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

• Market Cap: ¥117.42B
• Dividend Yield: 0.58%
• Average Volume (3M): 131.50K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 1.45
• Revenue Growth: 15.03%
• EPS Growth: 16.66%
• Country: JP
• Employees: 1,322
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 35.01
• Shares Outstanding: 62,222,046
• 10 Day Avg. Volume: 130,680
• 30 Day Avg. Volume: 131,500
• PEG Ratio: 2.90
• Price to Book (P/B): 0.44
• Price to Sales (P/S): 1.45
• P/FCF Ratio: 4.22
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: ¥2,141.00 ▲(30.31% Upside)

The overall stock score of 66 reflects strong financial stability and positive technical momentum, despite challenges in revenue growth and cash flow volatility. The valuation is fair, supporting the stock's current price levels.

Positive Factors

High net profit margin

A net margin near 17% indicates structurally efficient lending and fee businesses versus peers. Sustained margins provide resilience to cyclical credit costs, support internal reinvestment and dividends, and underpin long-term profitability even if top-line growth is uneven.

Conservative balance sheet

A low debt-to-equity ratio and solid equity base create a durable capital buffer, enabling the bank to absorb shocks, maintain lending capacity to SMEs, and meet regulatory requirements without aggressive capital raises, supporting stable operations over months.

Strong operating cash generation

Operating cash flow well above net income signals high-quality earnings and internal funding capacity. Reliable cash conversion supports dividend payments, loan growth, and liquidity management, reducing dependency on external funding during stress periods.

Negative Factors

Declining revenue trend

A negative revenue trajectory undermines scalability of the business and pressures future net income and fee income streams. Over several quarters, shrinking top-line can limit investment in products and technology, weakening competitive position in the regional banking market.

Historical cash flow volatility

Past swings in cash flow create uncertainty around available capital for lending, dividends, and capital expenditures. Even with recent improvement, volatility complicates multi-quarter planning and can force conservative provisioning or restrict strategic initiatives.

Modest return on equity

ROE near 4.4% indicates limited efficiency in converting equity into shareholder returns. Persistently low ROE can signal structural limits to profitability versus peers, reducing appeal to investors and constraining retained-earnings-driven growth over the medium term.

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 provided to individuals and businesses. The bank offers various types of loans, including personal loans, business loans, and mortgages, which are charged interest over time. Additionally, the bank earns money from fees associated with account maintenance, transaction services, and other banking services. Investment in securities and other financial instruments also contributes to its earnings. The bank maintains relationships with local businesses and government entities, allowing it to create strategic partnerships that enhance its lending capabilities and expand its customer base, ultimately driving profitability.

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	54.87B	51.28B	49.96B	46.28B	46.48B	45.43B
Gross Profit	54.87B	48.82B	49.20B	45.86B	46.11B	44.99B
EBITDA	7.27B	12.30B	11.53B	11.35B	10.54B	9.32B
Net Income	8.16B	7.46B	7.43B	6.48B	6.38B	4.76B
Balance Sheet
Total Assets	3.33T	3.25T	3.23T	3.18T	3.57T	3.25T
Cash, Cash Equivalents and Short-Term Investments	0.00	244.52B	259.06B	261.92B	685.73B	359.42B
Total Debt	35.65B	35.81B	27.22B	21.83B	423.65B	149.84B
Total Liabilities	3.15T	3.07T	3.04T	3.01T	3.40T	3.07T
Stockholders Equity	173.41B	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	45.75B	-1.26B

Chiba Kogyo Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1643.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 1643 is below the 20-day moving average (MA) of 1862.60, below the 50-day MA of 1738.74, and above the 200-day MA of 1496.13, indicating a bullish trend. The MACD of 60.87 indicates Negative momentum. The RSI at 70.71 is Negative, neither overbought nor oversold. The STOCH value of 81.94 is Negative, 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
7350	82 Outperform	¥112.05B	11.98	―	2.71%	15.37%	35.08%
7322	75 Outperform	¥130.10B	13.78	―	2.96%	14.85%	21.17%
7184	73 Outperform	¥141.45B	13.88	―	2.63%	23.55%	-21.15%
8346	72 Outperform	¥151.49B	16.42	―	2.23%	29.06%	40.95%
8360	72 Outperform	¥151.25B	16.15	―	2.56%	17.66%	49.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8337	66 Neutral	¥117.42B	13.72	―	0.58%	15.03%	16.66%

Chiba Kogyo Bank, Ltd. Corporate Events

Chiba Kogyo Bank Reports Unrealized Bond Losses but Keeps Earnings and Dividend Outlook Intact

The Chiba Kogyo Bank has disclosed unrealized losses of ¥12,556 million on bonds classified as held to maturity as of the end of the third quarter on December 31, 2025, an amount that exceeds its consolidated ordinary profit and profit attributable to owners of parent recorded for the fiscal year ended March 31, 2025. Despite these unrealized losses, which arise from the difference between book value of ¥115,266 million and market value of ¥102,710 million for the affected securities, the bank reports offsetting valuation gains on available-for-sale securities, resulting in total valuation gains on securities of ¥20,003 million, and states that the situation will not affect its earnings forecast or dividend projection for the fiscal year ending March 31, 2026, signaling limited immediate impact for shareholders and other stakeholders.

The most recent analyst rating on (JP:8337) stock is a Buy with a Yen2131.00 price target. To see the full list of analyst forecasts on Chiba Kogyo Bank, Ltd. stock, see the JP:8337 Stock Forecast page.

Chiba Kogyo Bank Moves to Make Key Leasing and IT Subsidiaries Wholly Owned

The Chiba Kogyo Bank announced that it has signed share transfer agreements to acquire additional shares of its consolidated subsidiaries Chiba General Lease Co., Ltd. and Chiba Kogin Computer Soft Co., Ltd., with the aim of making them wholly owned units, following a plan first disclosed in October 2025. As part of this move, the bank will purchase shares of Chiba General Lease from major shareholder Sodegaura Kogyo Co., Ltd., consolidating control over a steadily growing leasing business that already maintains close transactional ties with the bank; this full integration is expected to strengthen group cohesion, streamline management of leasing and related services, and potentially enhance the bank’s ability to provide comprehensive financial solutions to its regional corporate customers.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen1729.00 price target. To see the full list of analyst forecasts on Chiba Kogyo Bank, Ltd. stock, see the JP:8337 Stock Forecast page.

Chiba Kogyo Bank Reports Strong Financial Growth for First Half of 2025

Chiba Kogyo Bank, Ltd. reported a significant increase in its financial performance for the six months ending September 30, 2025, with a 15.7% rise in ordinary income and a 20.2% increase in profit attributable to owners of the parent compared to the previous year. The bank’s improved financial results reflect a strong market position and operational efficiency, with a notable increase in comprehensive income and a stable equity-to-asset ratio, indicating positive implications for its stakeholders.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen1729.00 price target. To see the full list of analyst forecasts on Chiba Kogyo Bank, Ltd. stock, see the JP:8337 Stock Forecast page.