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

• Market Cap: ¥88.69B
• Dividend Yield: 0.67%
• Average Volume (3M): 439.93K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 1.40
• Revenue Growth: 5.76%
• EPS Growth: 8.33%
• Country: JP
• Employees: 1,322
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 15.26
• Shares Outstanding: 62,222,046
• 10 Day Avg. Volume: 960,320
• 30 Day Avg. Volume: 439,933
• PEG Ratio: 0.67
• Price to Book (P/B): 0.19
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.07
• 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

• Rating: 59 Neutral
• Price Target: ―

Chiba Kogyo Bank, Ltd. has a moderate overall stock score driven by strong financial stability but challenged by poor cash flow management. The stock's technical indicators are bearish, highlighting potential downward risks. Despite an attractive P/E valuation, the low dividend yield may not appeal to income-focused investors. Overall, the bank's financial health is stable, but improvements in cash flow and earnings quality are necessary for a higher score.

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, Ltd. generates revenue primarily through interest income from its lending activities, including personal and business loans, mortgages, and other credit facilities. Additionally, the bank earns fees and commissions from various financial services, such as transaction processing, investment advisory, and asset management. The bank also engages in securities trading and investment activities, contributing to its revenue. Strategic partnerships with local businesses and financial institutions may further enhance its earnings by expanding service offerings and customer reach.

Chiba Kogyo Bank, Ltd. Financial Statement Overview

Summary

Chiba Kogyo Bank, Ltd. exhibits a mixed financial performance. The income statement reflects strong margins but inconsistent revenue growth. The balance sheet is robust with low leverage, yet ROE indicates opportunities for better shareholder returns. Cash flow management presents significant challenges, with zero free cash flow in TTM pointing to liquidity concerns. While the bank maintains stability, focusing on enhancing cash flow efficiency and earnings quality could drive future improvements.

Income Statement

The income statement shows a moderate performance with a Gross Profit Margin of 94.33% for TTM, indicating strong cost management. However, there is a significant dip in the Net Income compared to the last annual report, resulting in a Net Profit Margin of 12.45%. Revenue growth has been erratic, with a positive trajectory in recent periods. Strong EBIT and EBITDA margins for TTM at 42.27% and 9.68% respectively, suggest efficient operational management but highlight room for improvement in earnings quality.

Balance Sheet

The balance sheet reflects a stable position with a solid Equity Ratio of 5.18% for TTM, indicating a strong capital base. The Debt-to-Equity Ratio is 0.20, suggesting low leverage and reduced financial risk. However, the Return on Equity of 3.74% shows potential room for improvement in generating returns for shareholders. Overall, the balance sheet demonstrates financial stability with conservative risk management.

Cash Flow

Cash flow statements reveal critical weaknesses, as TTM data shows zero values for Operating and Free Cash Flows, indicating potential concerns in liquidity and cash management. Historical fluctuations in cash flows suggest volatility in operational cash generation. The absence of free cash flow growth and low Free Cash Flow to Net Income Ratio further emphasize the need for improved cash flow stability.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	53.40B	44.07B	49.58B	46.88B	47.03B	45.64B
Gross Profit	50.72B	0.00	49.58B	46.88B	47.03B	45.64B
EBITDA	6.99B	8.59B	11.53B	11.35B	10.54B	0.00
Net Income	7.19B	7.46B	7.43B	6.48B	6.38B	4.76B
Balance Sheet
Total Assets	3.32T	3.25T	3.23T	3.18T	3.57T	3.25T
Cash, Cash Equivalents and Short-Term Investments	315.54B	0.00	259.06B	261.92B	685.73B	359.42B
Total Debt	33.77B	35.81B	27.22B	21.83B	423.65B	145.20B
Total Liabilities	3.14T	3.07T	3.04T	21.83B	3.40T	3.07T
Stockholders Equity	171.80B	170.15B	182.66B	166.60B	171.73B	178.85B
Cash Flow
Free Cash Flow	0.00	17.55B	-2.33B	-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	-4.48B	-9.88B	-1.26B

Chiba Kogyo Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1497.00
• 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:8337, the sentiment is Positive. The current price of 1497 is above the 20-day moving average (MA) of 1279.60, above the 50-day MA of 1212.86, and above the 200-day MA of 1273.52, indicating a bullish trend. The MACD of 86.61 indicates Negative momentum. The RSI at 69.65 is Neutral, neither overbought nor oversold. The STOCH value of 88.41 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	78 Outperform	¥69.99B	8.34		3.86%	4.92%	28.04%
8346	78 Outperform	¥82.67B	11.01		3.05%	15.19%	7.23%
7184	75 Outperform	¥63.82B	4.80		3.77%	21.73%	151.58%
Sector *	73 Outperform	€28.46B	11.24	17.20%	3.97%	9.17%	28.21%
7322	72 Outperform	¥78.84B	9.11		4.16%	10.31%	19.79%
8360	66 Neutral	¥84.10B	10.46		3.37%	-6.07%	21.28%
8337	59 Neutral	¥88.69B	12.85		0.67%	5.76%	8.33%

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.