Chiba Bank, Ltd.

Chiba Bank, Ltd.

2,467.00
JPY
-63.50
(-2.51%)
146.03EPS
16.89P/E
1.71TMarket Cap
Nov 09Next Earn
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
492.6
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
146.03
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
896.05
1,031.18
1,054.39
1,128.85
1,207.81
1,250.68
1,251.1
1,402.25
1,436.74
1,464.46
1,651.46
1,618.9
1,801.69
1,862.27
Tangible Book Value per Share
883.06
1,017.86
1,041.09
1,115.13
1,192.62
1,233.78
1,231.46
1,382.8
1,417.14
1,444.83
1,631.01
1,585.07
1,761.57
1,820.91
Basic Weighted Avg Shares
855
838
827
807
791
773
751
743
742
730
722
713
703
700
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
344,706
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
102,185
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
30.46
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
29.64
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
2,225,318
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
1,287,108
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.03
4.65
4.17
3.61
3.66
3.36
2.82
2.17
1.82
1.89
1.66
1.73
2.45
2.46
Return on Common Equity (%)
6.28
7.05
6.43
5.97
5.84
5.33
5.11
5.04
5.19
5.69
5.57
6.38
7.83
8.3

Capital Structure

JPY

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
698
698
691
Market Capitalization
1,219,837
1,392,898
1,705,068

Working Capital

JPY

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,304,960
2,680,390
2,688,178
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

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

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
63,006
60,519
57,617
68,604
249,746
2026
70,000
75,368
76,928
83,293
305,589
2027
109,117
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
28
24.79
23.52
27.86
104.18
2026
30.79
31.71
35.08
36.19
133.75
2027
43.16
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
35.13
2026
- -
- -
- -
- -
46.27
2027
- -
- -
- -
- -
- -

Company Description

CEO
Tsutomu Yonemoto
Full Time Employees
4,377
Sector
Finance
Industry
Regional banks
Address
1-2, Chiba-minato Chiba CH Japan 260-8720
IPO Date
Oct 1, 1970
Business
The Chiba Bank, Ltd. (8331.T) operates as a regional bank headquartered in Chiba City, Chiba Prefecture, Japan, and founded in March 1943. The bank provides a comprehensive range of banking products and services, including deposits, loans and bills discounted, foreign exchange transactions, and domestic and international remittances; retail banking offerings such as savings accounts, personal loans, mortgages, and credit cards; corporate banking solutions encompassing business loans, treasury services, cash management, project finance, and trade finance for small and medium-sized enterprises as well as larger corporations; and additional services like asset management consulting, investment trusts, insurance distribution, securities, credit guarantees, leasing, receivables management, employment placement, accounting, store maintenance, and software development. It maintains a domestic network of 183 offices primarily in Chiba Prefecture with expansion into adjacent areas along Tokyo commuter lines, plus overseas branches in New York, Hong Kong, London, and Singapore, and representative offices in Shanghai and Bangkok; total assets stand at ¥21,530.5 billion, deposits at ¥16,268.7 billion, and loans at ¥13,233.3 billion as of March 31, 2025. The bank targets individual customers, regional SMEs, and mid-sized corporates, generating revenue primarily from interest income on loans (around 85%), fees from banking services (13%), and investment advisory income (7%). In recent developments, Chiba Bank completed the acquisition of a 19.97% stake in Chiba Kogyo Bank, Ltd. (8337.T) for ¥23.7 billion from Ariake Master Fund on March 28, 2025, as part of efforts to enhance corporate value, support regional financial stability, and explore deeper ties including potential merger discussions. In September 2025, Chiba Bank and Chiba Kogyo Bank reached a basic agreement to integrate operations under a new holding company as early as April 2027, allowing both entities to operate separately while combining assets to nearly ¥25 trillion and forming Japan's second-largest regional banking group; final details on the holding company name and headquarters will be set by March 2026. These moves align with Chiba Bank's 15th Mid-term Plan (April 2023-March 2026), titled "Engagement Bank Group – Phase 1," which emphasizes customer-focused evolution through digital transformation, alliances like TSUBASA, Chiba-Musashino, and Chiba-Yokohama partnerships, green initiatives, and human capital investment, targeting FY2025 consolidated ROE above 7%, profit of ¥75 billion, and net business income of ¥120 billion.

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