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Daishi Hokuetsu Financial Group, Inc.
(7327)
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Rating:68Neutral
Price Target:
¥2,448.00
▲(69.65% Upside)
Action:Downgraded
Date:05/16/26
The score is driven by attractive valuation (low P/E and solid dividend yield) and constructive technical trend (price above major moving averages with positive MACD). These positives are tempered by fundamental risks: elevated leverage and especially volatile/less reliable cash-flow patterns that reduce confidence in earnings quality.
Positive Factors
Revenue and earnings momentum
Sustained revenue acceleration and a material net income increase through 2026 indicate improving core profitability and successful revenue generation. For a regional bank, durable top-line and earnings momentum supports loan growth capacity, reserve coverage and reinvestment over the next several months.
Negative Factors
Elevated leverage
Material leverage increases sensitivity to credit losses and interest-rate moves; a higher debt-to-equity ratio constrains capital flexibility and raises funding risk. If credit conditions worsen, elevated leverage could pressure capital ratios and limit lending or dividend policy in the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings momentum
Sustained revenue acceleration and a material net income increase through 2026 indicate improving core profitability and successful revenue generation. For a regional bank, durable top-line and earnings momentum supports loan growth capacity, reserve coverage and reinvestment over the next several months.
Read all positive factors
Daishi Hokuetsu Financial Group, Inc. (7327) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥620.39B
Dividend Yield3.15%
Average Volume (3M)610.04K
Price to Earnings (P/E)14.0
Beta (1Y)0.95
Revenue Growth14.92%
EPS Growth43.46%
CountryJP
Employees3,549
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)160.59
Shares Outstanding275,657,870
10 Day Avg. Volume684,590
30 Day Avg. Volume610,036
Financial Highlights & Ratios
PEG Ratio-0.22
Price to Book (P/B)0.86
Price to Sales (P/S)1.96
P/FCF Ratio23.95
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)194.11
Revenue Forecast (FY)¥112.80B
Daishi Hokuetsu Financial Group, Inc. Business Overview & Revenue Model
Company Description
Operating through its network of subsidiaries, Daishi Hokuetsu Financial Group, Inc., headquartered in Niigata, Japan, delivers a comprehensive suite of banking and financial solutions. Founded in 1873, this institution provides essential services...
How the Company Makes Money
Daishi Hokuetsu Financial Group, Inc. makes money primarily through the earnings generated by its banking subsidiaries. The main revenue stream is net interest income: the group accepts customer deposits and other funding, then deploys those funds...
Daishi Hokuetsu Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
57
Neutral
Cash Flow
41
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 249.94B | 192.39B | 172.47B | 143.43B | 127.35B |
| Gross Profit | 194.66B | 146.77B | 132.11B | 126.95B | 120.21B |
| EBITDA | 65.47B | 48.20B | 36.84B | 31.91B | 30.30B |
| Net Income | 42.10B | 29.35B | 21.20B | 17.77B | 15.14B |
Balance Sheet | |||||
| Total Assets | 10.84T | 10.98T | 11.14T | 10.52T | 10.67T |
| Cash, Cash Equivalents and Short-Term Investments | 2.03T | 2.15T | 2.23T | 2.03T | 2.76T |
| Total Debt | 1.32T | 985.86B | 1.18T | 911.18B | 1.36T |
| Total Liabilities | 10.27T | 10.50T | 10.64T | 10.10T | 10.24T |
| Stockholders Equity | 569.44B | 478.86B | 499.88B | 415.42B | 428.46B |
Cash Flow | |||||
| Free Cash Flow | 20.46B | 0.00 | 289.30B | -343.80B | 794.86B |
| Operating Cash Flow | 24.15B | 0.00 | 294.42B | -338.48B | 797.68B |
| Investing Cash Flow | 95.37B | 186.55B | -90.17B | -380.78B | -85.51B |
| Financing Cash Flow | -240.28B | -9.43B | -10.51B | -8.05B | -8.94B |
Daishi Hokuetsu Financial Group, Inc. Technical Analysis
Positive
1443.00
Price Trends
2087.04
Positive
2017.14
Positive
1790.13
Positive
Market Momentum
49.95
Negative
63.37
Neutral
78.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7327, the sentiment is Positive. The current price of 1443 is below the 20-day moving average (MA) of 2153.95, below the 50-day MA of 2087.04, and below the 200-day MA of 1790.13, indicating a bullish trend. The MACD of 49.95 indicates Negative momentum. The RSI at 63.37 is Neutral, neither overbought nor oversold. The STOCH value of 78.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7327.
Daishi Hokuetsu Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥678.18B | 15.08 | ― | 3.21% | 19.57% | 23.07% | |
68 Neutral | ¥620.39B | 13.99 | ― | 3.15% | 14.92% | 43.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥595.55B | 14.50 | ― | 2.93% | 11.61% | 46.16% | |
66 Neutral | ¥672.19B | 17.33 | 5.53% | 2.02% | 5.69% | 24.69% | |
65 Neutral | ¥903.26B | 15.49 | ― | 1.41% | 26.64% | 57.23% | |
63 Neutral | ¥592.78B | 18.91 | 6.09% | 2.93% | 14.21% | -4.70% |
* Financial Sector Average
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Daishi Hokuetsu Financial Group, Inc. Corporate Events
Daishi Hokuetsu Financial Group Accelerates Unwinding of Cross-Shareholdings to Boost Capital Efficiency
May 15, 2026
Daishi Hokuetsu Financial Group has tightened its stance on cross-shareholdings at core unit Daishi Hokuetsu Bank, revising its policy to cut the ratio of such holdings, on a market value basis including deemed holdings, to consolidated net assets...
Daishi Hokuetsu Financial Group Lifts Ordinary Income 34% on Strong Loan and Securities Earnings
May 15, 2026
Daishi Hokuetsu Financial Group reported a sharp rise in profitability for the fiscal year ended March 31, 2026, with consolidated ordinary income climbing 33.7% year on year to ¥260.3 billion. Its main banking subsidiary, Daishi Hokuetsu Ban...
Daishi Hokuetsu Financial Group Posts Strong FY2026 Earnings and Lifts Shareholder Returns
May 15, 2026
Daishi Hokuetsu Financial Group reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 33.7% to ¥260.3 billion and ordinary profit up 48.6% to ¥61.1 billion, while profit attributable t...
Daishi Hokuetsu Financial Group Lifts FY2026 Profit and ROE Targets
Apr 27, 2026
Daishi Hokuetsu Financial Group has raised its key management targets for the final year of its third medium-term management plan, reflecting stronger-than-expected performance and a more favorable interest rate environment in Japan. For fiscal 20...
Daishi Hokuetsu Financial Group Lifts Profit Outlook and Dividend on Strong Non-Interest Income
Apr 27, 2026
Daishi Hokuetsu Financial Group has sharply raised its full-year earnings outlook for the fiscal year ended March 2026, driven by stronger-than-expected non-interest income from corporate services and higher net interest income on the back of incr...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.