Chiba Bank (8331) AI Stock Analysis

• Market Cap: $1.08T
• Dividend Yield: 2.67%
• Average Volume (3M): 2.36M
• Price to Earnings (P/E): 14.2
• Beta (1Y): 1.35
• Revenue Growth: 15.86%
• EPS Growth: 24.81%
• Country: JP
• Employees: 4,076
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 31.71
• 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): 3.78
• P/FCF Ratio: 106.45
• Enterprise Value/Market Cap: 0.28
• Enterprise Value/Revenue: 0.95
• Enterprise Value/Gross Profit: 1.20
• Enterprise Value/Ebitda: 2.83
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ¥1,443.00 ▼(-12.25% Downside)

Chiba Bank's strong financial performance, characterized by robust revenue growth and high profitability margins, is a significant strength. The technical analysis indicates a bullish trend, although the stock is nearing overbought conditions. The valuation is fair, with a reasonable P/E ratio and an attractive dividend yield. These factors collectively contribute to a solid overall stock score.

Chiba Bank Business Overview & Revenue Model

Company Description

Chiba Bank (8331) is a prominent regional bank based in Chiba Prefecture, Japan. Established in 1948, it provides a wide range of financial services including commercial banking, personal banking, asset management, and investment services. The bank caters to both individual and corporate clients, focusing on lending, deposit services, and financial advisory. Chiba Bank also engages in various sectors such as retail banking, corporate banking, and international finance, aiming to support local economic development and enhance customer financial well-being.

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

Chiba Bank exhibits strong financial performance with robust revenue growth, high profitability margins, and a stable balance sheet. The bank's equity position is solid, and it shows effective leverage management. However, inconsistencies in free cash flow are a concern, which slightly reduces the overall score.

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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	325.14B	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	108.51B	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: 1644.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 1644.5 is above the 20-day moving average (MA) of 1545.87, above the 50-day MA of 1518.97, and above the 200-day MA of 1375.98, indicating a bullish trend. The MACD of 34.33 indicates Negative momentum. The RSI at 68.25 is Neutral, neither overbought nor oversold. The STOCH value of 86.39 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8359	76 Outperform	$722.36B	14.07	5.37%	3.14%	14.57%	100.81%
8331	73 Outperform	$1.08T	14.15	6.56%	2.67%	15.86%	24.81%
5831	72 Outperform	¥1.15T	15.09	―	2.86%	9.16%	29.12%
7167	71 Outperform	¥839.97B	15.22	―	2.21%	18.45%	41.89%
7186	69 Neutral	$1.28T	14.79	6.87%	2.69%	19.38%	29.95%
8354	68 Neutral	$874.88B	11.63	7.39%	3.48%	12.77%	9.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Chiba Bank Corporate Events

Chiba Bank Announces Share Buyback Program

The Chiba Bank, Ltd. has announced the acquisition of its own shares, purchasing 4,913,800 shares at a total cost of 7,319,677,500 yen on the Tokyo Stock Exchange. This move is part of a broader plan to acquire up to 12 million shares, with an allocated budget of up to 15 billion yen, aimed at enhancing shareholder value and optimizing capital structure.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank Reports Strong Earnings Growth for 2025

Chiba Bank, a prominent financial institution listed on the Tokyo Stock Exchange, is primarily engaged in providing banking services such as deposits, loans, and foreign exchange, with a focus on contributing to local community development. In its latest earnings report for the first half of fiscal year 2025, Chiba Bank reported a significant increase in ordinary income and profit attributable to owners of the parent, driven by a rise in interest income. The bank’s ordinary income reached 211,370 million yen, marking a 21.7% increase from the previous year, while ordinary profit and profit attributable to owners of the parent grew by 18.5% and 17.0%, respectively. The bank’s total assets slightly decreased to 20,943.6 billion yen, yet it saw an increase in deposits and loans, reflecting its strategic focus on enhancing customer relationships and meeting funding needs. Looking ahead, Chiba Bank remains committed to its vision of being an ‘Engagement Bank Group’ that closely collaborates with the community, aiming to sustain growth and provide value through deep connections with stakeholders.

Chiba Bank Reports Strong Financial Performance in First Half of FY2025

Chiba Bank reported strong financial results for the first half of fiscal year 2025, with significant increases in ordinary income, ordinary profit, and profit attributable to owners of the parent compared to the previous year. The bank’s total assets slightly decreased, but net assets and capital assets to total assets ratio improved, indicating a robust financial position. The bank also announced an increase in dividends, reflecting its solid performance and commitment to shareholder returns.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank to Acquire Own Shares to Boost Shareholder Returns

The Chiba Bank has announced a resolution to acquire up to 12 million of its own shares, representing 1.69% of its issued shares, with a total acquisition cost of up to 15 billion yen. This move is aimed at enhancing shareholder returns by improving capital efficiency, reflecting the bank’s strategic focus on optimizing financial performance and shareholder value.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank and Chiba Kogyo Bank Explore Management Consolidation

The Chiba Bank and The Chiba Kogyo Bank have signed a memorandum of understanding to explore a management consolidation by establishing a holding company. This move aims to enhance regional financial capabilities and address complex regional challenges while respecting each bank’s autonomy. The consolidation seeks to strengthen customer solutions, improve productivity, and create new growth opportunities for employees amid increasing competition in the financial sector.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.

Chiba Bank Clarifies Media Reports on Potential Integration

Chiba Bank has acknowledged media reports regarding potential business integration with Chiba Kogyo Bank but clarified that no concrete decisions have been made yet. The banks are in discussions, and Chiba Bank will make announcements once decisions are finalized, highlighting the ongoing strategic considerations in the banking sector.

The most recent analyst rating on (JP:8331) stock is a Hold with a Yen1630.00 price target. To see the full list of analyst forecasts on Chiba Bank stock, see the JP:8331 Stock Forecast page.