Want to see JP:8337 full AI Analyst Report?
Top Page
Chiba Kogyo Bank, Ltd.
(8337)
Select Model
Select Model
Rating:69Neutral
Price Target:
¥2,851.00
▲(73.52% Upside)
Action:Reiterated
Date:05/15/26
The score is primarily supported by strong technical uptrend/momentum and a modest valuation (low P/E). It is held back by weaker financial quality due to historically volatile cash flows and the noted leverage anomaly, despite improving earnings.
Positive Factors
Improving Profitability
Revenue and net income rising through 2026 indicate the core banking franchise is generating stronger operating earnings. Sustained profit growth supports internal capital generation, funds loan growth and product investment, and improves resilience to credit cycles over the medium term.
Negative Factors
Volatile cash generation
Large multi-year swings in operating and free cash flow undermine predictability of internal funding. Persistent volatility can force defensive balance-sheet actions, constrain lending or dividends, and increase refinancing or liquidity risk during stress despite recent recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Revenue and net income rising through 2026 indicate the core banking franchise is generating stronger operating earnings. Sustained profit growth supports internal capital generation, funds loan growth and product investment, and improves resilience to credit cycles over the medium term.
Read all positive factors
Chiba Kogyo Bank, Ltd. (8337) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥154.74B
Dividend Yield0.38%
Average Volume (3M)131.50K
Price to Earnings (P/E)19.0
Beta (1Y)1.59
Revenue Growth24.02%
EPS Growth15.27%
CountryJP
Employees1,307
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)137.52
Shares Outstanding62,222,046
10 Day Avg. Volume130,680
30 Day Avg. Volume131,500
Financial Highlights & Ratios
PEG Ratio0.77
Price to Book (P/B)0.57
Price to Sales (P/S)1.89
P/FCF Ratio7.78
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Chiba Kogyo Bank, Ltd. Business Overview & Revenue Model
Company Description
The Chiba Kogyo Bank, Ltd., together with its associated companies, offers a diverse array of financial services and products throughout Japan. Its offerings include deposit accounts, various lending options, credit cards, guarantees for home and ...
How the Company Makes Money
The bank primarily makes money through (1) net interest income—earning interest on loans and other interest-bearing assets and paying interest on customer deposits and other funding; the spread between these rates is a central driver of profitabil...
Chiba Kogyo Bank, Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
66
Positive
Cash Flow
45
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 57.83B | 51.28B | 49.96B | 46.28B | 46.48B |
| Gross Profit | 50.34B | 48.82B | 49.20B | 45.86B | 46.11B |
| EBITDA | 14.85B | 12.30B | 11.53B | 11.35B | 10.54B |
| Net Income | 8.61B | 7.46B | 7.43B | 6.48B | 6.38B |
Balance Sheet | |||||
| Total Assets | 3.40T | 3.25T | 3.23T | 3.18T | 3.57T |
| Cash, Cash Equivalents and Short-Term Investments | 225.82B | 244.52B | 259.06B | 261.92B | 685.73B |
| Total Debt | 41.62B | 35.81B | 27.22B | 21.83B | 841.55B |
| Total Liabilities | 3.20T | 3.07T | 3.04T | 3.01T | 3.40T |
| Stockholders Equity | 192.81B | 170.15B | 182.66B | 166.60B | 171.73B |
Cash Flow | |||||
| Free Cash Flow | 14.04B | 17.55B | -1.19B | -432.26B | 0.00 |
| Operating Cash Flow | 15.34B | 18.58B | 591.00M | -430.23B | 0.00 |
| Investing Cash Flow | -147.28B | -55.85B | -12.79B | 10.81B | 2.33B |
| Financing Cash Flow | 113.01B | 22.80B | 26.79B | -389.05B | 45.75B |
Chiba Kogyo Bank, Ltd. Technical Analysis
Neutral
1643.00
Price Trends
2501.80
Positive
2311.60
Positive
2063.64
Positive
Market Momentum
27.85
Positive
50.85
Neutral
38.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8337, the sentiment is Neutral. The current price of 1643 is below the 20-day moving average (MA) of 2657.55, below the 50-day MA of 2501.80, and below the 200-day MA of 2063.64, indicating a neutral trend. The MACD of 27.85 indicates Positive momentum. The RSI at 50.85 is Neutral, neither overbought nor oversold. The STOCH value of 38.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8337.
Chiba Kogyo Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥257.45B | 15.97 | ― | 3.00% | 30.51% | 18.50% | |
70 Outperform | ¥1.80T | 19.64 | 7.67% | 1.89% | 22.65% | 28.42% | |
69 Neutral | ¥154.74B | 18.99 | ― | 0.58% | 24.02% | 15.27% | |
68 Neutral | ¥1.30T | 16.81 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | ¥307.06B | 17.60 | ― | 2.13% | 19.41% | 60.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥491.86B | 9.95 | ― | 1.95% | 17.98% | 34.51% |
* Financial Sector Average
JP:8337
Chiba Kogyo Bank, Ltd.
2,604.00
1,135.31
77.30%
JP:8331
Chiba Bank
2,626.00
1,282.00
95.39%
JP:7167
Mebuki Financial Group, Inc.
1,522.00
726.51
91.33%
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
1,744.00
966.54
124.32%
JP:8336
Musashino Bank, Ltd.
2,631.00
1,443.41
121.54%
JP:8544
Keiyo Bank, Ltd.
2,686.00
1,564.44
139.49%
Chiba Kogyo Bank, Ltd. Corporate Events
Chiba Kogyo Bank Books Large Unrealized Bond Losses but Affirms Earnings and Dividend Outlook
Jul 31, 2026
The Chiba Kogyo Bank reported unrealized losses of ¥17,314 million on bonds held to maturity as of June 30, 2026, against a book value of ¥112,161 million and market value of ¥94,847 million, representing 136.2% of its consolidated ...
Chiba Kogyo Bank Finalizes New Stock-Based Compensation Plan for Executives
Jul 22, 2026
The Chiba Kogyo Bank, Ltd., a regional Japanese commercial bank listed on the Tokyo Stock Exchange Prime Market, provides financial services to customers in and around Chiba Prefecture under the leadership of President and CEO Hitoshi Umeda.The ba...
Chiba Kogyo Bank to Fully Redeem Class VII Preferred Shares Ahead of New Holding Company
Jun 23, 2026
The Chiba Kogyo Bank, Ltd. has detailed its plan to repurchase all outstanding 2nd Series of Class VII Preferred Shares, excluding treasury stock, as part of a broader capital policy ahead of forming a joint holding company with The Chiba Bank, Lt...
Chiba Kogyo Bank Sets Terms for New Stock-Based Compensation Plan
Jun 23, 2026
The Chiba Kogyo Bank, Ltd. has approved the issuance of its 14th series of share acquisition rights as stock-based compensation for six directors and 17 executive officers, totaling 157 rights. Each right corresponds to 100 shares of common stock ...
Chiba Kogyo Bank Reshapes Executive Roster With New Managing Executive Officer
May 28, 2026
The Chiba Kogyo Bank, Ltd., a regional lender listed on the Tokyo Stock Exchange Prime Market, has outlined the composition of its board, audit and supervisory board members, and executive officer ranks as of May 28, 2026. The structure features a...
Chiba Kogyo Bank Lifts Earnings and Plans Higher Dividend for FY2027
May 14, 2026
The Chiba Kogyo Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 21.0% to ¥68.9 billion and profit attributable to owners of parent climbing 15.4% to ¥8.6 billion. Total asse...
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.