.15T | 1.18T | 1.06T | 1.06T |
Cash Flow | |||||
| Free Cash Flow | 99.39B | 9.37B | -1.44B | -31.60B | 699.59B |
| Operating Cash Flow | 111.43B | 24.24B | 3.18B | -20.38B | 710.04B |
| Investing Cash Flow | -986.53B | -392.51B | -653.95B | -88.49B | -81.37B |
| Financing Cash Flow | -702.87B | -65.05B | 1.27T | -29.09B | -41.37B |
Chiba Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥257.45B | 15.97 | ― | 3.00% | 30.51% | 18.50% | |
70 Outperform | ¥1.80T | 19.64 | 7.67% | 1.89% | 22.65% | 28.42% | |
69 Neutral | ¥2.10T | 19.56 | 7.77% | 1.97% | 23.44% | 31.35% | |
69 Neutral | ¥154.74B | 18.99 | ― | 0.58% | 24.02% | 15.27% | |
68 Neutral | ¥307.06B | 17.60 | ― | 2.13% | 19.41% | 60.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥491.86B | 9.95 | ― | 1.95% | 17.98% | 34.51% |
* Financial Sector Average
JP:8331
Chiba Bank
2,627.00
1,286.89
96.03%
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JP:8336
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Chiba Kogyo Bank, Ltd.
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Chiba Bank Corporate Events
Chiba Bank Completes Treasury Share Disposal for Restricted Stock Remuneration
Jul 24, 2026
Chiba Bank has completed the payment procedure for the disposal of its treasury shares used in a restricted stock remuneration plan for internal management. The bank is implementing both fixed and performance-linked restricted stock schemes, targe...
Chiba Bank to Allocate Treasury Shares Under Expanded Restricted Stock Plans
Jun 26, 2026
Chiba Bank has approved the disposal of 114,496 treasury shares as part of its restricted stock remuneration schemes for internal directors and executive officers, split between fixed and performance-linked plans. The shares, priced at ¥2,437...
Chiba Bank Completes Nearly ¥15 Billion Share Buyback Program
Jun 24, 2026
Chiba Bank has completed a share buyback program authorized by its board in March 2026, acquiring a total of 6,693,700 common shares for approximately 14.999 billion yen on the Tokyo Stock Exchange. The latest tranche, conducted between June 1 and...
Chiba Bank Details Progress of ¥15 Billion Share Buyback Program
Jun 10, 2026
The Chiba Bank has disclosed the progress of its share buyback program authorized by its board in March 2026, under provisions of the Companies Act of Japan. Between May 1 and May 31, 2026, the bank repurchased 1,988,700 shares of its common stock...
Chiba Bank Lifts FY2025 Ordinary Income by Over 20% on Higher Rates
May 15, 2026
The Chiba Bank reported a strong rise in ordinary income for fiscal 2025, with consolidated results climbing 22.8% year on year to ¥445.0 billion and non-consolidated ordinary income increasing 23.9% to ¥407.1 billion. The jump in earnin...
Chiba Bank Lifts Earnings, Capital and Payouts on Strong FY2025 Results
May 15, 2026
Chiba Bank reported strong results for the fiscal year ended March 31, 2026, with ordinary income up 22.8% to ¥445.0 billion and profit attributable to owners of the parent rising 26.6% to ¥94.1 billion, reflecting improved profitability...
Chiba Bank’s Ordinary Income Jumps on Higher Rates and Loan Interest
May 15, 2026
The Chiba Bank reported a strong rise in ordinary income for the fiscal year ended March 31, 2026, with consolidated ordinary income climbing 22.8% year on year to ¥445.0 billion and non-consolidated ordinary income increasing 23.9% to ¥...
Chiba Bank Lifts Profits and Dividends on Strong FY2025 Results
May 15, 2026
Chiba Bank reported strong results for the fiscal year ended March 31, 2026, with ordinary income rising 22.8% to ¥445.0 billion and ordinary profit up 29.1% to ¥138.8 billion, while profit attributable to owners of the parent climbed 26...
Chiba Bank Advances Share Buyback Under ¥15 Billion Authorization
May 13, 2026
The Chiba Bank, Ltd. has reported progress on a previously approved share repurchase program aimed at acquiring its own common stock on the market. From April 1 to April 30, 2026, the bank bought 3,380,900 shares for a total outlay of about 7.28 b...
Chiba Bank Advances Share Buyback With ¥7.28 Billion Share Repurchase
May 13, 2026
The Chiba Bank, Ltd. has been executing a share repurchase program authorized by its board of directors, targeting up to 10 million shares of common stock and a total acquisition cost of up to 15 billion yen over the period from April 1 to June 30...
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.