The Chiba Bank, Ltd. Logo

The Chiba Bank, Ltd.

8331.T

(3.2)
Stock Price

1.148,50 JPY

0.29% ROA

5.63% ROE

12.9x PER

Market Cap.

771.193.158.400,00 JPY

232.24% DER

1.6% Yield

28.02% NPM

The Chiba Bank, Ltd. Stock Analysis

The Chiba Bank, Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Chiba Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.77x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 ROE

ROE in an average range (5.91%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.33%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (4.309) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (141%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

The Chiba Bank, Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Chiba Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

The Chiba Bank, Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Chiba Bank, Ltd. Revenue
Year Revenue Growth
1998 176.411.000.000
1999 188.789.000.000 6.56%
2000 191.288.000.000 1.31%
2001 183.153.000.000 -4.44%
2002 189.810.000.000 3.51%
2003 197.954.000.000 4.11%
2004 206.744.000.000 4.25%
2005 197.773.000.000 -4.54%
2006 209.948.000.000 5.8%
2007 209.114.000.000 -0.4%
2008 208.823.000.000 -0.14%
2009 201.139.000.000 -3.82%
2010 194.560.000.000 -3.38%
2011 192.711.000.000 -0.96%
2012 195.742.000.000 1.55%
2013 190.976.000.000 -2.5%
2014 193.872.000.000 1.49%
2015 193.210.000.000 -0.34%
2016 188.045.000.000 -2.75%
2017 193.914.000.000 3.03%
2018 194.147.000.000 0.12%
2019 199.150.000.000 2.51%
2020 202.031.000.000 1.43%
2021 207.759.000.000 2.76%
2022 224.221.000.000 7.34%
2023 224.688.000.000 0.21%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Chiba Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Chiba Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 87.498.000.000
1999 86.214.000.000 -1.49%
2000 82.648.000.000 -4.31%
2001 82.604.000.000 -0.05%
2002 81.781.000.000 -1.01%
2003 80.582.000.000 -1.49%
2004 78.626.000.000 -2.49%
2005 83.450.000.000 5.78%
2006 85.142.000.000 1.99%
2007 86.247.000.000 1.28%
2008 87.046.000.000 0.92%
2009 87.982.000.000 1.06%
2010 88.017.000.000 0.04%
2011 88.381.000.000 0.41%
2012 88.943.000.000 0.63%
2013 88.775.000.000 -0.19%
2014 89.039.000.000 0.3%
2015 87.626.000.000 -1.61%
2016 90.368.000.000 3.03%
2017 91.193.000.000 0.9%
2018 89.113.000.000 -2.33%
2019 89.029.000.000 -0.09%
2020 93.955.000.000 5.24%
2021 91.131.000.000 -3.1%
2022 88.982.000.000 -2.42%
2023 91.628.000.000 2.89%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Chiba Bank, Ltd. EBITDA
Year EBITDA Growth
1998 16.048.000.000
1999 71.101.000.000 77.43%
2000 74.155.000.000 4.12%
2001 -12.195.000.000 708.08%
2002 31.795.000.000 138.36%
2003 86.676.000.000 63.32%
2004 78.068.000.000 -11.03%
2005 109.759.000.000 28.87%
2006 148.054.000.000 25.87%
2007 147.291.000.000 -0.52%
2008 55.018.000.000 -167.71%
2009 87.699.000.000 37.26%
2010 89.832.000.000 2.37%
2011 87.751.000.000 -2.37%
2012 90.628.000.000 3.17%
2013 94.736.000.000 4.34%
2014 107.857.000.000 12.17%
2015 108.461.000.000 0.56%
2016 101.215.000.000 -7.16%
2017 104.619.000.000 3.25%
2018 72.221.000.000 -44.86%
2019 68.775.000.000 -5.01%
2020 71.461.000.000 3.76%
2021 78.378.000.000 8.83%
2022 86.669.000.000 9.57%
2023 96.004.000.000 9.72%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Chiba Bank, Ltd. Gross Profit
Year Gross Profit Growth
1998 176.411.000.000
1999 188.789.000.000 6.56%
2000 191.288.000.000 1.31%
2001 183.153.000.000 -4.44%
2002 189.810.000.000 3.51%
2003 197.954.000.000 4.11%
2004 206.744.000.000 4.25%
2005 197.773.000.000 -4.54%
2006 209.948.000.000 5.8%
2007 209.114.000.000 -0.4%
2008 208.823.000.000 -0.14%
2009 201.139.000.000 -3.82%
2010 194.560.000.000 -3.38%
2011 192.711.000.000 -0.96%
2012 195.742.000.000 1.55%
2013 190.976.000.000 -2.5%
2014 193.872.000.000 1.49%
2015 193.210.000.000 -0.34%
2016 188.045.000.000 -2.75%
2017 193.914.000.000 3.03%
2018 194.147.000.000 0.12%
2019 199.150.000.000 2.51%
2020 202.031.000.000 1.43%
2021 207.759.000.000 2.76%
2022 224.221.000.000 7.34%
2023 224.688.000.000 0.21%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Chiba Bank, Ltd. Net Profit
Year Net Profit Growth
1998 -49.359.000.000
1999 18.350.000.000 368.99%
2000 13.191.000.000 -39.11%
2001 -25.420.000.000 151.89%
2002 8.770.000.000 389.85%
2003 27.584.000.000 68.21%
2004 36.395.000.000 24.21%
2005 48.927.000.000 25.61%
2006 52.538.000.000 6.87%
2007 45.980.000.000 -14.26%
2008 12.392.000.000 -271.05%
2009 37.579.000.000 67.02%
2010 40.611.000.000 7.47%
2011 40.770.000.000 0.39%
2012 44.152.000.000 7.66%
2013 46.438.000.000 4.92%
2014 57.033.000.000 18.58%
2015 55.444.000.000 -2.87%
2016 52.730.000.000 -5.15%
2017 53.796.000.000 1.98%
2018 50.478.000.000 -6.57%
2019 48.037.000.000 -5.08%
2020 49.641.000.000 3.23%
2021 54.498.000.000 8.91%
2022 60.276.000.000 9.59%
2023 65.520.000.000 8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Chiba Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 -64
1999 24 373.91%
2000 17 -43.75%
2001 -30 153.33%
2002 10 400%
2003 33 68.75%
2004 16 -100%
2005 18 11.11%
2006 18 -5.88%
2007 51 66.67%
2008 14 -292.31%
2009 42 69.05%
2010 46 6.67%
2011 46 2.17%
2012 51 8%
2013 54 7.41%
2014 68 20.59%
2015 67 -1.49%
2016 65 -3.08%
2017 68 2.99%
2018 65 -3.08%
2019 64 -3.17%
2020 67 4.55%
2021 73 9.59%
2022 83 10.98%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Chiba Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
1999 212.232.000.000
2000 272.651.000.000 22.16%
2001 96.358.000.000 -182.96%
2002 89.737.000.000 -7.38%
2003 -84.836.000.000 205.78%
2004 470.375.000.000 118.04%
2005 667.543.000.000 29.54%
2006 -265.775.000.000 351.17%
2007 -337.585.000.000 21.27%
2008 111.307.000.000 403.29%
2009 81.605.000.000 -36.4%
2010 68.487.000.000 -19.15%
2011 45.814.000.000 -49.49%
2012 148.094.000.000 69.06%
2013 274.142.000.000 45.98%
2014 416.451.000.000 34.17%
2015 343.818.000.000 -21.13%
2016 354.330.000.000 2.97%
2017 -111.289.000.000 418.39%
2018 232.698.000.000 147.83%
2019 -86.000.000 270679.07%
2020 1.890.037.000.000 100%
2021 699.590.000.000 -170.16%
2022 -31.600.000.000 2313.89%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Chiba Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
1999 214.501.000.000
2000 278.356.000.000 22.94%
2001 104.123.000.000 -167.33%
2002 93.115.000.000 -11.82%
2003 -80.158.000.000 216.16%
2004 474.090.000.000 116.91%
2005 670.275.000.000 29.27%
2006 -242.515.000.000 376.38%
2007 -315.075.000.000 23.03%
2008 122.293.000.000 357.64%
2009 92.741.000.000 -31.87%
2010 81.412.000.000 -13.92%
2011 59.969.000.000 -35.76%
2012 158.499.000.000 62.16%
2013 285.239.000.000 44.43%
2014 428.289.000.000 33.4%
2015 350.909.000.000 -22.05%
2016 361.320.000.000 2.88%
2017 -100.848.000.000 458.28%
2018 251.620.000.000 140.08%
2019 20.951.000.000 -1100.99%
2020 1.913.821.000.000 98.91%
2021 710.040.000.000 -169.54%
2022 -20.384.000.000 3583.32%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Chiba Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
1999 2.269.000.000
2000 5.705.000.000 60.23%
2001 7.765.000.000 26.53%
2002 3.378.000.000 -129.87%
2003 4.678.000.000 27.79%
2004 3.715.000.000 -25.92%
2005 2.732.000.000 -35.98%
2006 23.260.000.000 88.25%
2007 22.510.000.000 -3.33%
2008 10.986.000.000 -104.9%
2009 11.136.000.000 1.35%
2010 12.925.000.000 13.84%
2011 14.155.000.000 8.69%
2012 10.405.000.000 -36.04%
2013 11.097.000.000 6.24%
2014 11.838.000.000 6.26%
2015 7.091.000.000 -66.94%
2016 6.990.000.000 -1.44%
2017 10.441.000.000 33.05%
2018 18.922.000.000 44.82%
2019 21.037.000.000 10.05%
2020 23.784.000.000 11.55%
2021 10.450.000.000 -127.6%
2022 11.216.000.000 6.83%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Chiba Bank, Ltd. Equity
Year Equity Growth
1998 307.108.000.000
1999 321.894.000.000 4.59%
2000 369.061.000.000 12.78%
2001 334.967.000.000 -10.18%
2002 325.738.000.000 -2.83%
2003 388.247.000.000 16.1%
2004 418.138.000.000 7.15%
2005 531.953.000.000 21.4%
2006 586.405.000.000 9.29%
2007 567.552.000.000 -3.32%
2008 525.130.000.000 -8.08%
2009 592.462.000.000 11.36%
2010 612.257.000.000 3.23%
2011 657.562.000.000 6.89%
2012 721.924.000.000 8.92%
2013 758.123.000.000 4.77%
2014 858.746.000.000 11.72%
2015 866.398.000.000 0.88%
2016 900.550.000.000 3.79%
2017 943.235.000.000 4.53%
2018 952.266.000.000 0.95%
2019 929.333.000.000 -2.47%
2020 1.041.755.000.000 10.79%
2021 1.059.091.000.000 1.64%
2022 1.061.115.000.000 0.19%
2023 1.109.691.000.000 4.38%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Chiba Bank, Ltd. Assets
Year Assets Growth
1998 7.660.111.000.000
1999 7.739.544.000.000 1.03%
2000 7.942.695.000.000 2.56%
2001 8.145.849.000.000 2.49%
2002 8.014.955.000.000 -1.63%
2003 8.224.586.000.000 2.55%
2004 8.700.106.000.000 5.47%
2005 9.802.061.000.000 11.24%
2006 9.736.917.000.000 -0.67%
2007 9.835.939.000.000 1.01%
2008 10.062.926.000.000 2.26%
2009 10.261.464.000.000 1.93%
2010 10.552.989.000.000 2.76%
2011 10.916.760.000.000 3.33%
2012 11.373.741.000.000 4.02%
2013 12.023.627.000.000 5.41%
2014 12.969.442.000.000 7.29%
2015 13.333.858.000.000 2.73%
2016 14.095.743.000.000 5.41%
2017 14.381.815.000.000 1.99%
2018 14.964.129.000.000 3.89%
2019 15.609.936.000.000 4.14%
2020 17.898.168.000.000 12.78%
2021 19.104.764.000.000 6.32%
2022 19.787.882.000.000 3.45%
2023 20.373.698.000.000 2.88%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Chiba Bank, Ltd. Liabilities
Year Liabilities Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 7.682.555.000.000 100%
2003 7.829.200.000.000 1.87%
2004 8.274.146.000.000 5.38%
2005 9.259.998.000.000 10.65%
2006 9.138.096.000.000 -1.33%
2007 9.255.771.000.000 1.27%
2008 9.525.255.000.000 2.83%
2009 9.655.866.000.000 1.35%
2010 9.926.999.000.000 2.73%
2011 10.252.684.000.000 3.18%
2012 10.644.498.000.000 3.68%
2013 11.257.440.000.000 5.44%
2014 12.110.695.000.000 7.05%
2015 12.467.460.000.000 2.86%
2016 13.195.193.000.000 5.52%
2017 13.438.579.000.000 1.81%
2018 14.011.862.000.000 4.09%
2019 14.680.602.000.000 4.56%
2020 16.856.412.000.000 12.91%
2021 18.045.673.000.000 6.59%
2022 1.667.359.000.000 -982.29%
2023 2.577.171.000.000 35.3%

The Chiba Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
303.32
Net Income per Share
82.49
Price to Earning Ratio
12.9x
Price To Sales Ratio
3.51x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.7
EV to Sales
-3.04
EV Over EBITDA
-7.79
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.08
FreeCashFlow Yield
0
Market Cap
771,19 Bil.
Enterprise Value
-669,27 Bil.
Graham Number
1685.53
Graham NetNet
1986.98

Income Statement Metrics

Net Income per Share
82.49
Income Quality
0
ROE
0.06
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.69
EBT Per Ebit
1
Ebit per Revenue
0.4
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.41
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.4
Pretax Profit Margin
0.4
Net Profit Margin
0.28

Dividends

Dividend Yield
0.02
Dividend Yield %
1.6
Payout Ratio
0
Dividend Per Share
17

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
5.541,94
Book Value per Share
1.530,71
Tangible Book Value per Share
24548.58
Shareholders Equity per Share
1530.71
Interest Debt per Share
3626.2
Debt to Equity
2.32
Debt to Assets
0.13
Net Debt to EBITDA
-16.76
Current Ratio
0
Tangible Asset Value
17.782,09 Bil.
Net Current Asset Value
1.440,47 Bil.
Invested Capital
2.32
Working Capital
4.017,64 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.34

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Chiba Bank, Ltd. Dividends
Year Dividends Growth
2000 5
2001 5 0%
2002 5 0%
2003 5 0%
2004 4 -66.67%
2005 7 50%
2006 8 14.29%
2007 11 36.36%
2008 12 8.33%
2009 10 -20%
2010 11 9.09%
2011 11 0%
2012 11 0%
2013 7 -57.14%
2014 12 41.67%
2015 14 14.29%
2016 15 0%
2017 15 6.67%
2018 16 0%
2019 16 6.25%
2020 19 15.79%
2021 20 5%
2022 26 23.08%
2023 17 -52.94%
2024 0 0%

The Chiba Bank, Ltd. Profile

About The Chiba Bank, Ltd.

The Chiba Bank, Ltd., together with its subsidiaries, provides banking products and services in Japan and internationally. It offers various deposit products; and various loans and bills discounting products, as well as investment management and investment advisory services. The company also engages in securities, leasing, credit card, and credit guarantee business; management and collection of claims; and outsourcing of operational business. In addition, it rents and maintains office buildings and welfare facilities; purchases and sells supplies and consumer goods; and develops and sells software, and commissioned computation tasks. Further, the company provides housing loan guarantees and fee collection services; information, survey, and consulting services; and accounting, general administration entrustment, and temporary staff services. Additionally, it engages in the research and investigation of IT and financial technologies; and operation and management of investment funds, and M&A advisory services. The company serves individuals, and small and mid-sized enterprises. As of June 25, 2021, it operated 186 domestic offices, including 183 branches and 3 money exchange counters; 3 overseas branches in New York, Hong Kong, and London; and 3 overseas representative offices in Shanghai, Singapore, and Bangkok. The company was incorporated in 1943 and is headquartered in Chiba, Japan.

CEO
Mr. Tsutomu Yonemoto
Employee
4.164
Address
1-2, Chiba-minato
Chiba, 260-8720

The Chiba Bank, Ltd. Executives & BODs

The Chiba Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Takashi Makinose
Managing Executive Officer, Group Chief Human Resources Officer & Director
70
2 Ms. Mutsumi Awaji
Senior Managing Exec Officer, Chief Strategy Officer, Chief Digital Transformation Officer & Director
70
3 Nobukazu Odaka
Managing Executive Officer
70
4 Mr. Tsutomu Yonemoto
President, Chief Executive Officer & Representative Director
70
5 Masayasu Ono
Managing Executive Officer, Group Chief Risk Officer, GM of Corporation Management & Director
70
6 Mr. Kiyomi Yamazaki
Senior Executive Officer, Group Chief Business Officer & Director
70
7 Mr. Yoichi Mataki
Managing Executive Officer and GM of Head Office & Saiwaicho Sub Branch
70
8 Hiroaki Aso
Managing Executive Officer
70
9 Kazunari Tanaka
Managing Executive Officer & Group Chief Information Officer
70
10 Mr. Matsuti Torou
IR Professional
70

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