About The Chiba Bank, Ltd. (CHBAY) — Dividend Analysis 2026
The Chiba Bank, Ltd., together with its subsidiaries, provides banking products and services in Japan and internationally. It offers various deposit products; and various loans and bills discounting products, as well as investment management and investment advisory services. The company also engages in securities, leasing, credit card, and credit guarantee business; management and collection of claims; and outsourcing of operational business. In addition, it rents and maintains office buildings and welfare facilities; purchases and sells supplies and consumer goods; and develops and sells software, and commissioned computation tasks. Further, the company provides housing loan guarantees and fee collection services; information, survey, and consulting services; and accounting, general administration entrustment, and temporary staff services. Additionally, it engages in the research and investigation of IT and financial technologies; and operation and management of investment funds, and M&A advisory services. The company serves individuals, and small and mid-sized enterprises. As of June 25, 2021, it operated 186 domestic offices, including 183 branches and 3 money exchange counters; 3 overseas branches in New York, Hong Kong, and London; and 3 overseas representative offices in Shanghai, Singapore, and Bangkok. The company was incorporated in 1943 and is headquartered in Chiba, Japan.
Is CHBAY a good dividend investment in 2026?
CHBAY offers a 2.35% forward yield with a 50% payout ratio. Strand Safety Score: 100/100 (Very Safe). The 5-year dividend CAGR of 100% demonstrates strong, consistent growth that outpaces inflation.
CHBAY DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CHBAY portfolio grows to $2.78M vs $1.61M without reinvestment. This is the compound interest effect in action.
CHBAY dividend growth history & forecast
CHBAY has grown its dividend by 0% over the last year and 100% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 2.35%.
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 CHBAY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CHBAY.
Gross yield
2.35%
Tax rate
15.00%
After-tax yield
2.00%
Real yield (−CPI)
-0.80%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
2.35%
-0.45%
$235 / yr
🇺🇸 US Taxable (15%) ✓
15%
2.00%
-0.80%
$200 / yr
🇺🇸 US Taxable (20%)
20%
1.88%
-0.92%
$188 / yr
🇬🇧 UK ISA
0%
2.35%
-0.45%
$235 / yr
🇬🇧 UK Taxable
8.75%
2.14%
-0.66%
$214 / yr
🇨🇦 TFSA
0%
2.35%
-0.45%
$235 / yr
🇨🇦 CA Taxable
25%
1.76%
-1.04%
$176 / yr
🇦🇺 Super (pension)
15%
2.00%
-0.80%
$200 / yr
🇦🇺 AU Taxable
30%
1.65%
-1.15%
$165 / yr
🇩🇪 DE Taxable
26.375%
1.73%
-1.07%
$173 / yr
🇫🇷 FR Taxable
30%
1.65%
-1.15%
$165 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CHBAY Income Goal & Break-Even
Dividend Break-Even
6yr
Years for dividends to fully repay your CHBAY investment of $65.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$677.0K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$674.5K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CHBAY for:
Shares needed
18,455
Capital required
$1,199,575
Monthly income
$2,000
Based on current dividend of $1.53/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CHBAY Dividend Payment Schedule
CHBAY pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$3.25 / payment
$13.01 / year after tax
100 shares
$32.51 / payment
$130.05 / year after tax
1,000 shares
$325.13 / payment
$1300.50 / year after tax
📊 CHBAY vs Financial Services Benchmarks
How CHBAY compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-0.55% vs sectorBelow avg
CHBAY
2.35%
avg
2.90%
5Y Dividend CAGR▲+92.90% vs sectorBetter
CHBAY
100.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
CHBAY
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CHBAY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CHBAY Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.25
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
7/9
✅ Strong fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CHBAY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →