# The Chiba Bank, Ltd.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第120期(2025/04/01－2026/03/31) (S100YDSE)
> Page: https://vizora.meequs.com/en/company/chiba-bank
> Retrieved: 2026-09-30T22:23:21.673Z

## Company

The Chiba Bank, founded in 1943, is a company in Regional Banks listed on TSE Prime. It has 4,377 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | The Chiba Bank, Ltd. |
| Ticker | 8331 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8331.T) |
| Listing | TSE Prime |
| Head office | 千葉市中央区千葉港1番2号 |
| Representative (per filing) | 取締役頭取 米本 努 |
| Founded | Mar 1943 |
| Employees (consolidated) | 4,377 |
| Average salary (parent only) | ¥8.4M |
| Fiscal year end | March |
| Website | www.chibabank.co.jp (https://www.chibabank.co.jp/) |
| Corporate number | 2040001000019 |
| EDINET | E03556 |
| Industries (Vizora) | Regional Banks |

> Profile source: annual securities report (S100YDSE, filed 2026-06-19). As of filing

## Key points (generated from figures)

- The Chiba Bank brought in ¥445B in ordinary revenue.
- Out of every ¥100 of ordinary revenue, about ¥31 is left as ordinary profit.
- Ordinary revenue changed +22.9% from the prior year, ordinary profit +29.1%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥445B |  |
| Ordinary income | ¥138.8B | Margin 31.2% |
| Net income | ¥94.1B | Margin 21.1% |
| Employees (consolidated) | 4,377 |  |
| EPS | ¥131.3 |  |
| Book value per share | ¥1655.29 |  |
| Equity ratio | 5.9% |  |
| Shares outstanding | 775,521,000 |  |
| Treasury shares | 77,676,400 |  |
| Shareholders | 43,156 |  |
| Average salary (parent only) | ¥8.4M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥232940000000 | ¥445037000000 | +91.1% |
| Employees | 4,380 people | 4,377 people | -0.1% |
| Cash and equivalents | ¥3595634000000 | ¥2654890000000 | -26.2% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 445,037 | 100.0% | S100YDSE |
| Ordinary expenses | 306,222 | 68.8% | S100YDSE |
| Ordinary income | 138,815 | 31.2% | S100YDSE |
| Extraordinary income | 400 | 0.1% | S100YDSE |
| Extraordinary loss | 3,104 | 0.7% | S100YDSE |
| Pretax income | 136,111 | 30.6% | S100YDSE |
| Income tax | 42,047 | 9.4% | S100YDSE |
| Net income | 94,063 | 21.1% | S100YDSE |
| Net income attributable to owners | 94,063 | 21.1% | S100YDSE |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 69 |
| Ordinary income | 31 |
| (Ref.) Net income | 21 |

### Margin funnel

Ordinary margin 31.2% → Net margin 21.1%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +22.9%; Core profit growth: +29.1%
Growth quality: margin-expansion
Operating leverage (core profit growth ÷ revenue growth): 1.27×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 362,179 | 445,037 | 82,858 | +22.9% |
| Net income attributable to owners | 74,259 | 94,063 | 19,804 | +26.7% |
| Operating cash flow | 24,242 | -1,318,746 | -1,342,988 | -5539.9% |
| Free cash flow | 9,494 | -1,341,743 | -1,351,237 | -14232.5% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 227,811 | — | — | 52,730 | 361,320 | — | S100LRSD |
| FY ending Mar 2018 | 234,096 | — | — | 53,796 | -100,848 | — | S100OJJY |
| FY ending Mar 2019 | 238,616 | — | — | 50,478 | 251,619 | — | S100R5SW |
| FY ending Mar 2020 | 242,982 | — | — | 48,037 | 20,951 | -43 | S100LRSD |
| FY ending Mar 2021 | 232,940 | — | — | 49,641 | 1,913,821 | 1,890,116 | S100OJJY |
| FY ending Mar 2022 | 236,092 | — | — | 54,498 | 710,040 | 699,590 | S100R5SW |
| FY ending Mar 2023 | 278,377 | — | — | 60,276 | -20,384 | -31,600 | S100TS7L |
| FY ending Mar 2024 | 310,742 | — | — | 62,440 | 787,870 | 777,714 | S100W35G |
| FY ending Mar 2025 | 362,179 | — | — | 74,259 | 24,242 | 9,494 | S100YDSE |
| FY ending Mar 2026 | 445,037 | — | — | 94,063 | -1,318,746 | -1,341,743 | S100YDSE |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥101.7M |
| Net income per employee (consolidated) | ¥21.5M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 4,292 | 4,164 | 4,142 | 4,280 | 4,377 |
| Average salary (parent company) | ¥7.4M | ¥7.5M | ¥7.7M | ¥7.9M | ¥8.4M |
| Average age (parent company) | 38.5 years | 38.5 years | 38.7 years | 38.5 years | 38.3 years |
| Average tenure (parent company) | 15.0 years | 15.0 years | 15.0 years | 14.7 years | 14.4 years |

Year over year: Employees (consolidated) +2.3% · Revenue (consolidated) +22.9%

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | -1,318,746 | -296.3% | S100YDSE |
| Capital expenditure | 22,997 | 5.2% | S100YDSE |
| Free cash flow | -1,341,743 | -301.5% | 算出 |
| Investing cash flow | -211,097 | -47.4% | S100YDSE |
| Financing cash flow | -47,549 | -10.7% | S100YDSE |
| Dividends paid | 32,543 | 7.3% | S100YDSE |
| Share buyback | 15,006 | 3.4% | S100YDSE |
| Change in cash | -1,577,213 | -354.4% | S100YDSE |
| Cash and equivalents | 2,654,890 | 596.6% | S100YDSE |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社（信託口） | Major shareholder | 14.1% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 4.8% | 2026-03-31 |
| 日本生命保険相互会社 | Major shareholder | 3.9% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505001 （常任代理人株式会社みずほ銀行決済営業部） | Major shareholder | 3.3% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505223 （常任代理人株式会社みずほ銀行決済営業部） | Major shareholder | 2.9% | 2026-03-31 |
| 住友生命保険相互会社 | Major shareholder | 2.6% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 2.5% | 2026-03-31 |
| 第一生命保険株式会社 | Major shareholder | 2.1% | 2026-03-31 |
| JP MORGAN CHASE BANK 385781 （常任代理人株式会社みずほ銀行決済営業部） | Major shareholder | 1.8% | 2026-03-31 |
| 損害保険ジャパン株式会社 | Major shareholder | 1.7% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第120期(2025/04/01－2026/03/31) | S100YDSE | 2026-06-19 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YDSE,, |
| 有価証券報告書－第119期(2024/04/01－2025/03/31) | S100W35G | 2025-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W35G,, |
| 有価証券報告書－第118期(2023/04/01－2024/03/31) | S100TS7L | 2024-06-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TS7L,, |
| 有価証券報告書－第117期(2022/04/01－2023/03/31) | S100R5SW | 2023-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R5SW,, |
| 有価証券報告書－第116期(令和3年4月1日－令和4年3月31日) | S100OJJY | 2022-06-29 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OJJY,, |
| 有価証券報告書－第115期(令和2年4月1日－令和3年3月31日) | S100LRSD | 2021-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LRSD,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).