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Regional bank serving Chiba Prefecture (east of Tokyo) individuals and small/mid-size businesses.
Regional bank serving Chiba Prefecture (east of Tokyo) individuals and small/mid-size businesses.
Earns from the gap between loan and deposit rates, mostly from lending to households and small firms in Chiba Prefecture, a large commuter belt for Tokyo, with fees and securities income adding a smaller share.
In one line: A Japanese prefecture-focused regional bank.
Moat: narrow (distribution, customer qualification). Long-standing dominant deposit franchise in Chiba, a populous Tokyo-adjacent prefecture.
Headquarters: Chiba, Japan · Founded: 1943 · Employees: 4,377
Size Chiba Bank (8331.T) is a Japan Financials company (Regional Banks) with a market value of $10.3B, the 134th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,377 on 6 Nov 2026.
Performance Over six months the shares gained 9.3%, against +5.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 31.1% over the last twelve months (peer median +4.8%); the operating margin is 42.1% (peer median 40.8%).
Valuation It trades at 1.28× book value against a peer median of 1.21× (10th most expensive of 21).
Price implies The share price implies a return on equity of about 6.9%; Chiba Bank delivers 8.3%, so the price asks less than the business earns today.
Credit Chiba Bank has 1 bond outstanding ($300M) and trading like BBB+ at a weighted spread of 79 bp.
Next results Next results expected around 9 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥424B | ¥411B | ¥333B | ¥284B | ¥251B |
| Revenue growth | — | +23% | +17% | +13% | — |
| Net income | ¥102B | ¥94.1B | ¥74.3B | ¥62.4B | ¥60.3B |
| Free cash flow | n/a | ¥101B | ¥70.7B | -¥1.44B | -¥9.72B |
| Capital expenditure | n/a | ¥23.4B | ¥14.7B | ¥10.2B | ¥11.2B |
| Total debt | ¥2.47T | ¥2.43T | ¥3.38T | ¥3.41T | ¥2.50T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Chiba Bank 8331.T | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% |
| Yokohama Financial 7186.T | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8331.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -17.8% | +2.8% | 3rd lowest of 21 |
| 6-month return | +9.3% | +5.2% | 7th highest of 21 |
| Return on equity | 8.3% | 9.4% | 7th lowest of 21 |
| Price / book | 1.28× | 1.21× | 10th most expensive of 21 |
| Trailing P/E | 16.3× | 14.4× | 7th most expensive of 20 |
| ROE the price implies | 6.9% | 8.1% | 8th least demanding of 20 |
| ROE delivered | 8.3% | 9.5% | 6th lowest of 20 |
| Bond spread | 79 bp | 132 bp | tightest of 4 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |
| Chang Hwa Commercial Bank 2801.TW | Taiwan | $10.2B | +34% | +3% | 9% | 1.46× | 4.7% | 9.2% |
| Shizuoka Financial 5831.T | Japan | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% | 8.2% |
| Popular BPOP | United States | $9.83B | +5% | +4% | 17% | 1.58× | 11.1% | 16.6% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| Cullen/Frost Bankers CFR | United States | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% | 16.2% |
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| Chongqing Rural Commercial Bank 3618.HK | Hong Kong | $11.5B | -4% | +4% | 9% | 0.44× | 4.1% | 9.5% |
| SBI Shinsei Bank 8303.T | Japan | $9.20B | -11% | +27% | 10% | 1.15× | 4.7% | 9.9% |
| Central Bancompany CBC | United States | $9.04B | +38% | +10% | 13% | 2.35× | 10.9% | 12.6% |
| CNPC Capital 000617.SZ | China | $12.3B | -31% | -14% | 5% | 0.76× | 7.9% | 4.6% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |
| Bank of Chengdu 601838.SS | China | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% | 15.1% |
| Western Alliance Bancorp WAL | United States | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% | 13.2% |
| Luzerner Kantonalbank LUKN.SW | Switzerland | $7.86B | +28% | -3% | 9% | 1.76× | n/a | 8.9% |
| Taiwan Cooperative Financial Hl 5880.TW | Taiwan | $13.6B | +22% | -3% | 9% | 1.55× | 4.8% | 8.9% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
Chiba Bank has 1 bond outstanding with $300M face value. Weighted yield 5.42%, a spread of 79 bp over government bonds.