The Chiba Bank, Ltd. (8331.T) stock analysis

In our weekly check, The Chiba Bank, Ltd. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7.

About The Chiba Bank, Ltd.

The Chiba Bank, Ltd. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 8331.T.

What our checks show for 8331.T

Red flags

• The gross margin fell by 23.8 points, to 71.6%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 1.6% a year.
• The dividend takes 5428% of profit: little cushion if profit falls.
• The stock has fallen as much as 71% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 14.6 years.
• Return on capital (ROCE) is only 0.7%.

Warning signs

• The net margin fell by 1.6 points over 5 years, to 23.6%: the company keeps less of each sale as profit.
• The price swings a lot: 36.3% annual volatility. Expect large ups and downs.

Strengths

• Analysts expect earnings per share to grow about 22.1% a year over the next years.
• Analysts expect the net margin to improve by 14.6 points from today's 23.6%.
• Revenue grew 16.3% a year over the last 3 years.
• Earnings per share grew 17.5% a year over the last 3 years.
• Net profit grew 16% a year over the last 3 years.
• The company keeps 23.6% of its revenue as net profit.

Next earnings report: 2026-11-09

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Questions

What grade does The Chiba Bank, Ltd. (8331.T) have?

In our weekly check, The Chiba Bank, Ltd. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 8331.T stock?

This week's biggest flags for The Chiba Bank, Ltd.: Gross margin falling, Weak revenue forecast, Dividend stretched. In total 9 of 25 checks show a warning or a red flag.

What does The Chiba Bank, Ltd. do?

The Chiba Bank, Ltd. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 8331.T.

When does The Chiba Bank, Ltd. report earnings next?

The next earnings report is expected on 2026-11-09. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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