Chiba Bank (8331) AI Stock Analysis

• Market Cap: ¥920.74B
• Dividend Yield: 3.41%
• Average Volume (3M): 2.30M
• Price to Earnings (P/E): 12.4
• Beta (1Y): 1.24
• Revenue Growth: 9.28%
• EPS Growth: 20.48%
• Country: JP
• Employees: 4,076
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 27.86
• Shares Outstanding: 805,521,060
• 10 Day Avg. Volume: 1,833,650
• 30 Day Avg. Volume: 2,300,256
• PEG Ratio: 0.84
• Price to Book (P/B): 0.59
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -19.76
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥1,535.93
• Price Target Upside: 19.43% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 73 Outperform
• Price Target: ¥1,443.00 ▲(12.21%Upside)

Chiba Bank's overall stock score reflects its strong financial performance, characterized by robust revenue growth and profitability. The technical analysis indicates a positive market trend, though caution is advised due to approaching overbought levels. The valuation remains attractive with a fair P/E ratio and a solid dividend yield. However, attention to cash flow consistency is necessary to ensure long-term stability.

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 generates revenue through a variety of financial services and products. The primary revenue streams include interest income from loans and advances to customers, which is a significant contributor to the bank's earnings. Additionally, the bank earns fees and commissions from various services, including asset management, financial advisory, and transaction processing. Chiba Bank also derives income from its investment portfolio, which includes securities and other financial instruments. Collaborations and partnerships with other financial institutions and businesses further bolster its revenue, allowing the bank to expand its services and reach. The bank's strategic focus on regional economic development and customer-centric services plays a crucial role in its sustained financial performance.

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 solid equity position and effective leverage management are notable strengths. However, inconsistencies in free cash flow generation indicate potential cash management challenges.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
251.29B	337.72B	222.54B	224.22B	207.76B	202.03B
	Gross Profit
258.70B	251.46B	222.54B	224.22B	207.76B	202.03B
	EBIT
90.70B	106.83B	90.67B	77.23B	68.47B	62.10B
	EBITDA
103.22B	117.27B	100.34B	96.11B	88.29B	80.82B
	Net Income Common Stockholders
64.06B	74.26B	62.44B	60.28B	54.50B	49.64B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
5.00T	4.26T	4.69T	4.07T	4.20T	3.62T
	Total Assets
22.12T	21.63T	21.32T	19.79T	19.10T	17.90T
	Total Debt
3.71T	3.11T	3.41T	2.14T	2.13T	1.75T
	Net Debt
-1.28T	-1.13T	-4.69T	-1.92T	-2.07T	-1.87T
	Total Liabilities
20.95T	20.49T	20.14T	1.67T	18.05T	16.86T
	Stockholders Equity
1.16T	1.15T	1.18T	1.06T	1.06T	1.04T
Cash Flow		Free Cash Flow
9.64B	9.37B	777.71B	-31.60B	699.59B	1.89T
	Operating Cash Flow
9.64B	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: Neutral
• Last Price: 1286.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8331, the sentiment is Neutral. The current price of 1286 is below the 20-day moving average (MA) of 1298.63, above the 50-day MA of 1249.11, and above the 200-day MA of 1230.66, indicating a neutral trend. The MACD of 9.77 indicates Positive momentum. The RSI at 49.25 is Neutral, neither overbought nor oversold. The STOCH value of 15.76 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8331.

Chiba Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	¥920.74B	12.37	6.30%	3.41%	9.28%	20.48%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
CCRDF		$7.35B	13.67	6.37%	0.02%	―	―
FKKFF		$5.26B	11.10	7.30%	0.02%	―	―
HACBF		$3.96B	12.23	4.56%	0.02%	―	―
7167	71 Outperform	¥660.38B	12.45		2.48%	2.02%	92.64%
5831	68 Neutral	¥928.78B	12.50		4.11%	-2.86%	34.66%

Chiba Bank Corporate Events

Chiba Bank Announces Leadership Restructuring

Chiba Bank announced upcoming changes in its Audit & Supervisory Board Members, set to be finalized at the General Meeting of Shareholders in June 2025. These changes are part of a broader restructuring of the bank’s leadership, aiming to enhance governance and align with strategic goals, potentially impacting its operations and stakeholder relations.

Chiba Bank Reports 16.5% Increase in FY2024 Ordinary Income

Chiba Bank reported a significant increase in ordinary income for FY2024, with a 16.5% rise in consolidated results and an 18.2% increase in non-consolidated results compared to FY2023. This growth is attributed to higher interest on loans and securities, indicating a strong financial performance and positive impact on the bank’s market position.

Chiba Bank Reports Strong Financial Performance for FY2024

Chiba Bank reported a significant increase in its financial performance for the fiscal year 2024, with ordinary income and profit attributable to owners rising by 16.5% and 18.9%, respectively. The bank’s strategic decisions, including changes in its consolidation scope, have contributed to its improved financial results, positioning it favorably within the industry and enhancing shareholder value through increased dividends.

Chiba Bank Acquires Shares in Chiba Kogyo Bank to Strengthen Regional Presence

Chiba Bank has announced its decision to acquire shares of Chiba Kogyo Bank from Ariake Master Fund, marking a strategic move to strengthen its position in the regional banking sector. This acquisition is part of Chiba Bank’s broader strategy to pursue growth opportunities and enhance its corporate value, aiming to sustain the regional financial system and improve service provision to customers.

Chiba Bank Clarifies Media Reports on Potential Acquisition

Chiba Bank has addressed media reports suggesting it will acquire shares of The Chiba Kogyo Bank and consider a future business merger. The bank clarified that while it is exploring various business strategies, no concrete decisions have been made yet, and any significant developments will be announced promptly.

Chiba Bank Announces Executive Leadership Changes to Boost Sustainability and Strategy

Chiba Bank announced several changes in its executive leadership, effective in March and April 2025, to enhance its sustainability management and strategic operations. These changes include the appointment of Mutsumi Awaji as the Group Chief Sustainability Officer and various promotions and resignations aimed at strengthening the bank’s strategic and digital transformation initiatives.