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

• Market Cap: ¥97.34B
• Dividend Yield: 0.6%
• Average Volume (3M): 224.22K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 1.41
• Revenue Growth: 6.57%
• EPS Growth: 13.25%
• Country: JP
• Employees: 1,322
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 49.97
• Shares Outstanding: 62,222,046
• 10 Day Avg. Volume: 142,380
• 30 Day Avg. Volume: 224,220
• 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: ¥1,729.00
• Price Target Upside: 5.23% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• Price Target: ¥1,729.00 ▲(5.23% 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.

Chiba Kogyo Bank, Ltd. Business Overview & Revenue Model

Company Description

Chiba Kogyo Bank, Ltd. (8337) is a regional financial institution based in Chiba Prefecture, Japan. The bank primarily operates in the banking sector, providing a range of financial services including retail banking, corporate banking, and investment services. Its core products encompass deposit accounts, loans for individuals and businesses, foreign exchange services, and asset management solutions. The bank aims to support local economic development and cater to the financial needs of its community.

How the Company Makes Money

Chiba Kogyo Bank generates revenue primarily through interest income from loans extended to individuals and businesses, which constitutes the bulk of its earnings. Additionally, the bank earns fees from various services such as account maintenance, transaction services, and investment advisory. The bank may also engage in securities trading and investment activities, providing another stream of income. Key partnerships with local businesses and government entities help to enhance its service offerings and attract more customers. Furthermore, the bank's focus on regional development and personalized customer service strengthens customer loyalty, contributing positively to its financial performance.

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	50.05B	48.75B	46.08B
Gross Profit	54.87B	54.43B	49.58B	50.05B	48.75B	47.18B
EBITDA	7.27B	12.30B	11.53B	11.35B	10.54B	6.28B
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 above the 20-day moving average (MA) of 1611.30, above the 50-day MA of 1570.10, and above the 200-day MA of 1403.85, indicating a bullish trend. The MACD of 7.07 indicates Positive momentum. The RSI at 55.24 is Neutral, neither overbought nor oversold. The STOCH value of 60.47 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
7184	80 Outperform	¥94.62B	8.78	―	3.18%	25.33%	5.53%
7350	77 Outperform	¥80.04B	9.09	―	3.20%	8.97%	36.69%
7322	77 Outperform	¥92.24B	10.41	―	3.45%	15.39%	24.95%
8360	73 Outperform	¥106.00B	12.43	―	3.05%	8.18%	25.89%
8346	72 Outperform	¥114.94B	13.42	―	1.97%	25.01%	51.67%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8337	66 Neutral	¥97.34B	11.53	―	0.60%	6.57%	13.25%

Chiba Kogyo Bank, Ltd. Corporate Events

Chiba Kogyo Bank Completes Strategic Share Repurchase

Chiba Kogyo Bank, Ltd. has completed the repurchase and cancellation of 500,000 Class II Preferred Shares, which represents 25% of the total shares issued. This strategic move, finalized on October 20, 2025, involved a total expenditure of 2 billion yen and is part of the bank’s ongoing efforts to optimize its capital structure, potentially enhancing shareholder value.

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 Enhances Shareholder Benefits with New Deposit Program

Chiba Kogyo Bank, Ltd. has announced an enhancement to its shareholder benefits program by offering a semi-annual ‘shareholder benefit fixed deposit’ to express gratitude to shareholders and increase the investment appeal of its stock. This initiative, applicable to shareholders holding 100 shares or more as of September 30, 2025, offers a higher interest rate on deposits made with new funds, aiming to strengthen shareholder engagement and potentially improve the bank’s market positioning.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen1663.00 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 and Chiba Bank Explore Management Consolidation

Chiba Kogyo Bank, Ltd. and The Chiba Bank, Ltd. have announced a memorandum of understanding to explore a management consolidation by establishing a holding company. This strategic move aims to enhance regional financial capabilities, respect operational autonomy, and address complex regional challenges. The consolidation is expected to strengthen customer experiences and provide greater value by leveraging mutual strengths and resources, ultimately contributing to the economic development of Chiba Prefecture.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen1663.00 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 to Repurchase Class II Preferred Shares

Chiba Kogyo Bank, Ltd. announced its decision to repurchase 500,000 Class II Preferred Shares, which constitute 25% of the total shares issued, at a price of 4,000 yen per share. This move aims to reduce future dividend burdens and enhance the bank’s financial standing by excluding these shares from core capital calculations, thereby increasing the value of its common shares.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen1663.00 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 Discusses Potential Integration with Chiba Bank

Chiba Kogyo Bank, Ltd. has confirmed ongoing discussions with The Chiba Bank, Ltd. regarding a potential business integration and the establishment of a holding company. However, the bank clarified that no concrete decisions have been made yet, and any formal announcements will be made once decisions are finalized.

The most recent analyst rating on (JP:8337) stock is a Hold with a Yen1663.00 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 Q1 2025 Financial Performance

Chiba Kogyo Bank, Ltd. reported a significant increase in its financial performance for the three months ended June 30, 2025, with ordinary income rising by 13.2% and profit attributable to owners of the parent increasing by 32.5% compared to the same period last year. This improvement in financial results underscores the bank’s strengthened market position and operational efficiency, which could positively impact stakeholders and enhance its competitive standing in the financial sector.

Chiba Kogyo Bank Reports Unrealized Losses with No Impact on Financial Forecast

Chiba Kogyo Bank, Ltd. reported unrealized losses of ¥7,290 million on bonds held to maturity for the three months ending June 30, 2025. Despite these losses, the bank stated that there will be no impact on its financial results forecast or cash dividend projection for the fiscal year ending March 31, 2026, indicating stability in its financial outlook.

Chiba Kogyo Bank Finalizes Stock-Based Compensation Details

The Chiba Kogyo Bank, Ltd. has finalized the issuance details of stock options as stock-based compensation for its Directors and Executive Officers. This strategic move, resolved at the Board of Directors meeting on June 26, 2025, involves the allocation of share acquisition rights to a select group of executives, potentially impacting the company’s governance and aligning management interests with shareholder value.