Chiba Kogyo Bank, Ltd. (8337) AI Stock Analysis

• Market Cap: ¥94.55B
• Dividend Yield: 0.63%
• Average Volume (3M): 152.96K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 1.35
• Revenue Growth: 6.57%
• EPS Growth: 13.25%
• Country: JP
• Employees: 1,322
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 49.97
• Shares Outstanding: 62,222,046
• 10 Day Avg. Volume: 115,240
• 30 Day Avg. Volume: 152,956
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ¥1,663.00
• Price Target Upside: -5.62% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 67 Neutral
• Price Target: ¥1,663.00 ▼(-5.62% Downside)

Chiba Kogyo Bank, Ltd. shows strong technical indicators with a positive trend and reasonable valuation, contributing to a favorable stock score. However, financial performance is hindered by declining revenue and cash flow volatility, which slightly offsets the positive aspects.

Chiba Kogyo Bank, Ltd. Business Overview & Revenue Model

Company Description

The Chiba Kogyo Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan. It offers deposit products, loans, credit cards, housing and other loan guarantee services, and leasing services. The company also develops, sells, and maintains computer systems. As of March 31, 2021, it operated 74 branches. The Chiba Kogyo Bank, Ltd. was incorporated in 1952 and is headquartered in Chiba, Japan.

How the Company Makes Money

Chiba Kogyo Bank generates revenue primarily through interest income from loans extended to individuals and businesses, which constitutes the bulk of its earnings. Additionally, the bank earns fees from various services such as account maintenance, transaction services, and investment advisory. The bank may also engage in securities trading and investment activities, providing another stream of income. Key partnerships with local businesses and government entities help to enhance its service offerings and attract more customers. Furthermore, the bank's focus on regional development and personalized customer service strengthens customer loyalty, contributing positively to its financial performance.

Chiba Kogyo Bank, Ltd. Financial Statement Overview

Summary

Chiba Kogyo Bank, Ltd. demonstrates solid profitability and financial stability, with strong margins and a low debt profile. However, declining revenue and historical cash flow volatility present challenges. The bank should focus on reversing the revenue decline and stabilizing cash flows to enhance overall financial health.

Income Statement

The income statement shows a stable net profit margin of around 16.9% in the latest year, indicating solid profitability. However, the revenue growth rate has been negative, at -3.96%, which is a concern. EBIT and EBITDA margins are healthy, suggesting efficient operations, but the declining revenue trend needs attention.

Balance Sheet

The balance sheet reflects a strong equity position with a low debt-to-equity ratio of 0.21, indicating financial stability. Return on equity is modest at 4.38%, suggesting room for improvement in generating returns for shareholders. The equity ratio is solid, supporting the bank's stability.

Cash Flow

Cash flow analysis reveals a significant improvement in free cash flow, but historical volatility is a concern. The operating cash flow to net income ratio is strong at 3.54, indicating good cash generation relative to net income. However, past negative cash flows highlight potential risks.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	54.43B	51.28B	49.58B	50.05B	48.75B	46.08B
Gross Profit	54.43B	54.43B	49.58B	50.05B	48.75B	45.64B
EBITDA	8.44B	8.59B	11.53B	11.35B	10.54B	9.32B
Net Income	7.46B	7.46B	7.43B	6.48B	6.38B	4.76B
Balance Sheet
Total Assets	3.25T	3.25T	3.23T	3.18T	3.57T	3.25T
Cash, Cash Equivalents and Short-Term Investments	244.52B	244.52B	259.06B	261.92B	685.73B	359.42B
Total Debt	35.81B	35.81B	27.22B	21.83B	423.65B	149.84B
Total Liabilities	3.07T	3.07T	3.04T	3.01T	3.40T	3.07T
Stockholders Equity	170.15B	170.15B	182.66B	166.60B	171.73B	178.85B
Cash Flow
Free Cash Flow	0.00	17.55B	-1.19B	-432.26B	332.21B	253.86B
Operating Cash Flow	0.00	18.58B	591.00M	-430.23B	333.93B	256.03B
Investing Cash Flow	0.00	-55.85B	-12.79B	10.81B	2.33B	-28.05B
Financing Cash Flow	0.00	22.80B	26.79B	-389.05B	320.86B	-1.26B

Chiba Kogyo Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1762.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8337, the sentiment is Positive. The current price of 1762 is above the 20-day moving average (MA) of 1566.05, above the 50-day MA of 1535.30, and above the 200-day MA of 1385.57, indicating a bullish trend. The MACD of 24.67 indicates Negative momentum. The RSI at 63.27 is Neutral, neither overbought nor oversold. The STOCH value of 70.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8337.

Chiba Kogyo Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7184	79 Outperform	81.38B	7.90	8.76%	2.60%	25.33%	5.53%
7322	77 Outperform	90.42B	10.21	4.20%	2.88%	15.39%	24.95%
8346	75 Outperform	108.38B	12.75	3.77%	2.09%	25.01%	51.67%
7350	74 Outperform	79.40B	9.02	5.17%	2.64%	8.97%	36.69%
8360	73 Outperform	98.81B	12.16	3.60%	2.46%	8.18%	25.89%
8337	67 Neutral	¥94.55B	11.20	―	0.63%	6.57%	13.25%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Chiba Kogyo Bank, Ltd. Corporate Events

Chiba Kogyo Bank Reports Nine-Month Financial Results with Strategic Adjustments

Chiba Kogyo Bank reported its consolidated financial results for the nine months ending December 31, 2024, showing a modest increase in ordinary income and profit, but a decrease in profit attributable to owners compared to the previous year. The bank’s financial position reflects a slight decrease in net assets and equity ratio, while it expanded its scope of consolidation by including two new companies. Despite these changes, the bank’s earnings forecasts remain unchanged, highlighting a focus on stability amidst industry challenges.