Company profile

The Chiba Kogyo Bank, Ltd.

EDINET
E03557
Securities
8337
Industry
Banks
Latest annual securities report
2026-06-19 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-09-30 Amended Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Weak Based on ROE Current Bottom 26% 5-year trend Deteriorating
Financial strength Strong Based on Equity ratio Current Top 22% 5-year trend Improving
Growth Weak Current Bottom 23% 5-year trend Deteriorating

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥12.71 billion, up 19.0% year over year. Net income was ¥8.61 billion, up 15.5% year over year. ROE was 4.5%; equity ratio was 5.7%; free cash flow was -¥15.3 billion.

Revenue ¥12.71B up 19.0% year over year
Operating income —
Net income ¥8.61B up 15.5% year over year
Total assets¥3.4T
Total equity—
Operating cash flow¥36.36B
Free cash flow-¥15.3B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Weak
Based on ROE

ROE Bottom 76%

Financial strength Strong
Based on Equity ratio

Equity ratio Top 23%

Growth Weak

Revenue growth Bottom 79% / 3-year revenue CAGR Bottom 79%

Profitability Industry position history Deteriorating
2026 Bottom 26% 2025 Bottom 44% 2024 Top 37% 2023 Top 41% 2022 Top 44%
Financial strength Industry position history Improving
2026 Top 22% 2025 Top 26% 2024 Top 19% 2023 Top 21% 2022 Top 35%
Growth Industry position history Deteriorating
2026 Bottom 23% 2025 Bottom 28% 2024 Top 44% 2023 Top 34% 2022 Top 49%
Profitability ROE 4.5% Industry median 5.6% Bottom 76% Comparison sample 83
Financial strength Equity ratio 5.7% Industry median 4.9% Top 23% Comparison sample 83
Growth Revenue growth +19.0% Industry median +32.7% Bottom 79% Comparison sample 83
Growth 3-year revenue CAGR +9.5% Industry median +21.3% Bottom 79% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 12711000000 12711000000 8612000000 8612000000 21599000000 3396610000000 3203798000000 192812000000 168090000000 192812000000 36363000000 -51667000000 -3633000000 -15304000000 225215000000 137.52 13.83 1901.9016 122690299043.0448 2672.75 64509278 0.0567660108 0.0567 0.0446652698 0.0025354692 1.0 0.6775234049 2.860750531 -1.2039965384 0.1899457031 0.1899457031 0.1545783617 0.0461259943 0.103106585 1.6451589438 -2.2193283071 0.7013808976 -5.6481320591 -0.0775698944 0.1805305176 -0.0076912099 -0.0045696877 1307
FY2025 Consolidated Japanese GAAP 10682000000 10682000000 7459000000 7459000000 -363000000 3246846000000 3072056000000 174790000000 158948000000 174790000000 13747000000 -16049000000 -12166000000 -2302000000 244154000000 116.49 11.1 1293.039 84059531815.842 2247.32 65009278 0.0538337821 0.0523 0.042674066 0.0022973064 1.0 0.6982774761 1.2869312863 -0.2155027148 0.0421463415 0.0421463415 0.004173398 0.0054564159 -0.0666915848 0.0424660651 -0.2552991787 -2.6523566497 -6.7263681592 -0.0559426499 0.0343633458 -0.0102236913 -0.0068078669 1313
FY2024 Consolidated Japanese GAAP 10250000000 10250000000 7428000000 7428000000 19860000000 3229226000000 3041946000000 187280000000 163643000000 187280000000 13187000000 -12785000000 -3331000000 402000000 258622000000 112.62 9.65 1086.7830 71380752957.1740 2279.01 65680778 0.0579953215 0.0565 0.0396625374 0.0023002416 1.0 0.7246829268 1.2865365854 0.0392195122 0.0598697136 0.0598697136 0.1468272348 0.0154386819 0.0970137888 1.0306509759 -2.1823730695 0.2563072114 1.000958471 -0.0111985808 0.2231997393 -0.0075550638 -0.0207407407 1322
FY2023 Consolidated Japanese GAAP 9671000000 9671000000 6477000000 6477000000 -275000000 3180129000000 3009410000000 170718000000 159536000000 170718000000 -430231000000 10813000000 -4479000000 -419418000000 261551000000 92.07 5.83 536.7681 35523730463.5818 1964.23 66180778 0.053682728 0.0523 0.0379397603 0.0020367098 1.0 0.6697342571 -44.4867128529 -43.3686278565 0.0739589117 0.0739589117 0.0144087706 -0.1093328053 -0.0269429166 -2.2884060792 3.6487532244 0.5468892261 -2.2473360674 -0.6184232794 0.0737026239 -0.0074984128 -0.0266762797 1350
FY2022 Consolidated Japanese GAAP 9005000000 9005000000 6385000000 6385000000 2770000000 3570502000000 3395056000000 175445000000 157512000000 175445000000 333925000000 2326000000 -9885000000 336251000000 685448000000 85.75 3.06 262.3950 17496702743.3100 1950.75 66680778 0.0491373482 0.048 0.0363931716 0.0017882639 1.0 0.7090505275 37.0821765686 37.3404775125 0.2465393134 0.2465393134 0.3405416754 0.0992126188 -0.0386101232 0.3042569729 1.0829263075 -6.8390166534 0.4749274053 0.9089271044 0.4954656435 -0.0118405843 -0.0287114846 1387
FY2021 Consolidated Japanese GAAP 7224000000 7224000000 4763000000 4763000000 16770000000 3248236000000 3065745000000 182491000000 160969000000 182491000000 256027000000 -28049000000 -1261000000 227978000000 359075000000 57.34 5.17 296.4478 20004231732.5884 1938.72 67479778 0.0561815706 0.055 0.0260999173 0.0014663343 1.0 0.6593300111 35.4411683278 31.5584163898 0.0742007435 0.0742007435 0.0514348786 0.1391763315 0.0934676318 15.2601648658 -5.2980386148 0.6845922961 20.9490724536 1.7154719321 0.1080193237 -0.0072860121 -0.0165289256 1428
FY2020 Consolidated Japanese GAAP 6725000000 6725000000 4530000000 4530000000 -1717000000 2851390000000 2684497000000 166892000000 157388000000 166892000000 -17954000000 6526000000 -3998000000 -11428000000 132233000000 51.75 4.88 252.5400 17166417864.3000 1687.69 67975045 0.0585300503 0.0573 0.0271433023 0.0015886988 1.0 0.673605948 -2.669739777 -1.699330855 -0.1931613677 -0.1931613677 -0.1259888096 0.013145281 -0.0329754379 -1.5856029225 2.4943897412 -4.3766891892 -1.4346569299 -0.1031463433 -0.0301724138 -0.0073019302 -0.0081967213 1452
FY2019 Consolidated Japanese GAAP 8335000000 8335000000 5183000000 5183000000 9592000000 2814394000000 2641811000000 172583000000 156845000000 172583000000 30659000000 -4367000000 1184000000 26292000000 147441000000 53.36 5.6 298.816 20461439046.720 1674.88 68475045 0.0613215492 0.0601 0.0300319267 0.0018416043 1.0 0.6218356329 3.6783443311 3.1544091182 -0.121614501 -0.121614501 -0.2345296116 0.0273595664 0.1019148135 2.5574011988 -1.3061768211 1.5747572816 5.8482389821 0.2310139265 -0.322756695 0.0020533881 1464
FY2018 Consolidated Japanese GAAP 9489000000 9489000000 6771000000 6771000000 7934000000 2739444000000 2582823000000 156621000000 145301000000 156621000000 -19686000000 14263000000 -2060000000 -5423000000 119772000000 78.79 5.83 459.3457 1554.72 0.0571725503 0.0559 0.0432317505 0.0024716694 1.0 0.713563073 -2.0746127095 -0.5715038466 0.0179146106 0.0179146106 0.0599561678 0.0166497191 0.0391244924 -1.8252012072 2.2992348333 -8.5457875458 -1.4211057618 -0.0574551636 0.1688176828 0.0131761442 1461
FY2017 Consolidated Japanese GAAP 9322000000 9322000000 6388000000 6388000000 3631000000 2694580000000 2543856000000 150724000000 140579000000 150724000000 23856000000 -10978000000 273000000 12878000000 127073000000 67.41 9.12 614.7792 1465.62 0.05593599 0.0548 0.0423821024 0.0023706849 1.0 0.6852606737 2.5591074877 1.3814632053 -0.2581569314 -0.2581569314 -0.1914947475 0.0315927135 0.0271710612 0.3174287608 -1.3202543832 -0.9561868079 -0.7541756543 0.1169681627 -0.3390528483 0.0140646976 1442

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp