Chiba Bank (8331) AI Stock Analysis

• Market Cap: ¥1.25T
• Dividend Yield: 2.7%
• Average Volume (3M): 2.36M
• Price to Earnings (P/E): 15.3
• Beta (1Y): 1.37
• Revenue Growth: 15.86%
• EPS Growth: 24.81%
• Country: JP
• Employees: 4,076
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 31.71
• Shares Outstanding: 805,521,060
• 10 Day Avg. Volume: 2,705,760
• 30 Day Avg. Volume: 2,361,370
• PEG Ratio: 0.66
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 2.97
• P/FCF Ratio: 106.45
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥1,848.00 ▲(6.02% Upside)

Chiba Bank's strong financial performance, characterized by robust revenue growth and profitability, is a key strength. The technical indicators show positive momentum, although the stock appears overbought, suggesting caution. The valuation is reasonable, supported by a solid dividend yield. Overall, the bank presents a sound investment opportunity, though attention to cash flow management and potential technical pullbacks is advised.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability and expansion.

Profitability Margins

Strong profitability margins reflect efficient operations and cost control, enhancing the bank's ability to reinvest in growth and withstand economic fluctuations.

Balance Sheet Health

A strong balance sheet with a healthy equity ratio ensures financial resilience, enabling the bank to manage risks and capitalize on growth opportunities.

Negative Factors

Cash Flow Variability

Inconsistent cash flow generation can hinder the bank's ability to fund operations and growth initiatives, posing a risk to financial stability.

High Total Liabilities

High liabilities can strain financial resources and limit strategic flexibility, potentially impacting long-term growth and stability.

Free Cash Flow Management

Fluctuating free cash flow suggests challenges in cash management, which could affect the bank's ability to invest in future growth and meet obligations.

Chiba Bank Business Overview & Revenue Model

Company Description

Chiba Bank (8331) is a prominent regional bank based in Chiba Prefecture, Japan. Established in 1948, it provides a wide range of financial services including commercial banking, personal banking, asset management, and investment services. The bank caters to both individual and corporate clients, focusing on lending, deposit services, and financial advisory. Chiba Bank also engages in various sectors such as retail banking, corporate banking, and international finance, aiming to support local economic development and enhance customer financial well-being.

How the Company Makes Money

Chiba Bank primarily generates revenue through its core banking operations, which include interest income from loans and advances to customers, as well as interest earned on securities investments. The bank's main revenue streams consist of net interest income, which is derived from the difference between the interest earned on loans and the interest paid on deposits. Additionally, Chiba Bank earns fee income from services such as account maintenance, transaction fees, and wealth management services. The bank also benefits from its extensive network of branches and ATMs, enhancing customer accessibility and engagement. Strategic partnerships with local businesses and government entities further contribute to its revenue through collaborative financial projects and lending initiatives.

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 bank's equity position is solid, and it shows effective leverage management. However, the cash flow statement reveals some inconsistencies in free cash flow, which may require attention.

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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	325.14B	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	108.51B	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	3.38T	3.41T	2.14T	2.13T	1.75T
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	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: 1743.00
• 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 1743 is above the 20-day moving average (MA) of 1656.87, above the 50-day MA of 1562.26, and above the 200-day MA of 1401.75, indicating a bullish trend. The MACD of 44.66 indicates Negative momentum. The RSI at 63.69 is Neutral, neither overbought nor oversold. The STOCH value of 71.08 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
8359	76 Outperform	¥777.98B	13.52	5.37%	2.88%	14.57%	100.81%
5831	73 Outperform	¥1.33T	15.39	―	3.06%	9.16%	29.12%
8331	72 Outperform	¥1.25T	15.30	6.56%	2.70%	15.86%	24.81%
7167	69 Neutral	¥927.85B	14.71	―	1.97%	18.45%	41.89%
7186	69 Neutral	¥1.48T	15.87	6.87%	2.57%	19.38%	29.95%
8354	68 Neutral	¥977.78B	12.58	7.39%	3.12%	12.77%	9.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Chiba Bank Corporate Events

Chiba Bank Announces Share Buyback to Optimize Capital Structure

The Chiba Bank, Ltd. announced the acquisition of its own shares under the Companies Act of Japan. The bank acquired a total of 7,715,000 shares at a cost of 11,648,468,300 yen, with the acquisition period running from October 1, 2025, to December 23, 2025. This strategic move is part of the bank’s efforts to enhance shareholder value and optimize its capital structure.

Chiba Bank Announces Share Buyback Program

The Chiba Bank, Ltd. has announced the acquisition of its own shares, purchasing 4,913,800 shares at a total cost of 7,319,677,500 yen on the Tokyo Stock Exchange. This move is part of a broader plan to acquire up to 12 million shares, with an allocated budget of up to 15 billion yen, aimed at enhancing shareholder value and optimizing capital structure.

Chiba Bank Reports Strong Financial Performance in First Half of FY2025

Chiba Bank reported strong financial results for the first half of fiscal year 2025, with significant increases in ordinary income, ordinary profit, and profit attributable to owners of the parent compared to the previous year. The bank’s total assets slightly decreased, but net assets and capital assets to total assets ratio improved, indicating a robust financial position. The bank also announced an increase in dividends, reflecting its solid performance and commitment to shareholder returns.

Chiba Bank to Acquire Own Shares to Boost Shareholder Returns

The Chiba Bank has announced a resolution to acquire up to 12 million of its own shares, representing 1.69% of its issued shares, with a total acquisition cost of up to 15 billion yen. This move is aimed at enhancing shareholder returns by improving capital efficiency, reflecting the bank’s strategic focus on optimizing financial performance and shareholder value.

Chiba Bank and Chiba Kogyo Bank Explore Management Consolidation

The Chiba Bank and The Chiba Kogyo Bank have signed a memorandum of understanding to explore a management consolidation by establishing a holding company. This move aims to enhance regional financial capabilities and address complex regional challenges while respecting each bank’s autonomy. The consolidation seeks to strengthen customer solutions, improve productivity, and create new growth opportunities for employees amid increasing competition in the financial sector.

Chiba Bank Clarifies Media Reports on Potential Integration

Chiba Bank has acknowledged media reports regarding potential business integration with Chiba Kogyo Bank but clarified that no concrete decisions have been made yet. The banks are in discussions, and Chiba Bank will make announcements once decisions are finalized, highlighting the ongoing strategic considerations in the banking sector.