Chiba Bank (8331) AI Stock Analysis

• Market Cap: ¥970.76B
• Dividend Yield: 3.24%
• Average Volume (3M): 2.15M
• Price to Earnings (P/E): 13.0
• Beta (1Y): 1.28
• Revenue Growth: 9.27%
• EPS Growth: 20.49%
• Country: JP
• Employees: 4,076
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 27.86
• Shares Outstanding: 805,521,060
• 10 Day Avg. Volume: 2,597,980
• 30 Day Avg. Volume: 2,149,750
• 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: ¥1,493.79
• Price Target Upside: 9.96% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 73 Outperform
• Price Target: ¥1,443.00 ▲(6.22%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

Chiba Bank, Ltd. (8331) is a prominent regional bank headquartered in Chiba Prefecture, Japan. It is one of the leading financial institutions in the region, providing a comprehensive range of banking services. The bank primarily caters to individual customers, small and medium-sized enterprises (SMEs), and large corporations, offering products such as deposits, loans, foreign exchange, and investment services. Chiba Bank also engages in securities, leasing, and other financial services, enhancing its ability to serve the diverse needs of its clients.

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
EBITDA	103.22B	117.27B	100.34B	96.11B	88.29B	80.82B
Net Income	64.06B	74.26B	62.44B	60.28B	54.50B	49.64B
Balance Sheet
Total Assets	22.12T	21.63T	21.32T	19.79T	19.10T	17.90T
Cash, Cash Equivalents and Short-Term Investments	5.00T	4.26T	4.69T	4.07T	4.20T	3.62T
Total Debt	3.71T	3.11T	3.41T	2.14T	2.13T	1.75T
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: Positive
• Last Price: 1358.50
• 50DMA: Positive
• 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 1358.5 is above the 20-day moving average (MA) of 1311.35, above the 50-day MA of 1290.18, and above the 200-day MA of 1242.16, indicating a bullish trend. The MACD of 14.80 indicates Negative momentum. The RSI at 61.25 is Neutral, neither overbought nor oversold. The STOCH value of 57.64 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
8331	73 Outperform	¥970.76B	13.04	6.30%	3.24%	9.27%	20.49%
7167	71 Outperform	¥691.36B	13.04		2.36%	2.02%	92.64%
8354	70 Outperform	¥759.50B	10.37	7.30%	3.54%	15.35%	-1.62%
5831	68 Neutral	¥911.89B	12.28		4.18%	-2.86%	34.66%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%
8359	65 Neutral	¥576.82B	11.73	4.55%	4.89%	16.68%	1.73%
7186	60 Neutral	$1.07T	13.08	6.37%	3.42%	8.79%	19.19%

Chiba Bank Corporate Events

Chiba Bank Clarifies Stance on Potential Management Consolidation

Chiba Bank has addressed media reports suggesting its potential management consolidation with Chiba Kogyo Bank, clarifying that no official decision has been made. The bank is exploring options to strengthen ties with Chiba Kogyo Bank to boost local economic development and corporate value, but discussions are still in preliminary stages.

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.

Chiba Bank Implements Restricted Stock Remuneration Plan

Chiba Bank announced the disposal of treasury shares as part of a restricted stock remuneration plan aimed at incentivizing directors and executive officers. This move is designed to align the interests of the bank’s management with shareholders and promote sustainable corporate value improvements. The plan includes both fixed and performance-linked stock remuneration, with specific conditions for transfer restrictions and stock acquisition by the bank under certain circumstances.

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.

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.