The Chiba Bank, Ltd.

The Chiba Bank, Ltd.

CHBAF
The Chiba Bank, Ltd.US flagOther OTC
13.73
USD
- -
- -
9.49BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
219.92
226.62
230.38
230.38
242.97
249.26
261.76
270.32
277.72
302.24
306.21
350.36
434.53
432
Basic EPS, GAAP
54.29
68.03
67.04
65.32
67.99
65.31
64
66.82
73.48
82.52
86.53
104.18
133.75
132.97
Free Cash Flow per Basic Share
320.5
496.75
415.72
438.93
-140.65
301.05
-0.11
2,544.16
943.24
-43.26
1,077.77
13.14
-1,908.42
- -
Dividend per Share
12.57
12.02
14.04
14.6
15.04
15.6
16.03
19
22.06
26.13
30.13
35.13
46.27
- -
Book Value per Share
681.24
746.54
809.98
880.92
942.82
991.8
1,047.78
1,106.57
1,158.88
1,233
1,304.44
1,378.97
1,449.53
1,441.09
Tangible Book Value per Share
882.89
1,011.09
1,034.37
1,102.02
1,177.11
1,215.33
1,218.69
1,382.85
1,408.47
1,433.31
1,617.06
1,572.98
1,747.98
1,737.8
Basic Weighted Avg Shares
855
838
827
807
791
773
751
743
742
730
722
713
703
707
Sales/Revenue/Turnover
188,111
189,987
190,530
185,974
192,252
192,669
196,478
200,818
205,982
220,759
220,964
249,746
305,589
305,589
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
7,409
7,760
8,169
8,020
8,605
8,724
8,034
9,360
9,909
9,439
9,676
10,442
10,671
- -
Net Income, GAAP
46,438
57,033
55,444
52,730
53,796
50,478
48,037
49,641
54,498
60,276
62,440
74,259
94,063
94,063
Effective Tax Rate (%)
38.64
35.36
34.68
31.17
30.22
30.11
30.15
30.53
30.47
30.45
31.13
30.49
30.89
30.89
Profit Margin (%)
24.69
30.02
29.1
28.35
27.98
26.2
24.45
24.72
26.46
27.3
28.26
29.73
30.78
30.78
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
405,938
424,610
510,530
646,771
449,082
663,791
860,533
1,748,293
2,130,723
2,141,144
3,158,999
3,114,190
2,175,632
2,175,632
Total Equity
766,187
858,747
866,398
900,550
943,236
952,267
929,334
1,041,756
1,059,091
1,061,115
1,181,503
1,145,190
1,257,300
1,257,300
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.22
9.44
8.56
7.64
7.38
6.67
6.19
6.17
6.48
6.85
6.78
7.72
9.4
9.4

Capital Structure

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
708
698
698
Market Capitalization
1,130,146
1,197,271
1,542,145

Working Capital

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,825,691
2,304,960
2,680,390
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.92%
3.98%
9.79%
Free Cash Flow
-221,560.91%
-3,450.84%
-14,426.77%
Net Income, GAAP
5.9%
13.91%
26.67%
Sales/Revenue/Turnover
5.06%
9.04%
22.36%
Total Cash Common Dividend
11.25%
18.32%
29.96%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
56,395
56,172
56,236
52,162
220,964
2025
63,006
60,519
57,617
68,604
249,746
2026
70,000
75,368
76,928
83,293
305,589

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
25.41
- -
- -
- -
86.53
2025
28
- -
- -
- -
104.18
2026
30.79
- -
- -
- -
133.75

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
30.13
2025
- -
- -
- -
- -
35.13
2026
- -
- -
- -
- -
46.27

Company Description

APIChatGPT
CEO
Tsutomu Yonemoto
Full Time Employees
4,377
Sector
Financial Services
Industry
Banks - Regional
Address
1-2, Chiba-minato Chiba CH Japan 260-8720
IPO Date
May 15, 2012
Business
The Chiba Bank, Ltd. is a regional bank primarily engaged in retail and corporate banking services across the Kanto region of Japan, with a strong focus on Chiba Prefecture and the Greater Tokyo area. Founded in 1943 and headquartered in Chiba, Japan, the bank offers a comprehensive range of financial products and services including deposits; loans such as mortgages and consumer loans; domestic and foreign exchange transactions; leasing; securities brokerage; credit card services; investment advisory; and wealth management. Additionally, the bank provides software development and business management and staffing services. It operates an extensive domestic branch network with 183 offices and maintains overseas branches in New York, Hong Kong, London, and Singapore, along with representative offices in Shanghai and Bangkok. In terms of recent developments, The Chiba Bank has advanced its digital transformation strategy by partnering with Google Cloud Japan as of January 2024 to bolster sophisticated digital marketing initiatives and enhance customer experience through artificial intelligence. The bank continues its aggressive expansion within the Tokyo metropolitan area and has strengthened its non-financial services such as its regional trading company subsidiary, Chibagin Market Co., Ltd., focusing on new growth drivers. It also introduced Green Loans in early 2024 as part of its sustainability efforts. The bank maintains a strong retail and SME franchise supported by a dense branch network, digital channels, and the TSUBASA Alliance to reduce IT costs and improve service delivery. These initiatives are designed to increase productivity and profitability while maintaining high credit quality under a strict risk management system. The Chiba Bank leverages its stable low-cost deposit base, long customer relationships, and cross-border partnerships to support corporate and project finance activities, particularly for mid-sized corporates and exporters. Overall, The Chiba Bank, Ltd. operates within the financial services industry, specializing in banking and investment services aimed at individuals, small businesses, and corporate clients within Japan and select international markets, sustaining its position as the leading regional bank in Chiba Prefecture with ongoing strategic expansions and digital innovation initiatives.