Hokkoku Financial Holdings,Inc. (7381) AI Stock Analysis

• Market Cap: ¥146.97B
• Dividend Yield: 2.5%
• Average Volume (3M): 663.16K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 0.91
• Revenue Growth: 8.43%
• EPS Growth: 38.21%
• Country: JP
• Employees: 1,951
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 10.59
• Shares Outstanding: 229,085,820
• 10 Day Avg. Volume: 820,060
• 30 Day Avg. Volume: 663,163
• PEG Ratio: -2.67
• Price to Book (P/B): 0.63
• Price to Sales (P/S): 1.57
• P/FCF Ratio: 4.72
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: ¥740.00 ▲(16.35% Upside)

The overall stock score of 68 reflects a balanced view of Hokkoku Financial Holdings, Inc. The most significant factor is the mixed financial performance, with strong revenue growth but concerns over profitability and leverage. Technical analysis shows a positive trend, supporting a higher score. Valuation is fair, providing a reasonable balance between growth and income.

Hokkoku Financial Holdings,Inc. Business Overview & Revenue Model

Company Description

CCI Group, Inc. operates as a holding company with an interest in the management & operation of banks and its subsidiaries. The company was founded on December 18, 1943, and is headquartered in Kanazawa, Japan.

How the Company Makes Money

Hokkoku Financial Holdings generates revenue through multiple streams primarily derived from its banking operations, which include interest income from loans and mortgages, as well as fees from account management and transaction services. Additionally, the company earns revenue from its securities division through brokerage fees, asset management fees, and commissions on investment products. The insurance segment contributes to the revenue through premiums collected from policyholders. Strategic partnerships with other financial institutions and investment firms enhance the company's offerings and expand its customer base, further supporting its earnings. Overall, the diversified financial services model allows Hokkoku Financial Holdings to mitigate risks and capitalize on various market opportunities.

Hokkoku Financial Holdings,Inc. Financial Statement Overview

Summary

Hokkoku Financial Holdings, Inc. demonstrates a mixed financial performance. While revenue growth is strong at 12.87%, declining profit margins and high leverage are concerns. The net profit margin decreased to 10.87%, and the debt-to-equity ratio is high at 5.59. Cash flow shows some positive trends with a healthy free cash flow to net income ratio of 0.75, but past volatility suggests caution.

Income Statement

The income statement shows a mixed performance. The company experienced a revenue growth rate of 12.87% in the most recent year, indicating a positive trend. However, the net profit margin decreased from 13.75% to 10.87%, suggesting a decline in profitability. The EBIT and EBITDA margins also showed a significant drop, which could be a concern for operational efficiency.

Balance Sheet

The balance sheet reveals high leverage with a debt-to-equity ratio increasing to 5.59, which poses a risk. The return on equity is relatively stable at around 3.83%, but the equity ratio is low, indicating potential financial vulnerability. Overall, the balance sheet reflects a cautious outlook due to high debt levels.

Cash Flow

Cash flow analysis shows improvement with a positive free cash flow growth rate, although the operating cash flow to net income ratio is low at 0.032. The free cash flow to net income ratio is healthy at 0.75, suggesting good cash conversion. However, past volatility in cash flows indicates potential instability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	74.44B	85.25B	86.83B	73.81B	80.79B	74.15B
Gross Profit	74.44B	70.78B	77.19B	76.81B	65.62B	64.20B
EBITDA	14.47B	12.07B	13.95B	18.75B	17.40B	11.96B
Net Income	11.44B	8.12B	9.05B	8.74B	9.39B	6.75B
Balance Sheet
Total Assets	6.23T	6.39T	5.76T	5.60T	5.71T	5.52T
Cash, Cash Equivalents and Short-Term Investments	0.00	1.65T	1.58T	1.35T	1.61T	1.48T
Total Debt	26.27B	1.19T	767.94B	578.87B	1.11T	1.11T
Total Liabilities	5.99T	6.17T	5.51T	5.37T	5.45T	5.24T
Stockholders Equity	234.95B	212.02B	244.22B	229.64B	256.56B	278.46B
Cash Flow
Free Cash Flow	0.00	28.47B	-58.24B	-134.00B	288.90B	116.49B
Operating Cash Flow	0.00	37.91B	-48.90B	-128.95B	294.12B	122.30B
Investing Cash Flow	0.00	-412.50B	51.41B	-117.36B	-149.14B	-268.81B
Financing Cash Flow	0.00	199.38B	306.37B	-10.42B	-5.70B	230.71B

Hokkoku Financial Holdings,Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 636.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 654.95, below the 50-day MA of 641.65, and above the 200-day MA of 547.00, indicating a neutral trend. The MACD of 4.75 indicates Positive momentum. The RSI at 47.61 is Neutral, neither overbought nor oversold. The STOCH value of 21.43 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8336	78 Outperform	¥138.50B	10.24	―	2.99%	5.74%	10.39%
8544	75 Outperform	¥157.50B	13.89	―	2.57%	6.37%	-11.55%
8361	73 Outperform	¥152.35B	9.70	―	2.77%	-7.59%	76.05%
8388	70 Outperform	¥145.81B	11.75	―	2.53%	3.78%	1.63%
8386	69 Neutral	¥154.40B	11.16	―	2.60%	-0.36%	41.38%
7381	68 Neutral	¥146.97B	13.95	―	2.50%	8.43%	38.21%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Hokkoku Financial Holdings,Inc. Corporate Events

CCI Group Revises Financial Forecasts and Increases Dividend

CCI Group, Inc. has revised its financial results and dividend forecasts for the fiscal year ending March 2026. The company expects an increase in ordinary profit and profit attributable to owners of the parent due to higher loan balances and gains on sales of securities. Consequently, the annual dividend per share is also forecasted to increase, reflecting a commitment to a 40% payout ratio.

The most recent analyst rating on (JP:7381) stock is a Hold with a Yen6730.00 price target. To see the full list of analyst forecasts on Hokkoku Financial Holdings,Inc. stock, see the JP:7381 Stock Forecast page.

CCI Group Advances Share Repurchase Program

CCI Group, Inc. announced the progress of its share repurchase program, acquiring 34,500 shares for JPY 216,531,000 between September 1 and September 30, 2025, through market purchases on the Tokyo Stock Exchange. This move is part of a broader plan approved by the Board of Directors to repurchase up to 250,000 shares, with the aim of enhancing shareholder value and optimizing capital structure.

The most recent analyst rating on (JP:7381) stock is a Hold with a Yen6730.00 price target. To see the full list of analyst forecasts on Hokkoku Financial Holdings,Inc. stock, see the JP:7381 Stock Forecast page.

Hokkoku Financial Holdings Advances Share Repurchase Program

Hokkoku Financial Holdings, Inc. announced the progress of its share repurchase program, having bought back 56,200 shares worth JPY 337,912,000 between August 1 and August 31, 2025. This move is part of a broader strategy approved by the Board of Directors to repurchase up to 250,000 shares by March 31, 2026, aiming to enhance shareholder value and optimize the company’s capital allocation.

The most recent analyst rating on (JP:7381) stock is a Hold with a Yen6730.00 price target. To see the full list of analyst forecasts on Hokkoku Financial Holdings,Inc. stock, see the JP:7381 Stock Forecast page.

Hokkoku Financial Holdings Reports Progress on Share Repurchase Program

Hokkoku Financial Holdings, Inc. announced the progress of its share repurchase program, acquiring 62,100 common stock shares for JPY 333,466,000 between July 1 and July 31, 2025. This move is part of a broader plan approved by the Board of Directors to repurchase up to 250,000 shares, equivalent to 1.10% of issued shares, with a total budget of JPY 1,000,000,000, aiming to enhance shareholder value.

Hokkoku Financial Holdings Reports Strong Q1 2025 Results and Announces Stock Split

Hokkoku Financial Holdings, Inc. reported a significant improvement in its financial performance for the three months ended June 30, 2025, with a 17.8% increase in ordinary income and a 126.2% rise in ordinary profit compared to the previous year. The company also announced a planned 10-for-1 stock split effective October 1, 2025, which is expected to impact future dividend calculations and earnings per share.