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CHCHBAY

The Chiba Bank, Ltd.

$CHBAY·$12B·Banks - Regional·Financial Services
$82.320.0%YTD+54.5%1Y+72.8%
Mentions · last 7 days
2026-07-30: 0 posts2026-07-31: 0 posts2026-08-01: 0 posts2026-08-02: 0 posts2026-08-03: 0 posts2026-08-04: 0 posts2026-08-05: 0 posts0
Price updated 3m ago·X counts updated 21h ago
CHCHBAY
$CHBAYThe Chiba Bank, Ltd.
$82.320.00%0 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $CHBAY, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-06

The move is getting stronger, with heavier trading behind it.

Chiba Bank Q4 revenue grew 18% — the Japanese regional bank up 73% T12M on Bank of Japan rate-normalization tailwind.

The Chiba Bank Ltd is one of Japan's largest regional banks (Chiba Prefecture) — a real-business Japanese-banking compounder benefiting from the Bank of Japan's gradual rate-normalization cycle.

Where the tape stands:

  • Growth is real: Q4 revenue ¥108B grew 18% year over year, consistent with the 16-29% zone of the last four quarters — sustained strength.
  • Margins are strong: gross margin 73%, operating margin 33% — Japanese regional-bank economics.
  • Beat cadence has been strong: last four EPS surprises 22%, 13%, 6.5%, 1.0% — mostly above.
  • Positioning is roaring near highs: 91% of the 52-week range, +9.3% above the 50-day, +34% above the 200-day on 0.09x volume — very thin US ADR volume.
  • PE 20 is reasonable for the Japanese-bank profile with rate-normalization tailwind.
  • Debt-to-equity 1.9 reflects the bank capital structure.
  • Nov 6 Q1 FY27 earnings — analyst estimate $1.29 EPS.
  • The 73% T12M return captures the Bank of Japan rate-normalization thesis.
  • No insider filings in the window.

Nov 6 Q1 FY27 earnings decides whether the tape reclaims $92+ — clean net-interest-margin expansion plus continued rate-normalization commentary keeps this working; a BoJ rate-normalization pause or Japan-macro slowdown cools this back to $65.

Differs from X sentimentNo meaningful X sentiment sample exists for CHBAY — Japanese regional bank OTC ADR is a low-attention name that doesn't attract US retail-fintwit chatter. The 73% T12M return and consistent Q4 growth are the fundamental signals — this is a real-business Japanese-regional-bank story.

What to watch: Nov 6 Q1 FY27 earnings — clean net-interest-margin expansion plus continued rate-normalization commentary reclaims $92+; a BoJ rate-normalization pause or Japan-macro slowdown cools this back to $65.

On the calendar: 2026-11-06 — Q1 FY27 earnings

Read the AI verdict + X sentiment for $CHBAY

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Regional Japanese bank providing retail and SME banking, investment management, and financial services primarily in Chiba prefecture near Tokyo.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $CHBAY.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+30.5%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
19.7How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
33.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
4.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
7.7%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
73.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.9Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 4, 2026$1.35$1.11+21.6%
Q1 2026May 14, 2026$1.14$1.01+12.9%
Q4 2025Feb 2, 2026$1.14$1.07+6.5%
Q3 2025Nov 7, 2025$1.06$1.05+1.0%
Next earningsFri, Nov 6·consensus EPS $1.29

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q4 FY26$107.5B+18.0%72.9%36.0%$183.75$0
Q3 FY26$102.9B+25.3%72.1%30.7%$178.55$0
Q2 FY26$102.5B+28.7%73.5%31.0%$158.60$0
Q1 FY26$96.7B+16.5%72.4%32.0%$153.95$0

Forward consensus

5-year forecast · up to 4 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$227.3B$221.9B – $235.1B$658.70$613.10 – $768.914
FY27$269.1B$265.9B – $292.3B$830.82$773.31 – $969.834
FY28$348.8B$318.0B – $406.5B$983.39$915.32 – $1147.924
FY29$376.4B$356.3B – $424.8B$1047.90$975.36 – $1223.233
FY30$292.6B$277.0B – $330.2B$1047.37$974.86 – $1222.603

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.91%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+9.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+33.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 117.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.135-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.

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Voices on X · last 7 days

No standout posts about $CHBAY on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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