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Hokkoku Financial Holdings,Inc.
(7381)
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Rating:62Neutral
Price Target:
¥1,236.00
▲(94.34% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by mixed fundamentals—steady profitability and a 2026 revenue surge are offset by elevated leverage and very inconsistent/negative cash flow. Technicals are a key positive with a clear uptrend and supportive momentum, while valuation is neutral-to-slightly supportive (mid P/E and modest dividend yield).
Positive Factors
Diversified banking revenue streams
The group's mix of net interest, fee/commission and treasury income provides multiple durable revenue pillars. That diversification supports steadier margins across lending, payment and treasury cycles, enables cross-selling, and reduces dependence on any single business line.
Negative Factors
Elevated leverage and rising debt
High and rising leverage reduces financial flexibility and increases interest‑rate and refinancing exposure. A marked debt uptick in 2026 heightens downside risk in stress periods, constrains capacity for organic growth or buybacks, and can pressure capital ratios if earnings weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified banking revenue streams
The group's mix of net interest, fee/commission and treasury income provides multiple durable revenue pillars. That diversification supports steadier margins across lending, payment and treasury cycles, enables cross-selling, and reduces dependence on any single business line.
Read all positive factors
Hokkoku Financial Holdings,Inc. (7381) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥250.30B
Dividend Yield2.08%
Average Volume (3M)460.86K
Price to Earnings (P/E)17.2
Beta (1Y)1.14
Revenue Growth34.41%
EPS Growth28.29%
CountryJP
Employees1,950
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)50.24
Shares Outstanding229,085,820
10 Day Avg. Volume450,540
30 Day Avg. Volume460,856
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.86
Price to Sales (P/S)1.33
P/FCF Ratio-12.14
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)N/A
Revenue Forecast (FY)N/A
Hokkoku Financial Holdings,Inc. Business Overview & Revenue Model
Company Description
CCI Group, Inc. operates as a holding company for The Hokkoku Bank,Ltd. that provides various financial services in Japan. It operates through the Banking Business and Leasing Business segments. The Banking Business segment provides banking servic...
How the Company Makes Money
The company makes money primarily through the operating earnings of its banking subsidiaries. Key revenue streams generally include: (1) net interest income—earning interest on loans and other interest-bearing assets while paying interest on custo...
Hokkoku Financial Holdings,Inc. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
52
Neutral
Cash Flow
30
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 83.71B | 158.13B | 85.06B | 85.96B | 77.98B | 76.84B |
| Gross Profit | 71.69B | 135.85B | 69.57B | 74.18B | 70.83B | 65.35B |
| EBITDA | 16.05B | 23.02B | 11.64B | 16.94B | 18.75B | 20.28B |
| Net Income | 11.44B | 12.63B | 8.12B | 9.05B | 8.74B | 9.39B |
Balance Sheet | ||||||
| Total Assets | 6.23T | 6.54T | 6.39T | 5.76T | 5.60T | 5.71T |
| Cash, Cash Equivalents and Short-Term Investments | 1.29T | 1.39T | 1.65T | 1.58T | 1.35T | 1.61T |
| Total Debt | 26.27B | 1.39T | 585.99B | 448.86B | 578.87B | 794.96B |
| Total Liabilities | 5.99T | 6.28T | 6.17T | 5.51T | 5.37T | 5.45T |
| Stockholders Equity | 234.95B | 244.55B | 212.02B | 244.22B | 229.64B | 256.56B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -17.29B | 0.00 | 0.00 | -134.00B | 288.90B |
| Operating Cash Flow | 0.00 | -6.78B | 0.00 | 0.00 | -128.95B | 294.12B |
| Investing Cash Flow | 0.00 | -371.60B | -412.50B | 51.41B | -117.36B | -149.14B |
| Financing Cash Flow | 0.00 | 104.18B | 199.38B | 306.37B | -10.42B | -5.70B |
Hokkoku Financial Holdings,Inc. Technical Analysis
Positive
636.00
Price Trends
1051.20
Positive
1021.48
Positive
908.67
Positive
Market Momentum
31.69
Negative
64.97
Neutral
80.35
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7381, the sentiment is Positive. The current price of 636 is below the 20-day moving average (MA) of 1119.95, below the 50-day MA of 1051.20, and below the 200-day MA of 908.67, indicating a bullish trend. The MACD of 31.69 indicates Negative momentum. The RSI at 64.97 is Neutral, neither overbought nor oversold. The STOCH value of 80.35 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7381.
Hokkoku Financial Holdings,Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥257.45B | 15.97 | ― | 3.00% | 30.51% | 18.50% | |
68 Neutral | ¥307.06B | 17.60 | ― | 2.13% | 19.41% | 60.52% | |
66 Neutral | ¥324.48B | 17.14 | ― | 2.55% | 18.30% | 38.07% | |
66 Neutral | ¥323.41B | 18.51 | ― | 2.53% | 23.28% | 40.80% | |
62 Neutral | ¥250.30B | 17.18 | ― | 2.00% | 34.41% | 28.29% | |
57 Neutral | ¥283.21B | 14.89 | ― | 3.46% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Hokkoku Financial Holdings,Inc. Corporate Events
CCI Group Posts Mixed Quarterly Results but Affirms Dividend and Profit Outlook
Jul 30, 2026
CCI Group, Inc. reported consolidated ordinary income of ¥27,884 million for the three months ended June 30, 2026, an 8 percent year-on-year increase, while ordinary profit fell 13.5 percent to ¥7,213 million. Profit attributable to owne...
CCI Group Subsidiary Hokkoku Bank Books ¥7.4 Billion Unrealized Securities Loss
Jul 24, 2026
CCI Group, Inc. reported that its key subsidiary Hokkoku Bank recorded unrealized losses of ¥7.4 billion on held-to-maturity securities for the three months ended June 30, 2026, against a book value of ¥171.2 billion and a market value o...
CCI Group Completes Restricted Stock Treasury Disposal to Directors and Staff
Jul 10, 2026
CCI Group, Inc., a Tokyo Stock Exchange Prime Market-listed financial and corporate services firm, is led by President Shuji Tsuemura and emphasizes structured corporate governance through its directors, executive officers and employees. The compa...
CCI Group Advances Large-Scale Share Buyback Program
Jul 10, 2026
CCI Group, Inc. reported progress on its ongoing share buyback program, disclosing that it repurchased 531,700 common shares for approximately JPY 539.3 million via market purchases on the Tokyo Stock Exchange between June 1 and June 30, 2026. Thi...
CCI Group to Grant ¥252 Million in Restricted Stock to Executives and Employees
Jun 19, 2026
CCI Group, Inc. has approved the disposal of 256,438 shares of its treasury stock as restricted stock, valued at about ¥252 million, to three directors, 15 executive officers and 28 employees. The shares, priced at ¥983 each, will be gra...
CCI Group Details Progress on 2026 Share Buyback Program
Jun 5, 2026
CCI Group, Inc. has reported progress on its ongoing share buyback program, disclosing that it repurchased 1,779,700 shares of common stock for about JPY 1.81 billion via market purchases on the Tokyo Stock Exchange between May 1 and May 31, 2026....
CCI Group Raises Full-Year Dividend After Stock Split, Targets 40% Payout Ratio
May 22, 2026
CCI Group, Inc. has approved a year-end dividend of 12 yen per share for the fiscal year ended March 31, 2026, with a total payout of 2,687 million yen sourced from retained earnings and an effective payment date of June 1, 2026. The company condu...
CCI Group Leaves April Buybacks at Zero, Retains Ample Repurchase Capacity
May 13, 2026
CCI Group reported that it did not repurchase any of its own shares between April 1 and April 30, 2026, under an ongoing buyback program authorized by its board of directors. The company had previously approved a substantial repurchase mandate of ...
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.