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The Chiba Bank, Ltd. (8331.T)

JPY2,787.00 +6.00 (+0.22%)
JP JPX Financial Services Banks - Regional
Address 1-2, Chiba-minato 260-8720
Chiba, JP
CEO Tsutomu Yonemoto
IPO 2000-01-04
ISIN JP3511800009

Explore sections of this company profile

Also trades on Other OTC · CHBAF (USD) Other OTC · CHBAY (USD) Tokyo Stock Exchange · 8331.T (JPY)
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 services encompass a wide array of deposit options and various lending solutions, including bills discounting. The bank also specializes in investment management and advisory services. Beyond traditional banking, its operations extend to securities trading, leasing, credit card provisions, and credit guarantees, alongside the handling and recovery of claims. Furthermore, it engages in operational outsourcing, manages and rents its office and welfare facilities, and is involved in the purchase and sale of supplies and consumer goods. With a focus on technology, the company develops and markets software, performs commissioned computational tasks, and conducts research into IT and financial innovations. Additional offerings include housing loan guarantees, fee collection, and expert information, survey, and consulting services. It also provides accounting, general administrative outsourcing, and temporary staffing, while managing investment funds and offering M&A advisory. Established in 1943 and headquartered in Chiba, Japan, the bank maintained a substantial presence as of June 25, 2021, with 186 domestic locations (including 183 branches and 3 money exchange counters), three international branches in New York, Hong Kong, and London, and three representative offices in Shanghai, Singapore, and Bangkok.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY2,787.00 +6.00 (+0.22%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.14
Float Shares
453.45M
Free Float %
65.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.87% +8.31% +7.15% +3.62% +49.49% +30.92% +83.10% +160.32% +224.86% +335.16% +318.84%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
2,787.00
DCF (Unlevered) 13,331.89 +378.4%
DCF (Levered) 12,697.84 +355.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 56% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 2 -1
Hold 4 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.26
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +18.7% Q1'26: +15.8% (vs Q1'25)
  • EPS growth
    +28.4% Q1'26: +29.7% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +36.0% (vs Q1'25)
  • ROIC
    Q1'26: +10.3% (vs Q1'25)
  • Share dilution
    -1.3% Q1'26: -2.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 16.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.13) × ERP
WACC = 40% × Ke + 60% × Kd (4.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 13,239.03 Current price: 2,787.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
4 Rev. Ana.
6 EPS Ana.
Mar 2027
4 Rev. Ana.
5 EPS Ana.
Mar 2028
4 Rev. Ana.
7 EPS Ana.
Mar 2029
3 Rev. Ana.
1 EPS Ana.
Mar 2030
3 Rev. Ana.
1 EPS Ana.
Revenue
201.85B
est: 162.82B (+24.0%)
205.95B
est: 162.28B (+26.9%)
202.56B
est: 158.20B (+28.0%)
211.18B
est: 161.18B (+31.0%)
217.80B
est: 163.65B (+33.1%)
220.63B
est: 156.94B (+40.6%)
213.41B
est: 172.86B (+23.5%)
215.98B
est: 184.19B (+17.3%)
253.82B
est: 190.86B (+33.0%)
286.90B
est: 252.01B (+13.8%)
336.01B
est: 194.57B (+72.7%)
226.33B
220.96B – 234.04B
+16.3% YoY
265.77B
251.04B – 287.00B
+17.4% YoY
310.44B
268.54B – 345.53B
+16.8% YoY
365.80B
329.85B – 401.55B
+17.8% YoY
272.90B
246.08B – 299.57B
-25.4% YoY
EBITDA
95.99B
est: 60.73B (+58.1%)
93.04B
est: 60.53B (+53.7%)
84.63B
est: 59.00B (+43.4%)
85.69B
est: 60.12B (+42.5%)
80.95B
est: 61.04B (+32.6%)
76.81B
est: 58.54B (+31.2%)
80.82B
est: 64.47B (+25.4%)
88.29B
est: 68.70B (+28.5%)
96.11B
est: 71.19B (+35.0%)
100.34B
est: 93.46B (+7.4%)
117.27B
est: 72.16B (+62.5%)
83.93B
81.94B – 86.79B
+16.3% YoY
98.56B
93.10B – 106.43B
+17.4% YoY
115.13B
99.59B – 128.14B
+16.8% YoY
135.66B
122.33B – 148.92B
+17.8% YoY
101.21B
91.26B – 111.10B
-25.4% YoY
EBIT
88.23B
est: 54.49B (+61.9%)
84.88B
est: 54.31B (+56.3%)
76.61B
est: 52.94B (+44.7%)
77.09B
est: 53.94B (+42.9%)
72.22B
est: 54.76B (+31.9%)
68.78B
est: 52.52B (+31.0%)
71.46B
est: 57.84B (+23.5%)
78.38B
est: 61.64B (+27.2%)
86.67B
est: 63.87B (+35.7%)
90.67B
est: 84.66B (+7.1%)
106.83B
est: 65.36B (+63.4%)
76.03B
74.23B – 78.62B
+16.3% YoY
89.28B
84.33B – 96.41B
+17.4% YoY
104.28B
90.21B – 116.07B
+16.8% YoY
122.88B
110.80B – 134.89B
+17.8% YoY
91.67B
82.66B – 100.63B
-25.4% YoY
Net Income
57.03B
est: 47.47B (+20.1%)
55.44B
est: 48.31B (+14.8%)
52.73B
est: 47.74B (+10.5%)
53.80B
est: 49.97B (+7.7%)
50.48B
est: 50.23B (+0.5%)
48.04B
est: 48.32B (-0.6%)
49.64B
est: 47.00B (+5.6%)
54.50B
est: 52.13B (+4.5%)
60.28B
est: 59.51B (+1.3%)
62.44B
est: 64.06B (-2.5%)
74.26B
est: 76.01B (-2.3%)
92.19B
91.04B – 93.34B
+21.3% YoY
108.09B
107.09B – 109.10B
+17.3% YoY
118.44B
104.78B – 134.84B
+9.6% YoY
148.80B
115.32B – 149.01B
+25.6% YoY
137.42B
119.86B – 154.88B
-7.6% YoY
SGA
89.04B
est: 48.95B (+81.9%)
87.63B
est: 48.79B (+79.6%)
90.37B
est: 47.56B (+90.0%)
91.19B
est: 48.46B (+88.2%)
89.11B
est: 49.20B (+81.1%)
89.03B
est: 47.18B (+88.7%)
93.96B
est: 51.97B (+80.8%)
91.13B
est: 55.38B (+64.6%)
88.98B
est: 57.38B (+55.1%)
44.20B
est: 53.58B (-17.5%)
45.83B
est: 41.37B (+10.8%)
48.12B
46.98B – 49.76B
+16.3% YoY
56.50B
53.37B – 61.01B
+17.4% YoY
66.00B
57.09B – 73.46B
+16.8% YoY
77.77B
70.13B – 85.37B
+17.8% YoY
58.02B
52.32B – 63.69B
-25.4% YoY
EPS
68.02
est: 66.59 (+2.1%)
67.03
est: 67.77 (-1.1%)
65.32
est: 66.97 (-2.5%)
67.99
est: 70.09 (-3.0%)
65.31
est: 70.47 (-7.3%)
64.00
est: 67.78 (-5.6%)
66.82
est: 65.94 (+1.3%)
73.48
est: 73.13 (+0.5%)
82.52
est: 82.70 (-0.2%)
86.53
est: 89.06 (-2.8%)
104.17
est: 100.85 (+3.3%)
131.23
129.46 – 132.72
+30.1% YoY
153.93
152.27 – 155.13
+17.3% YoY
174.05
148.99 – 191.73
+13.1% YoY
188.00
163.98 – 211.89
+8.0% YoY
195.40
170.44 – 220.23
+3.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-05-14 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-05-13 C 2/5 1/5 2/5 2/5 1/5 2/5 3/5
2026-05-12 C 2/5 1/5 2/5 2/5 1/5 2/5 3/5
2026-05-11 C 2/5 1/5 2/5 2/5 1/5 2/5 3/5
2026-05-08 C+ 2/5 1/5 2/5 3/5 1/5 2/5 3/5
2026-05-07 C+ 2/5 1/5 2/5 3/5 1/5 2/5 3/5
2026-05-01 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-04-30 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-04-28 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-04-27 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-04-24 C+ 2/5 1/5 3/5 3/5 1/5 2/5 3/5
2026-04-23 B- 2/5 1/5 3/5 4/5 1/5 2/5 3/5
2026-04-22 B- 2/5 1/5 3/5 4/5 1/5 2/5 3/5
2026-04-21 B- 2/5 1/5 3/5 4/5 1/5 2/5 3/5
2026-04-20 B- 2/5 1/5 3/5 4/5 1/5 2/5 3/5
2026-04-17 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5
2026-04-16 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
24.21B
OE per share TTM
34.01
Owner's Yield
1.52%
Maintenance CapEx ratio
28.35%
Maint CapEx / Avg PPE
45.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 231 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
33.39M
Shares Outstanding
694.74M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Akira Nagaoka General Manager of Sales & Executive Officer
Atsushi Imai Managing Executive Officer & Group Chief HR Officer
Hideki Shibata Managing Executive Officer & Group Chief Digital Transformation Officer
Kazunari Tanaka Managing Executive Officer & Group Chief Information Officer
Kiyomi Yamazaki Deputy President, Group CBO, GM & Representative Director male
Masayasu Ono Senior Executive Officer, Group Chief Risk Officer, Head of Admin. Division, GM & Director male
Matsuti Torou IR Professional male
Mutsumi Awaji Deputy President, Representative Director & Group Chief Sustainability Officer female
Nobukazu Odaka Managing Executive Officer
Tsutomu Yonemoto President, Chief Executive Officer & Representative Director male
Yoichi Mataki Managing Executive Officer male
Yumiko Mitsuoka Executive Officer & GM
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits