Chiba Bank Ltd (JP:8331)
:8331
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Chiba Bank
(8331)
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Rating:70Outperform
Price Target:
¥2,508.00
▲(14.57% Upside)
Action:Reiterated
Date:05/16/26
The score is driven primarily by solid financial results (strong revenue and earnings growth), tempered by leverage and especially cash flow volatility. Technicals are supportive with the stock trading above major moving averages and positive MACD, while valuation is reasonable with a moderate P/E and a 2.28% dividend yield.
Positive Factors
Consistent revenue and earnings growth
Chiba Bank's multi-year top-line and net income expansion demonstrates durable demand for its lending and fee services. Sustained revenue and profit growth enhances reinvestment capacity, supports branch/digital investment, and underpins long-term earnings resilience versus cyclical shocks.
Negative Factors
Volatile leverage profile
Large swings in leverage indicate reliance at times on elevated funding and increase capital management risk. Persistent volatility can raise regulatory scrutiny, limit capacity to expand lending during stress, and amplify earnings sensitivity to interest rate or credit shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue and earnings growth
Chiba Bank's multi-year top-line and net income expansion demonstrates durable demand for its lending and fee services. Sustained revenue and profit growth enhances reinvestment capacity, supports branch/digital investment, and underpins long-term earnings resilience versus cyclical shocks.
Read all positive factors
Chiba Bank (8331) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.61T
Dividend Yield2.62%
Average Volume (3M)2.36M
Price to Earnings (P/E)14.9
Beta (1Y)1.44
Revenue Growth22.66%
EPS Growth28.39%
CountryJP
Employees4,076
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)106.90
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
¥2,573.33Price Target Upside17.56% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)155
Revenue Forecast (FY)¥263.87B
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 i...
How the Company Makes Money
Chiba Bank primarily makes money through (1) net interest income and (2) fee and commission income, supplemented by (3) gains/losses from securities and other financial operations, and (4) other operating income.
1) Net interest income (core earn...
Chiba Bank Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
62
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 349.69B | 398.80B | 336.01B | 286.90B | 253.81B | 215.97B |
| Gross Profit | 256.74B | 285.46B | 249.75B | 220.96B | 220.76B | 205.98B |
| EBITDA | 109.16B | 146.78B | 117.27B | 100.34B | 96.11B | 88.29B |
| Net Income | 76.01B | 94.06B | 74.26B | 62.44B | 60.28B | 54.50B |
Balance Sheet | ||||||
| Total Assets | 22.25T | 21.21T | 21.63T | 21.32T | 19.79T | 19.10T |
| Cash, Cash Equivalents and Short-Term Investments | 4.52T | 2.71T | 4.26T | 4.69T | 4.07T | 4.20T |
| Total Debt | 3.89T | 2.43T | 5.15T | 3.41T | 3.03T | 3.43T |
| Total Liabilities | 21.07T | 19.95T | 20.49T | 20.14T | 18.73T | 18.05T |
| Stockholders Equity | 1.18T | 1.26T | 1.15T | 1.18T | 1.06T | 1.06T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 99.39B | 9.37B | -1.44B | -31.60B | 699.59B |
| Operating Cash Flow | 0.00 | 111.43B | 24.24B | 3.18B | -20.38B | 710.04B |
| Investing Cash Flow | 0.00 | -986.53B | -392.51B | -653.95B | -88.49B | -81.37B |
| Financing Cash Flow | 0.00 | -702.87B | -65.05B | 1.27T | -29.09B | -41.37B |
Chiba Bank Technical Analysis
Positive
2189.00
Price Trends
2134.28
Positive
2087.42
Positive
1792.62
Positive
Market Momentum
54.54
Negative
65.42
Neutral
82.69
Negative
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 2189 is below the 20-day moving average (MA) of 2192.72, above the 50-day MA of 2134.28, and above the 200-day MA of 1792.62, indicating a bullish trend. The MACD of 54.54 indicates Negative momentum. The RSI at 65.42 is Neutral, neither overbought nor oversold. The STOCH value of 82.69 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8331.
Chiba Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥249.86B | 13.40 | ― | 3.00% | 21.20% | 17.32% | |
70 Outperform | ¥1.61T | 14.92 | 7.38% | 2.62% | 22.66% | 28.39% | |
69 Neutral | ¥1.93T | 14.61 | 7.83% | 2.54% | 23.44% | 31.25% | |
69 Neutral | ¥134.19B | 12.68 | ― | 0.58% | 24.02% | 5.60% | |
68 Neutral | ¥281.57B | 15.26 | ― | 2.13% | 15.39% | 26.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥337.61B | 7.87 | ― | 1.95% | 17.98% | 32.53% |
* Financial Sector Average
JP:8331
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Chiba Bank Corporate Events
Chiba Bank Lifts FY2025 Ordinary Income by Over 20% on Higher Rates
May 15, 2026
The Chiba Bank reported a strong rise in ordinary income for fiscal 2025, with consolidated results climbing 22.8% year on year to ¥445.0 billion and non-consolidated ordinary income increasing 23.9% to ¥407.1 billion. The jump in earnin...
Chiba Bank Lifts Earnings, Capital and Payouts on Strong FY2025 Results
May 15, 2026
Chiba Bank reported strong results for the fiscal year ended March 31, 2026, with ordinary income up 22.8% to ¥445.0 billion and profit attributable to owners of the parent rising 26.6% to ¥94.1 billion, reflecting improved profitability...
Chiba Bank’s Ordinary Income Jumps on Higher Rates and Loan Interest
May 15, 2026
The Chiba Bank reported a strong rise in ordinary income for the fiscal year ended March 31, 2026, with consolidated ordinary income climbing 22.8% year on year to ¥445.0 billion and non-consolidated ordinary income increasing 23.9% to ¥...
Chiba Bank Lifts Profits and Dividends on Strong FY2025 Results
May 15, 2026
Chiba Bank reported strong results for the fiscal year ended March 31, 2026, with ordinary income rising 22.8% to ¥445.0 billion and ordinary profit up 29.1% to ¥138.8 billion, while profit attributable to owners of the parent climbed 26...
Chiba Bank Advances Share Buyback Under ¥15 Billion Authorization
May 13, 2026
The Chiba Bank, Ltd. has reported progress on a previously approved share repurchase program aimed at acquiring its own common stock on the market. From April 1 to April 30, 2026, the bank bought 3,380,900 shares for a total outlay of about 7.28 b...
Chiba Bank Advances Share Buyback With ¥7.28 Billion Share Repurchase
May 13, 2026
The Chiba Bank, Ltd. has been executing a share repurchase program authorized by its board of directors, targeting up to 10 million shares of common stock and a total acquisition cost of up to 15 billion yen over the period from April 1 to June 30...
Chiba Bank Launches Three‑Year “Phase 2” Plan to Deepen Engagement and Drive Digital, Green Growth
Mar 25, 2026
The Chiba Bank has unveiled its 16th mid‑term plan, a three‑year strategy from April 2026 to March 2029 branded “Engagement Bank Group – Phase 2,” aimed at deepening engagement with customers and communities while mai...
Chiba Bank Launches ¥15 Billion Share Buyback to Boost Capital Efficiency
Mar 25, 2026
The Chiba Bank, Ltd. has authorized a new share buyback program, approving the acquisition of up to 10 million shares of its common stock, equivalent to 1.43% of its outstanding shares excluding treasury stock. The bank plans to spend up to 15.0 b...
Chiba Bank and Chiba Kogyo Bank to Form Chiba Financial Group via Joint Holding Company
Mar 25, 2026
The Chiba Bank and The Chiba Kogyo Bank have agreed to establish a joint holding company, Chiba Financial Group, Inc., through a joint share transfer scheduled to take effect on April 1, 2027, subject to shareholder and regulatory approvals. The n...
Chiba Bank Overhauls Executive Lineup to Strengthen Governance and Regional Focus
Mar 23, 2026
The Chiba Bank announced a broad reshuffle of its top management, promoting Kiyomi Yamazaki and Mutsumi Awaji to Deputy Presidents and Representative Directors effective April 1, 2026, in a move aimed at strengthening its management control system...
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.