Chiba Bank (8331) AI Stock Analysis

• Market Cap: ¥1.66T
• Dividend Yield: 2.62%
• Average Volume (3M): 2.36M
• Price to Earnings (P/E): 18.5
• Beta (1Y): 1.45
• Revenue Growth: 15.86%
• EPS Growth: 24.81%
• Country: JP
• Employees: 4,076
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 35.08
• 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: ¥2,357.84
• Price Target Upside: -1.08% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: ¥2,447.00 ▲(2.66% Upside)
• Action: Reiterated Date: 02/04/26
• Date: Action: Reiterated 02/04/26

The score is driven primarily by strong financial performance (especially revenue growth and profitability) and a stable balance sheet, partially offset by inconsistent free cash flow. Technicals support the uptrend, but overbought signals temper the outlook. Valuation is reasonable with a moderate dividend yield.

Positive Factors

Consistent revenue growth & margins

Sustained revenue growth combined with strong gross and net margins indicates durable earnings power and efficient cost management. This supports the bank's ability to fund lending, absorb credit losses, and maintain profitability over the next several months absent major macro shocks.

Strong balance sheet and ROE

A healthy equity ratio and robust ROE signal effective capital use and a buffer against losses. This balance sheet strength enhances resilience to credit cycles, supports dividend capacity and prudent loan growth, and preserves funding flexibility over the medium term.

Diversified core earnings sources

Earnings from both net interest margin and fee-based activities (payments, product distribution) plus securities income reduce dependence on a single revenue stream. This diversification helps stabilize income across interest-rate cycles and supports cross-sell strategies over coming months.

Negative Factors

Variable free cash flow generation

Volatile free cash flow implies inconsistent conversion of profits into cash, which can constrain loan origination, capital returns, or contingency funding. Over a 2-6 month horizon, this raises execution risk for growth plans and heightens reliance on funding or asset sales.

High total liabilities exposure

A large liabilities base increases sensitivity to funding and deposit flows; even with moderate leverage, shocks to liquidity or higher funding costs could strain margins and require balance sheet adjustments. This structural exposure elevates funding risk over the medium term.

Regional concentration risk

Heavy geographic concentration in Chiba/Tokyo limits diversification—local economic weakness would disproportionately affect loan demand and asset quality. This structural exposure constrains growth upside and raises cyclical vulnerability over the next several months.

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 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

Strong income statement performance (85) with solid revenue growth and healthy profitability margins, supported by a stable balance sheet (78) with robust ROE and manageable leverage. The main offset is weaker and inconsistent cash flow quality (65), with variability in free cash flow.

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 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	349.69B	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	109.16B	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: 2383.50
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 2383.5 is above the 20-day moving average (MA) of 2248.27, above the 50-day MA of 2007.56, and above the 200-day MA of 1575.52, indicating a bullish trend. The MACD of 107.63 indicates Positive momentum. The RSI at 67.05 is Neutral, neither overbought nor oversold. The STOCH value of 58.52 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
7173	80 Outperform	¥336.39B	8.84	―	1.95%	19.69%	50.61%
8331	75 Outperform	¥1.66T	18.51	6.56%	2.62%	15.86%	24.81%
8544	71 Outperform	¥244.38B	19.35	―	2.13%	7.77%	5.80%
8336	70 Outperform	¥204.52B	12.97	―	3.00%	10.56%	16.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8337	65 Neutral	¥141.18B	15.02	―	0.58%	15.03%	16.66%
7186	64 Neutral	¥1.90T	18.01	6.87%	2.54%	19.38%	29.95%

Chiba Bank Corporate Events

Chiba Bank Raises FY2025 Earnings Outlook and Hikes Dividend Payout

The Chiba Bank has revised upward its earnings forecast for the fiscal year ending March 31, 2026, projecting higher ordinary profit and profit attributable to owners of the parent on both a consolidated and non-consolidated basis, driven mainly by stronger-than-expected net interest income on loans and bills discounted and increased gains related to stocks. Reflecting this improved outlook and its policy of actively returning profits to shareholders through stable dividends and flexible share buybacks, the bank also raised its planned year-end dividend by ¥4.00 to ¥28.00 per share, lifting the total annual dividend to ¥52.00 per share and signaling confidence in its financial performance and commitment to shareholder returns.

The most recent analyst rating on (JP:8331) stock is a Buy with a Yen2313.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank to Retire 30 Million Shares to Streamline Capital Structure

The Chiba Bank, Ltd. has announced that its Board of Directors approved the retirement of 30 million shares of its common stock, representing 3.72% of its issued shares prior to the move. The retirement, scheduled for February 27, 2026, will reduce the total number of issued shares to 775,521,087 and is expected to streamline the bank’s capital structure, which may enhance capital efficiency and shareholder value within Japan’s regional banking sector.

The most recent analyst rating on (JP:8331) stock is a Buy with a Yen2313.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank Lifts Profits, Upgrades FY2025 Outlook and Dividend as Capital Base Strengthens

The Chiba Bank reported strong consolidated results for the first nine months of fiscal 2025, with ordinary income rising 23.2% year-on-year to ¥323.7 billion, ordinary profit up 25.0% to ¥99.7 billion, and profit attributable to owners of the parent increasing 26.1% to ¥68.8 billion, lifting profit per share to ¥97.58. The bank’s financial position also improved, with net assets climbing and the capital-assets-to-total-assets ratio strengthening to 5.9%, while management revised upward both its full-year earnings and dividend forecasts for the fiscal year ending March 31, 2026, and factored in a planned cancellation of treasury shares, signaling a focus on capital efficiency and enhanced shareholder returns in a favorable earnings environment.

The most recent analyst rating on (JP:8331) stock is a Buy with a Yen2313.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank Completes ¥15 Billion Share Buyback Program

The Chiba Bank has completed a share buyback program authorized by its board on September 29, 2025, acquiring a total of 9,690,400 common shares for approximately ¥15.0 billion through purchases on the Tokyo Stock Exchange between October 1 and December 23, 2025. This latest tranche included 1,975,400 shares purchased from December 1 to December 23 for about ¥3.35 billion, underscoring the bank’s ongoing capital management efforts, which may support shareholder returns and optimize its capital structure in a competitive regional banking landscape.

The most recent analyst rating on (JP:8331) stock is a Buy with a Yen1848.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank Announces 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.

The most recent analyst rating on (JP:8331) stock is a Buy with a Yen1848.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.