Chiba Bank AI Stock Analysis
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Chiba Bank (8331) AI Stock Analysis
Chiba Bank
(TSE/TYO:8331)
The score is driven primarily by solid financial results (strong revenue and earnings trajectory) but moderated by balance-sheet leverage volatility and historically inconsistent cash flows. Technicals add support due to a clear uptrend and positive momentum indicators, while valuation is only average given a ~19.4x P/E and a modest ~1.8% dividend yield.
Chiba Bank (8331) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 11.44B
- Dividend Yield
- 2.30%
- Average Volume (3M)
- 3.04M
- Price to Earnings (P/E)
- 17.3
- Beta (1Y)
- 1.44
- Revenue Growth
- 28.18%
- EPS Growth
- 35.05%
- Country
- Japan
- Employees
- 4,377
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Chiba Bank Business Overview & Revenue Model
Company Description
The Chiba Bank, Ltd. operates as a financial institution offering a comprehensive suite of banking and related services to individuals and small to medium-sized businesses, both domestically in Japan and across international markets. Its primary serv...
How the Company Makes Money
Chiba Bank primarily makes money through its banking operations by earning (1) net interest income and (2) non-interest income (fees and commissions), supplemented by (3) income from its securities and other financial activities. 1) Net interest inco...
Chiba Bank Financial Statement Overview
Summary
Income statement strength is solid (score 82) with consistent revenue and net income growth, but overall fundamentals are held back by balance-sheet leverage volatility (score 62) and notably inconsistent operating/free cash flow (score 48) despite a recent rebound.
Income Statement
82Very PositiveBalance Sheet
62PositiveCash Flow
48Neutral| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 372.54B | 336.01B | 398.80B | 286.90B | 253.81B | 215.97B |
| Gross Profit | 271.59B | 249.75B | 285.46B | 220.96B | 220.76B | 205.98B |
| EBITDA | 115.33B | 117.27B | 146.36B | 100.34B | 96.11B | 88.29B |
| Net Income | 80.71B | 74.26B | 94.06B | 62.44B | 60.28B | 54.50B |
Balance Sheet | ||||||
| Total Assets | 20.94T | 21.63T | 21.21T | 21.32T | 19.79T | 19.10T |
| Cash, Cash Equivalents and Short-Term Investments | 2.83T | 4.26T | 2.71T | 4.69T | 4.07T | 4.20T |
| Total Debt | 2.98T | 5.15T | 2.43T | 3.41T | 3.03T | 3.43T |
| Total Liabilities | 19.71T | 20.49T | 19.95T | 20.14T | 18.73T | 18.05T |
| Stockholders Equity | 1.23T | 1.15T | 1.26T | 1.18T | 1.06T | 1.06T |
Cash Flow | ||||||
| Free Cash Flow | 0 | 9.37B | 99.39B | -1.44B | -31.60B | 699.59B |
| Operating Cash Flow | 0 | 24.24B | 111.43B | 3.18B | -20.38B | 710.04B |
| Investing Cash Flow | 0 | -392.51B | -986.53B | -653.95B | -88.49B | -81.37B |
| Financing Cash Flow | 0 | -65.05B | -702.87B | 1.27T | -29.09B | -41.37B |
Chiba Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8331, the sentiment is Positive. The current price of 2605.00 is above the 20-day moving average (MA) of 2518.45, below the 50-day MA of 2664.58, and above the 200-day MA of 2399.40, indicating a neutral trend. The MACD of -45.25 indicates Negative momentum. The RSI at 52.30 is Neutral, neither overbought nor oversold. The STOCH value of 57.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8331.
Chiba Bank Peers Comparison
Overall Rating
JP:718679.9Outperform
JP:854477Outperform
JP:833671.9Outperform- JP:833170Outperform
JP:717363Neutral
JP:833756Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7186 | 80Outperform | JPY 1.89T | 17.80 | 7.93% | 2.57% | 21.41% | 30.81% |
| JP:8544 | 77Outperform | JPY 263.15B | 15.93 | ― | 2.47% | 24.49% | 29.78% |
| JP:8336 | 72Outperform | JPY 244.67B | 15.52 | ― | 2.98% | 36.61% | 25.72% |
| JP:8331 | 70Outperform | JPY 1.78T | 17.34 | 8.43% | 2.30% | 28.18% | 35.05% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:7173 | 63Neutral | JPY 410.13B | 8.70 | ― | 1.80% | 14.90% | 8.34% |
| JP:8337 | 56Neutral | JPY 152.37B | 19.41 | ― | 0.39% | 27.90% | 3.75% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8331 | Chiba Bank | 2605.00 | 1128.16 | 76.39% | |
| JP:7186 | Concordia Financial Group | 1710.00 | 615.63 | 56.25% | |
| JP:7173 | Tokyo Kiraboshi Financial Group, Inc. | 1420.00 | 478.98 | 50.90% | |
| JP:8336 | Musashino Bank, Ltd. | 2449.00 | 1022.96 | 71.73% | |
| JP:8337 | Chiba Kogyo Bank, Ltd. | 2572.00 | 1025.69 | 66.33% | |
| JP:8544 | Keiyo Bank, Ltd. | 2271.00 | 928.09 | 69.11% |
Chiba Bank Corporate Events
Chiba Bank Approves ¥15 Billion Share Buyback
The Chiba Bank’s board approved a common-stock buyback of up to 7.5 million shares, representing 1.09% of shares outstanding excluding treasury stock, at a maximum cost of ¥15 billion. The acquisition period is scheduled from November 10, 2026, throu...
Chiba Bank Raises FY2026 Profit and Dividend Forecasts
Chiba Bank raised its FY2026 consolidated ordinary profit forecast by 14.3% to ¥176.4 billion and profit attributable to owners of the parent by 14.0% to ¥122 billion. The revisions reflect stronger-than-expected net interest income, including intere...
Chiba Bank Reports Strong First-Half Profit Growth
Chiba Bank is a Japanese commercial bank providing deposits, lending, payments and other financial services, with a primary focus on customers and businesses in Chiba Prefecture and surrounding markets. For the six months ended Sept. 30, consolidated...
Chiba Bank Completes ¥15 Billion Share Buyback to Bolster Shareholder Value
The Chiba Bank, Ltd. announced that it has completed a market-based share repurchase authorized by its board of directors on August 4, 2026, under provisions of the Companies Act of Japan. The bank acquired a total of 5,456,200 common shares for appr...
Chiba Bank Advances Share Buyback Program Under Board-Approved Mandate
Chiba Bank has been executing a share repurchase program authorized by its board on August 4, 2026, under provisions of the Companies Act of Japan. The bank is permitted to buy back up to 10 million shares of common stock, with a total acquisition co...
Chiba Bank Revises Restricted Stock Plans Ahead of Group Restructuring
Chiba Bank has moved to amend its existing restricted stock remuneration plans for internal directors ahead of its planned management integration with The Chiba Kogyo Bank and the creation of joint holding company Chiba Financial Group, Inc. The revi...
Chiba Bank Sets Extraordinary Meeting to Approve Joint Holding Company with Chiba Kogyo
The Chiba Bank, Ltd. has resolved to convene an extraordinary general meeting of shareholders on December 23, 2026 to vote on key proposals linked to the creation of Chiba Financial Group, Inc. as a joint holding company with The Chiba Kogyo Bank, Lt...
Chiba Bank and Chiba Kogyo Bank Set Governance for New Joint Holding Company
The Chiba Bank and The Chiba Kogyo Bank have approved a detailed share transfer plan to create Chiba Financial Group, Inc. as a joint holding company, scheduled to become the wholly owning parent of both banks on April 1, 2027, subject to shareholder...
Chiba Bank Advances Share Buyback Under Capital Policy Framework
Chiba Bank has launched a share repurchase program under the provisions of Japan’s Companies Act, reinforcing its capital policy while underscoring its role as an engagement-focused regional bank. The buyback targets common stock and is being execute...
Chiba Bank Sets Terms for USD300 Million Senior Unsecured Bond Issue
The Chiba Bank, Ltd. has set the terms for a new issuance of U.S. dollar-denominated senior unsecured bonds, underscoring its effort to diversify funding sources in international capital markets. The five-year bonds, carrying an annual interest rate...
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.
Date of analysis: Aug 17, 2026