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Chiba Bank (JP:8331)
:8331

Chiba Bank (8331) AI Stock Analysis

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JP

Chiba Bank

(OTC:8331)

Rating:73Outperform
Price Target:
¥1,443.00
▲(12.21%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 (8331) vs. iShares MSCI Japan ETF (EWJ)

Chiba Bank Business Overview & Revenue Model

Company DescriptionThe 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 MoneyChiba 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
85
Very Positive
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
78
Positive
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
65
Positive
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
TTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income StatementTotal Revenue
251.29B337.72B222.54B224.22B207.76B202.03B
Gross Profit
258.70B251.46B222.54B224.22B207.76B202.03B
EBIT
90.70B106.83B90.67B77.23B68.47B62.10B
EBITDA
103.22B117.27B100.34B96.11B88.29B80.82B
Net Income Common Stockholders
64.06B74.26B62.44B60.28B54.50B49.64B
Balance SheetCash, Cash Equivalents and Short-Term Investments
5.00T4.26T4.69T4.07T4.20T3.62T
Total Assets
22.12T21.63T21.32T19.79T19.10T17.90T
Total Debt
3.71T3.11T3.41T2.14T2.13T1.75T
Net Debt
-1.28T-1.13T-4.69T-1.92T-2.07T-1.87T
Total Liabilities
20.95T20.49T20.14T1.67T18.05T16.86T
Stockholders Equity
1.16T1.15T1.18T1.06T1.06T1.04T
Cash FlowFree Cash Flow
9.64B9.37B777.71B-31.60B699.59B1.89T
Operating Cash Flow
9.64B24.24B384.52B-20.38B710.04B1.91T
Investing Cash Flow
0.00-392.51B-136.01B-88.49B-81.37B-182.83B
Financing Cash Flow
0.00-65.05B371.60B-29.09B-41.37B-14.12B

Chiba Bank Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price1286.00
Price Trends
50DMA
1249.11
Positive
100DMA
1291.11
Negative
200DMA
1230.66
Positive
Market Momentum
MACD
9.77
Positive
RSI
49.25
Neutral
STOCH
15.76
Positive
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 1286 is below the 20-day moving average (MA) of 1298.63, above the 50-day MA of 1249.11, and above the 200-day MA of 1230.66, indicating a neutral trend. The MACD of 9.77 indicates Positive momentum. The RSI at 49.25 is Neutral, neither overbought nor oversold. The STOCH value of 15.76 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8331.

Chiba Bank Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
¥920.74B12.376.30%3.41%9.28%20.48%
64
Neutral
$12.85B9.817.79%78.20%12.23%-7.93%
$7.35B13.676.37%0.02%
$5.26B11.107.30%0.02%
$3.96B12.234.56%0.02%
71
Outperform
¥660.38B12.45
2.48%2.02%92.64%
68
Neutral
¥928.78B12.50
4.11%-2.86%34.66%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8331
Chiba Bank
1,286.00
-28.40
-2.16%
CCRDF
Concordia Financial Group
6.33
0.88
16.15%
FKKFF
Fukuoka Financial Group
27.45
2.15
8.50%
HACBF
Hachijuni Bank
7.99
1.81
29.29%
JP:5831
Shizuoka Financial Group, Inc.
1,703.00
283.30
19.95%
JP:7167
Mebuki Financial Group, Inc.
721.40
147.81
25.77%

Chiba Bank Corporate Events

Chiba Bank Announces Leadership Restructuring
May 8, 2025

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
May 8, 2025

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
May 8, 2025

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
Mar 28, 2025

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
Mar 27, 2025

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
Mar 24, 2025

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.

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.