Want to see JP:8331 full AI Analyst Report?
Top Page
Chiba Bank
(8331)
Select Model
Select Model
Rating:70Outperform
Price Target:
¥3,111.00
▲(12.90% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by solid financial results (strong revenue and earnings trajectory) but moderated by balance-sheet leverage volatility and historically inconsistent cash flows. Technicals add support due to a clear uptrend and positive momentum indicators, while valuation is only average given a ~19.4x P/E and a modest ~1.8% dividend yield.
Positive Factors
Revenue and Earnings Growth
Sustained revenue and net income growth indicates expanding business activity and earnings capacity. The scaling of profits alongside revenue supports Chiba Bank’s core lending and fee-based model over the medium term.
Negative Factors
Volatile Leverage
Meaningful and fluctuating leverage increases sensitivity to funding costs, asset quality deterioration, and balance-sheet shocks. Although debt declined in 2026, the prior volatility limits confidence in the stability of financial risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Earnings Growth
Sustained revenue and net income growth indicates expanding business activity and earnings capacity. The scaling of profits alongside revenue supports Chiba Bank’s core lending and fee-based model over the medium term.
Read all positive factors
Chiba Bank (8331) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.89T
Dividend Yield1.9%
Average Volume (3M)2.36M
Price to Earnings (P/E)18.9
Beta (1Y)1.39
Revenue Growth31.08%
EPS Growth36.63%
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
¥3,114.00Price Target Upside13.01% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)169.22
Revenue Forecast (FY)¥271.65B
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 |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥494.75B | 9.23 | ― | 1.95% | 18.11% | 43.52% | |
72 Outperform | ¥268.84B | 16.66 | ― | 3.00% | 30.51% | 18.50% | |
70 Outperform | ¥1.89T | 18.93 | 7.67% | 1.89% | 31.08% | 36.63% | |
70 Outperform | ¥2.15T | 19.00 | 7.77% | 1.97% | 21.41% | 30.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥159.84B | 20.04 | ― | 0.58% | 27.90% | 3.75% | |
66 Neutral | ¥311.35B | 17.82 | ― | 2.13% | 19.41% | 60.52% |
* Financial Sector Average
JP:8331
Chiba Bank
2,730.00
1,242.18
83.49%
JP:7186
Concordia Financial Group
1,872.00
756.19
67.77%
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
1,656.00
795.15
92.37%
JP:8336
Musashino Bank, Ltd.
2,658.00
1,396.19
110.65%
JP:8337
Chiba Kogyo Bank, Ltd.
2,665.00
1,112.72
71.68%
JP:8544
Keiyo Bank, Ltd.
2,650.00
1,447.49
120.37%
Chiba Bank Corporate Events
Chiba Bank Launches ¥15 Billion Share Buyback to Boost Capital Efficiency
Aug 4, 2026
Chiba Bank’s board has approved a new share buyback program, resolving on August 4, 2026 to acquire up to 10 million shares of its common stock. The planned repurchase represents about 1.44% of the bank’s issued shares, excluding treas...
Chiba Bank Delivers Strong Q1 Earnings and Confirms Higher Dividend Outlook
Aug 4, 2026
Chiba Bank reported strong results for the first quarter of fiscal 2026, with ordinary income rising 41.4% year on year to ¥145.3 billion and profit attributable to owners of the parent climbing 37.2% to ¥29.9 billion. Total assets edged...
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...
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.