The Chiba Bank, Ltd. logo

The Chiba Bank, Ltd.

8331.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥2,730

−¥23.50 · -0.85%

Aug 24, 3:30 PM JST

8331.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Tsutomu Yonemoto
Listed since
Sep 30, 1970
Employees
4,377

Market position

Day range

Current ¥2,730

52-week range

Current ¥2,730

Open
¥2,792.5
Previous close
¥2,753.5
Volume
1.33M
0.53× average
Average volume
2.5M
Average daily volume
Market cap
1.89T JPY
Beta
0.13
Market reference 1
50-day average
¥2,639.72
+3.42% above average
200-day average
¥2,180.86
+25.18% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.15T JPY
P/E (TTM)
18.68×
P/B (TTM)
1.47×
P/S (TTM)
4.21×
EV / EBITDA
7.82×
Earnings yield
6.70%
Free cash flow yield
7.08%
Dividend yield
1.90%

Profitability & efficiency

Gross margin
74.57%
Operating margin
32.78%
Net margin
22.79%
Return on equity
7.48%
Return on assets
0.44%
Return on invested capital
0.44%

Financial health

Debt / equity
1.92×
Current ratio
4.04×
Altman Z-score
0.26
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%73%44%14%Gross margin, FY2022: 95.37%Gross margin, FY2023: 86.98%Gross margin, FY2024: 77.02%Gross margin, FY2025: 74.33%Gross margin, FY2026: 71.58%Operating margin, FY2022: 36.29%Operating margin, FY2023: 34.15%Operating margin, FY2024: 31.60%Operating margin, FY2025: 31.79%Operating margin, FY2026: 34.13%Net margin, FY2022: 25.23%Net margin, FY2023: 23.75%Net margin, FY2024: 21.76%Net margin, FY2025: 22.10%Net margin, FY2026: 23.59%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 95.37%. Gross margin FY2023 86.98%. Gross margin FY2024 77.02%. Gross margin FY2025 74.33%. Gross margin FY2026 71.58%. Operating margin FY2022 36.29%. Operating margin FY2023 34.15%. Operating margin FY2024 31.60%. Operating margin FY2025 31.79%. Operating margin FY2026 34.13%. Net margin FY2022 25.23%. Net margin FY2023 23.75%. Net margin FY2024 21.76%. Net margin FY2025 22.10%. Net margin FY2026 23.59%.

Income trends

Revenue

398.8B JPY+18.69%

Operating income

136.11B JPY+27.41%

Net income

94.06B JPY+26.67%
Income trends across reported periods433.23B JPY295.51B JPY157.79B JPY20.07B JPYRevenue, FY2022: 215.98B JPYRevenue, FY2023: 253.82B JPYRevenue, FY2024: 286.9B JPYRevenue, FY2025: 336.01B JPYRevenue, FY2026: 398.8B JPYOperating income, FY2022: 78.38B JPYOperating income, FY2023: 86.67B JPYOperating income, FY2024: 90.67B JPYOperating income, FY2025: 106.83B JPYOperating income, FY2026: 136.11B JPYNet income, FY2022: 54.5B JPYNet income, FY2023: 60.28B JPYNet income, FY2024: 62.44B JPYNet income, FY2025: 74.26B JPYNet income, FY2026: 94.06B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 215.98B JPY. Revenue FY2023 253.82B JPY. Revenue FY2024 286.9B JPY. Revenue FY2025 336.01B JPY. Revenue FY2026 398.8B JPY. Operating income FY2022 78.38B JPY. Operating income FY2023 86.67B JPY. Operating income FY2024 90.67B JPY. Operating income FY2025 106.83B JPY. Operating income FY2026 136.11B JPY. Net income FY2022 54.5B JPY. Net income FY2023 60.28B JPY. Net income FY2024 62.44B JPY. Net income FY2025 74.26B JPY. Net income FY2026 94.06B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue398.8B JPY336.01B JPY286.9B JPY253.82B JPY215.98B JPY
Cost of goods sold113.33B JPY86.26B JPY65.94B JPY33.06B JPY9.99B JPY
Gross profit285.46B JPY249.75B JPY220.96B JPY220.76B JPY205.98B JPY
Selling, general, and administrative45.83B JPY44.2B JPY88.98B JPY91.13B JPY
Operating expenses149.35B JPY142.92B JPY130.3B JPY134.09B JPY127.6B JPY
Interest income305.46B JPY238.88B JPY198.58B JPY169.58B JPY138.07B JPY
Interest expense110.7B JPY86.26B JPY65.94B JPY33.06B JPY9.99B JPY
Depreciation and amortization10.67B JPY10.44B JPY9.68B JPY9.44B JPY9.91B JPY
Operating income136.11B JPY106.83B JPY90.67B JPY86.67B JPY78.38B JPY
Net income94.06B JPY74.26B JPY62.44B JPY60.28B JPY54.5B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+6.72%
11 comparable reports
Latest EPS result
43.16
Estimate 34.82 · Beat by 23.95%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates44.8936.9629.0221.09Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 7, 2025: actual 23.52, estimate 24.34, surprise -3.37%, Miss. Q2 2025, reported May 8, 2025: actual 27.86, estimate 22.82, surprise +22.09%, Beat. Q3 2025, reported Aug 4, 2025: actual 30.79, estimate 29.21, surprise +5.41%, Beat. Q4 2025, reported Nov 7, 2025: actual 31.71, estimate 31.35, surprise +1.15%, Beat. Q1 2026, reported Feb 2, 2026: actual 35.08, estimate 33.69, surprise +4.13%, Beat. Q2 2026, reported May 15, 2026: actual 36.21, estimate 32.22, surprise +12.38%, Beat. Q3 2026, reported Aug 4, 2026: actual 43.16, estimate 34.82, surprise +23.95%, Beat. Q4 2026, reported Nov 9, 2026: actual —, estimate 41.45, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates130.01B47.48B-35.05B-117.59BQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 7, 2025: actual 88.97B JPY, estimate 47.04B JPY, surprise +89.13%, Beat. Q2 2025, reported May 8, 2025: actual -70.35B JPY, estimate 48.01B JPY, surprise -246.53%, Miss. Q3 2025, reported Aug 4, 2025: actual 102.76B JPY, estimate 53.03B JPY, surprise +93.78%, Beat. Q4 2025, reported Nov 7, 2025: actual 112.94B JPY, estimate 55.42B JPY, surprise +103.79%, Beat. Q1 2026, reported Feb 2, 2026: actual 112.3B JPY, estimate 56.69B JPY, surprise +98.08%, Beat. Q2 2026, reported May 15, 2026: actual -100.51B JPY, estimate 59.04B JPY, surprise -270.24%, Miss. Q3 2026, reported Aug 4, 2026: actual 64.1B JPY, estimate 62.93B JPY, surprise +1.86%, Beat. Q4 2026, reported Nov 9, 2026: actual —, estimate 64.85B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥46.00

2025 complete year+130.0% since 2021

2026 partial: ¥28.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥32.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥32.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥28.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 29, 2026

Dividend

Ex-dividend Sep 29, 2025

¥24.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 5, 2025

Dividend

Ex-dividend Mar 28, 2025

¥22.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 30, 2025

Dividend

Ex-dividend Sep 27, 2024

¥18.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 5, 2024

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