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

• Market Cap: ¥145.38B
• Dividend Yield: 0.58%
• Average Volume (3M): 131.50K
• Price to Earnings (P/E): 15.5
• Beta (1Y): 1.49
• Revenue Growth: 15.03%
• EPS Growth: 16.66%
• Country: JP
• Employees: 1,322
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 44.88
• 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: 65 Neutral
• Price Target: ¥2,607.00 ▲(58.67% Upside)
• Action: Reiterated Date: 02/05/26
• Date: Action: Reiterated 02/05/26

The score is driven primarily by solid financial stability and profitability, tempered by declining revenue and cash-flow volatility. Technicals are supportive with strong momentum and price above key averages, but overbought indicators add near-term risk. Valuation is fair on P/E but lacks support from a low dividend yield.

Positive Factors

Balance Sheet Strength

A low debt-to-equity ratio of 0.21 signals a conservative capital structure and strong equity buffer. This supports lending capacity, regulatory resilience and funding flexibility during stress, sustaining the bank’s ability to serve regional customers over the medium term.

Profitability / Margins

A ~16.9% net margin and healthy operating/EBITDA margins indicate efficient core banking operations and favorable interest income economics. Durable margins provide internal funding for operations and cushions against cyclical earnings shocks over the next several quarters.

Cash Generation

A strong operating cash flow to net income ratio (3.54) and recent free cash flow improvement show solid cash conversion from earnings. This enhances capacity to fund loan growth, maintain liquidity and support capital plans without heavy reliance on external financing.

Negative Factors

Declining Revenue

Negative revenue growth (-3.96%) is a structural concern: shrinking top line constrains the bank’s ability to grow earnings and absorb costs. If persistent, it will pressure long-term profitability, limit reinvestment and require strategic adjustments to restore growth.

Cash-Flow Volatility

Historical volatility in cash flows increases uncertainty for lending, dividend policy and capital allocation. Even with recent improvement, inconsistent cash generation can force higher liquidity buffers or curtail lending capacity, affecting medium-term growth plans.

Modest Return on Equity

A ROE of 4.38% suggests limited efficiency in converting equity into profit relative to peers. Modest returns constrain shareholder value creation and may reflect a conservative, low-margin regional lending mix that limits long-run capital accumulation and dividend support.

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

Profitability and balance sheet strength are solid (net margin ~16.9%, low debt-to-equity 0.21), but overall fundamentals are held back by negative revenue growth (-3.96%) and historically volatile cash flows despite recent improvement.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
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: Positive
• 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 1643 is below the 20-day moving average (MA) of 2270.15, below the 50-day MA of 1988.54, and above the 200-day MA of 1603.32, indicating a bullish trend. The MACD of 116.99 indicates Positive momentum. The RSI at 66.69 is Neutral, neither overbought nor oversold. The STOCH value of 34.31 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
7350	78 Outperform	¥128.27B	11.95	―	2.71%	15.37%	35.08%
7184	72 Outperform	¥173.33B	16.76	―	2.63%	23.55%	-21.15%
7322	70 Outperform	¥164.19B	14.02	―	2.96%	14.85%	21.17%
8346	70 Outperform	¥183.25B	16.74	―	2.23%	29.06%	40.95%
8360	69 Neutral	¥176.19B	16.81	―	2.56%	17.66%	49.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8337	65 Neutral	¥145.38B	15.47	―	0.58%	15.03%	16.66%

Chiba Kogyo Bank, Ltd. Corporate Events

Chiba Kogyo Bank to Buy Back and Cancel Class VII Preferred Shares Ahead of Planned Consolidation

The Chiba Kogyo Bank, Ltd. has decided to acquire all 481,500 outstanding First Series Class VII preferred shares for approximately ¥24.1 billion in cash and subsequently cancel them, as part of its long-term strategy to reduce its preferred share ratio and optimize its capital structure. This move, supported by a solid equity ratio of 9.22% as of December 31, 2025, accelerates the bank’s plan to bring preferred shares below 20% of issued shares by the end of FY2027 and aligns its balance sheet ahead of a planned management consolidation with The Chiba Bank, Ltd. through the establishment of a holding company, potentially simplifying the capital structure and improving clarity for shareholders before integration.

The acquisition will be executed by exercising an acquisition clause with notification to all holders of the First Series of Class VII preferred shares on February 10, 2026, with completion and cancellation scheduled for April 1, 2026. By fully retiring this preferred stock series, Chiba Kogyo Bank aims to reinforce financial stability, streamline its equity profile, and better position itself for the upcoming management consolidation, which could enhance its scale, efficiency, and competitive standing in the regional banking market.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen2362.00 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 Lifts Full-Year Profit Forecast on Strong Core Earnings

The Chiba Kogyo Bank, Ltd. has raised both its consolidated and non-consolidated earnings forecasts for the fiscal year ending March 31, 2026, citing stronger-than-expected performance. The bank now projects consolidated ordinary profit of ¥12.3 billion and profit attributable to owners of parent of ¥8.5 billion, marking increases of 8.8% and 13.3% over its previous guidance.

On a non-consolidated basis, ordinary profit is now forecast at ¥12.0 billion and profit at ¥8.5 billion, also up from prior estimates and exceeding last year’s ordinary profit results. Management attributes the upgrade to steady growth in interest income from loans and deposits, solid profits from service transactions, and securities investment income expected to surpass earlier assumptions, signaling robust core earnings momentum for stakeholders.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen2362.00 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 Lifts Profit Forecast on Strong Nine-Month Results

The Chiba Kogyo Bank reported strong results for the nine months ended December 31, 2025, with ordinary income rising 18.5% year on year to ¥49.8 billion and profit attributable to owners of parent climbing 28.1% to ¥7.4 billion. Earnings per share also improved, and total assets expanded to ¥3.43 trillion, while the equity-to-asset ratio edged up to 5.4%, underscoring a gradual strengthening of its balance sheet.

The bank maintained its dividend stance, paying no interim dividend on common shares but keeping its full-year dividend forecast at ¥10 per share, indicating a stable shareholder return policy. Management also raised its full-year earnings outlook, projecting a 15.1% increase in ordinary profit and a 13.9% rise in profit attributable to owners of parent, signaling confidence in sustained profitability and operational momentum into the fiscal year-end.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen2362.00 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 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.