The Chiba Kogyo Bank, Ltd (CHBKF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of The Chiba Kogyo Bank, Ltd $12.17, price $10.26, upside +18.6%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 24, 2026.
How to read this chart
18‑month range $10.17 – $10.26 · fair‑value band $9.13 – $15.21 · the $10.26 price screens below the $12.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 24, 2026.
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The Chiba Kogyo Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan. The company offers deposit services, lending services, trading of commodity securities, securities investment services, domestic exchange services, foreign exchange services, bond acceptance and registration, and other related services.
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The Chiba Kogyo Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan. The company offers deposit services, lending services, trading of commodity securities, securities investment services, domestic exchange services, foreign exchange services, bond acceptance and registration, and other related services. It also provides card, car, renovation, private practice doctor, medical, agri, business loans; mortgage and reverse mortgage, unsecured financing mortgage; and IT and payment services. The company was incorporated in 1952 and is headquartered in Chiba, Japan.
Stock analysis
The Chiba Kogyo Bank, Ltd (CHBKF) currently trades at $10.26, while our model-based Fair Value estimate is $12.17, implying the stock looks roughly 15.7% undervalued today.
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Valuation
How firm this estimate is: it rests on 16 models at a data quality of 94/100, which puts the evidence level at medium.
Scenario range: $9.13 (bear) to $15.21 (bull), the price of $10.26 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
The Chiba Kogyo Bank, Ltd reported revenue of ¥48.8B in FY2025 versus ¥45.6B in FY2021, a compound +1.7%/yr. Reported net income was ¥7.5B in FY2025, compounding +11.9%/yr from FY2021.
Key figures
Market cap $588M · P/E ratio 19.0 · P/S ratio 2.90 · EPS (TTM) $0.5400 · Net margin 15.3% · Return on equity 4.9% · Return on assets 0.3% · Operating margin 12.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 1% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 19%, CHBKF screens cheaper than that median.
Fair Value models
Bear $9.13Fair Value $12.17Bull $15.21
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.5400 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−0.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+10.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.1%
Dividend (yield on the price)0.0%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Compare The Chiba Kogyo Bank, Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside+19% · Top 25%
Profitability
Return on equity (TTM)5% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)14% · Bottom 25%
Operating margin (TTM)12% · Bottom 25%
Growth and dividend
Revenue growth20% · Top 25%
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "The Chiba Kogyo Bank, Ltd Fair Value". https://www.fairvalue-calculator.com/stock/CHBKF
Frequently asked questions
Is The Chiba Kogyo Bank, Ltd (CHBKF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $12.17 versus the last price from Sep 18, 2026 of $10.26, about +19% upside (undervalued).
What is the fair value of CHBKF?
Our model-based fair value for The Chiba Kogyo Bank, Ltd is $12.17 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $10.26.
What is the quality score of CHBKF?
The Chiba Kogyo Bank, Ltd has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for The Chiba Kogyo Bank, Ltd (CHBKF)?
Our model-based price target is the fair value of $12.17 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $9.13, optimistic scenario $15.21. It is a calculation from audited fundamentals, not an analyst target.
What is the The Chiba Kogyo Bank, Ltd stock forecast for 2026?
Our models put fair value at $12.17, about +19% upside versus the last price from Sep 18, 2026 of $10.26 (undervalued). Cautious scenario $9.13, optimistic scenario $15.21. The calculation is refreshed regularly with new filings.
What is the revenue of The Chiba Kogyo Bank, Ltd (CHBKF)?
The Chiba Kogyo Bank, Ltd reported trailing-twelve-month revenue of about ¥61.2B (latest available figure, as of Sep 24, 2026).
What growth is priced into The Chiba Kogyo Bank, Ltd (CHBKF)?
For today's price to be fair in a discounted-cash-flow model, The Chiba Kogyo Bank, Ltd would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +1.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CHBKF use?
Our models discount The Chiba Kogyo Bank, Ltd at 9.8 %: a base by market capitalisation (small), damped by beta 0.47, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For The Chiba Kogyo Bank, Ltd that is less than minus 40 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has The Chiba Kogyo Bank, Ltd (CHBKF) delivered so far?
Over the past 4 years revenue at The Chiba Kogyo Bank, Ltd grew +1.7 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of The Chiba Kogyo Bank, Ltd (CHBKF) growing?
The median revenue growth in the sector is +7.0 % a year. That is the yardstick for the growth priced into The Chiba Kogyo Bank, Ltd (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of The Chiba Kogyo Bank, Ltd (CHBKF)?
The free-cash-flow yield on the price is 12.81 %: that much free cash flow The Chiba Kogyo Bank, Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of The Chiba Kogyo Bank, Ltd (CHBKF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Chiba Kogyo Bank, Ltd it is $12.17 per share (as of Sep 24, 2026), against a price of $10.26. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is The Chiba Kogyo Bank, Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CHBKF trades below its calculated fair value: price $10.26, fair value $12.17, a gap of about +19% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CHBKF?
No. The price is what the market pays today ($10.26); the fair value is what the company's own numbers justify ($12.17). For The Chiba Kogyo Bank, Ltd the two are $1.91 per share apart. That gap is exactly why we show both numbers side by side.
How much is The Chiba Kogyo Bank, Ltd worth?
The market values The Chiba Kogyo Bank, Ltd at about $588M (market capitalisation, as of Sep 24, 2026). Per share that is $10.26; our models calculate a fair value of $12.17 per share.
What do the bullish and bearish scenarios say about CHBKF?
Our models span a range for The Chiba Kogyo Bank, Ltd: cautious scenario $9.13, base $12.17, optimistic $15.21 per share (as of Sep 24, 2026, price $10.26). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CHBKF?
The Chiba Kogyo Bank, Ltd trades at a price-to-earnings ratio of 19.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.17 is built from several models across several years. Other multiples: P/B 0.6, P/S 1.5.
How solid is the balance sheet of The Chiba Kogyo Bank, Ltd (CHBKF)?
Balance-sheet figures for The Chiba Kogyo Bank, Ltd (as of Sep 24, 2026): return on equity 4.9%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is CHBKF from its 52-week high?
The Chiba Kogyo Bank, Ltd trades at $10.26, at its 52-week high of $10.26 and 1% above the low of $10.20 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $12.17 is for.
Which stocks are comparable to The Chiba Kogyo Bank, Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is The Chiba Kogyo Bank, Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price $10.26, calculated fair value $12.17 (+19%), Quality Score 63/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CHBKF calculated?
We run The Chiba Kogyo Bank, Ltd through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $12.17, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. The Chiba Kogyo Bank, Ltd currently trades 19 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of The Chiba Kogyo Bank, Ltd (CHBKF)?
The latest price we hold is from Sep 18, 2026 and stands at $10.26. Our model-based fair value is $12.17, about +19% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Chiba Kogyo Bank, Ltd right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of The Chiba Kogyo Bank, Ltd
How large is the market capitalisation of The Chiba Kogyo Bank, Ltd (CHBKF)?
The market capitalisation of The Chiba Kogyo Bank, Ltd is $588M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of The Chiba Kogyo Bank, Ltd (CHBKF)?
The price-to-sales ratio of The Chiba Kogyo Bank, Ltd is 2.90 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of The Chiba Kogyo Bank, Ltd (CHBKF)?
Earnings per share at The Chiba Kogyo Bank, Ltd are $0.5400 (price ÷ EPS = P/E 19.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of The Chiba Kogyo Bank, Ltd (CHBKF)?
The net margin of The Chiba Kogyo Bank, Ltd is 15.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of The Chiba Kogyo Bank, Ltd (CHBKF)?
The return on equity (ROE) of The Chiba Kogyo Bank, Ltd is 4.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of The Chiba Kogyo Bank, Ltd (CHBKF)?
The return on assets (ROA) of The Chiba Kogyo Bank, Ltd is 0.3% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of The Chiba Kogyo Bank, Ltd (CHBKF)?
The operating margin of The Chiba Kogyo Bank, Ltd is 12.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Chiba Kogyo Bank, Ltd (CHBKF)?
Revenue at The Chiba Kogyo Bank, Ltd is growing +19.9% versus a year earlier (3y avg +1.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at The Chiba Kogyo Bank, Ltd (CHBKF)?
Earnings per share at The Chiba Kogyo Bank, Ltd are growing −10.1% versus a year earlier. How much earnings per share grew versus a year earlier.
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Sep 24, 2026