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    Banks - Regional
The Chiba Bank, Ltd.

The Chiba Bank, Ltd.

CHBAY
The Chiba Bank, Ltd.US flagOther OTC
75.71
USD
- -
- -
10.57BMarket Cap
The Chiba Bank, Ltd.
CHBAY
(Other OTC)

Recent

price

75.71

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
1,093.6
1,079.64
1,107.04
1,099.59
1,133.09
1,151.88
1,151.9
1,214.87
1,246.32
1,308.82
1,351.6
1,388.61
1,511.21
1,531.07
1,751.8
- -
2,159.98
Revenue per Share
228.27
232.36
254.41
271.45
340.15
335.19
326.6
339.95
326.53
319.99
334.11
367.39
412.62
432.65
520.88
- -
664.86
Basic EPS, GAAP
384.96
261.1
853.32
1,602.48
2,483.73
2,078.6
2,194.67
-703.25
1,505.24
-0.57
12,720.81
4,716.22
-216.32
5,388.83
65.71
- -
- -
Free Cash Flow per Basic Share
55.26
55.02
55.39
62.84
60.08
70.19
72.98
75.2
78.01
80.16
94.99
110.29
130.64
150.64
175.65
- -
- -
Dividend per Share
2,753.98
2,969.89
3,151.15
3,406.21
3,732.72
4,049.89
4,404.58
4,714.1
4,959.01
5,238.9
5,532.86
5,794.41
6,164.98
6,522.18
6,894.87
- -
7,205.45
Book Value per Share
3,463.82
3,726.44
4,140.73
4,414.46
5,055.45
5,171.83
5,510.11
5,885.54
6,076.67
6,093.46
6,914.26
7,042.36
7,166.53
8,085.32
7,864.92
- -
8,689.01
Tangible Book Value per Share
178
175
174
171
168
165
161
158
155
150
149
148
146
144
143
- -
141
Basic Weighted Avg Shares
194,560
189,437
192,127
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
6,538
7,340
8,258
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
- -
Depreciation Expense
40,611
40,770
44,152
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
Net Income, GAAP
40.91
40.29
37.46
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
Effective Tax Rate (%)
20.87
21.52
22.98
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
320,506
236,730
354,844
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
LT Debt
625,990
664,076
729,243
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.56
8.06
8.27
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
Return on Common Equity (%)

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
1,219,443
1,460,152

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
127.03
- -
- -
- -
432.65
2025
140
- -
- -
- -
520.88
2026
153.97
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
150.64
2025
- -
- -
- -
- -
175.65
2026
- -
- -
- -
- -
- -
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Business
The Chiba Bank, Ltd. (CHBAY) operates as a leading regional bank in Japan, providing a comprehensive range of banking and financial services including deposits, loans and bills discounted, foreign exchange transactions, savings accounts, personal loans, mortgages, credit cards, business loans, treasury services, cash management solutions, wealth management, investment products and advisory, securities investments, life and non-life insurance offerings, and digital banking via online and mobile platforms; it also develops software and leasing services through subsidiaries. Headquartered in Chiba City, Chiba Prefecture, and founded in March 1943, the bank maintains a domestic network of 183 offices primarily in Chiba Prefecture with expansions into adjacent Ibaraki, Saitama, and central Tokyo areas, alongside overseas branches in New York, Hong Kong, London, and Singapore plus representative offices in Shanghai and Bangkok, serving approximately 3.1 million retail customers and over 12,000 corporate clients focused on small to medium enterprises and large corporations. As of March 31, 2025, it reports total assets of ¥21,530.5 billion, deposits of ¥16,268.7 billion, and loans of ¥13,233.3 billion, with a consolidated total capital ratio of 15.04%. In recent developments, The Chiba Bank acquired a 19.9% equity stake in The Chiba Kogyo Bank, Ltd. for approximately ¥23.7 billion in March 2025 from Ariake Master Fund, followed by a basic agreement in September 2025 to integrate operations under a new holding company as early as April 2027, forming Japan's second-largest regional banking group with combined assets nearing ¥25 trillion while maintaining separate banking entities, no branch consolidations, and no personnel reductions to support regional revitalization amid rising interest rates and deposit competition.

Company News

APIChatGPT

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