Chiba Bank (8331) AI Stock Analysis

• Market Cap: $926.10B
• Dividend Yield: 2.93%
• Average Volume (3M): 2.25M
• 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: 1,798,240
• 30 Day Avg. Volume: 2,247,710
• PEG Ratio: 6.50
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 207.39
• 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: $1,546.17
• Price Target Upside: 20.00% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 73 Outperform
• Price Target: ¥1,443.00 ▲(11.99%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

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
251.29B	222.54B	224.22B	207.76B	202.03B	199.15B
	Gross Profit
258.70B	270.48B	224.22B	207.76B	202.03B	199.15B
	EBIT
90.70B	91.02B	77.23B	68.47B	62.10B	60.74B
	EBITDA
103.22B	0.00	96.11B	88.29B	80.82B	76.81B
	Net Income Common Stockholders
64.06B	62.44B	60.28B	54.50B	49.64B	48.04B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
370.50B	4.69T	4.07T	4.20T	3.62T	1.93T
	Total Assets
10.26T	21.32T	19.79T	19.10T	17.90T	15.61T
	Total Debt
187.09B	3.41T	2.14T	2.13T	1.75T	860.53B
	Net Debt
-183.41B	-4.69T	-1.92T	-2.07T	-1.87T	-1.07T
	Total Liabilities
9.66T	20.14T	1.67T	18.05T	16.86T	14.68T
	Stockholders Equity
592.46B	1.18T	1.06T	1.06T	1.04T	929.33B
Cash Flow		Free Cash Flow
9.64B	777.71B	-31.60B	699.59B	1.89T	-86.00M
	Operating Cash Flow
9.64B	384.52B	-20.38B	710.04B	1.91T	20.95B
	Investing Cash Flow
0.00	-136.01B	-88.49B	-81.37B	-182.83B	-102.95B
	Financing Cash Flow
0.00	371.60B	-29.09B	-41.37B	-14.12B	-22.03B

Chiba Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1288.50
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• 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 Neutral. The current price of 1288.5 is below the 20-day moving average (MA) of 1301.48, above the 50-day MA of 1252.37, and above the 200-day MA of 1229.81, indicating a neutral trend. The MACD of 11.93 indicates Positive momentum. The RSI at 49.79 is Neutral, neither overbought nor oversold. The STOCH value of 22.61 is Neutral, 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	$926.10B	12.44	6.30%	2.93%	9.28%	20.48%
Sector *	64 Neutral	$12.83B	9.78	7.78%	16985.64%	12.26%	-7.81%
CCRDF		$7.30B	13.67	6.37%	2.96%	―	―
FKKFF		$5.26B	11.26	7.30%	3.20%	―	―
HACBF		$3.96B	12.38	4.56%	3.37%	―	―
7167	71 Outperform	¥648.84B	12.24		2.24%	2.02%	92.64%
5831	68 Neutral	¥923.06B	12.43		3.54%	-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.