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Chiba Bank Ltd (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
▲(10.15%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 DescriptionChiba Bank, Ltd. (8331) is a prominent regional bank headquartered in Chiba Prefecture, Japan. It is one of the leading financial institutions in the region, providing a comprehensive range of banking services. The bank primarily caters to individual customers, small and medium-sized enterprises (SMEs), and large corporations, offering products such as deposits, loans, foreign exchange, and investment services. Chiba Bank also engages in securities, leasing, and other financial services, enhancing its ability to serve the diverse needs of its clients.
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
Income Statement
Balance Sheet
Cash Flow
Breakdown
TTMMar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
251.29B222.54B224.22B207.76B202.03B199.15B
Gross Profit
258.70B270.48B224.22B207.76B202.03B199.15B
EBIT
90.70B91.02B77.23B68.47B62.10B60.74B
EBITDA
103.22B0.0096.11B88.29B80.82B76.81B
Net Income Common Stockholders
64.06B62.44B60.28B54.50B49.64B48.04B
Balance SheetCash, Cash Equivalents and Short-Term Investments
370.50B4.69T4.07T4.20T3.62T1.93T
Total Assets
10.26T21.32T19.79T19.10T17.90T15.61T
Total Debt
187.09B3.41T2.14T2.13T1.75T860.53B
Net Debt
-183.41B-4.69T-1.92T-2.07T-1.87T-1.07T
Total Liabilities
9.66T20.14T1.67T18.05T16.86T14.68T
Stockholders Equity
592.46B1.18T1.06T1.06T1.04T929.33B
Cash FlowFree Cash Flow
9.64B777.71B-31.60B699.59B1.89T-86.00M
Operating Cash Flow
9.64B384.52B-20.38B710.04B1.91T20.95B
Investing Cash Flow
0.00-136.01B-88.49B-81.37B-182.83B-102.95B
Financing Cash Flow
0.00371.60B-29.09B-41.37B-14.12B-22.03B

Chiba Bank Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1310.00
Price Trends
50DMA
1255.84
Positive
100DMA
1288.89
Positive
200DMA
1228.84
Positive
Market Momentum
MACD
14.26
Positive
RSI
54.63
Neutral
STOCH
31.15
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 1310 is above the 20-day moving average (MA) of 1302.28, above the 50-day MA of 1255.84, and above the 200-day MA of 1228.84, indicating a bullish trend. The MACD of 14.26 indicates Positive momentum. The RSI at 54.63 is Neutral, neither overbought nor oversold. The STOCH value of 31.15 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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$926.10B12.446.30%2.93%9.28%20.48%
71
Outperform
¥648.84B12.24
2.24%2.02%92.64%
70
Outperform
$763.14B10.427.30%3.17%15.35%-1.62%
68
Neutral
¥923.06B12.43
3.54%-2.86%34.66%
65
Neutral
¥575.60B11.704.56%3.37%16.68%1.73%
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
60
Neutral
¥1.05T12.886.37%2.99%8.79%19.19%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8331
Chiba Bank
1,310.00
-76.16
-5.49%
JP:5831
Shizuoka Financial Group, Inc.
1,714.50
225.68
15.16%
JP:7167
Mebuki Financial Group, Inc.
727.10
135.16
22.83%
JP:7186
Concordia Financial Group
936.00
45.79
5.14%
JP:8354
Fukuoka Financial Group
4,024.00
-175.30
-4.17%
JP:8359
Hachijuni Bank
1,189.00
198.68
20.06%

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
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.