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Hokkoku Financial Holdings,Inc.
(7381)
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Rating:55Neutral
Price Target:
¥1,104.00
▲(73.58% Upside)
Action:Reiterated
Date:05/02/26
The score is held back primarily by weak and inconsistent cash flow and elevated leverage risk, despite solid profitability. Technical indicators also point to soft near-term momentum. Valuation is the key positive, supported by a low P/E and a reasonable dividend yield.
Positive Factors
Consistent Profitability
Hokkoku has delivered positive net income across the multi-year period with mid-single-digit to low-double-digit margins. Persistent profitability provides a durable earnings base to support lending, reserves and shareholder distributions, underpinning long-term franchise stability even if growth is uneven.
Negative Factors
Elevated Leverage
High and rising leverage materially increases funding and solvency risk for a regional bank. Elevated debt ratios constrain strategic flexibility, amplify earnings volatility from rate moves, and raise regulatory or refinancing pressure during stress, weakening the balance sheet's long-term durability.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Profitability
Hokkoku has delivered positive net income across the multi-year period with mid-single-digit to low-double-digit margins. Persistent profitability provides a durable earnings base to support lending, reserves and shareholder distributions, underpinning long-term franchise stability even if growth is uneven.
Read all positive factors
Hokkoku Financial Holdings,Inc. (7381) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥233.79B
Dividend Yield2.38%
Average Volume (3M)460.86K
Price to Earnings (P/E)18.9
Beta (1Y)1.12
Revenue Growth33.44%
EPS Growth57.44%
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. functions as a holding company, with its primary activities centered on the oversight and management of banking institutions and their associated businesses. This enterprise was established on December 18, 1943, and its corporate h...
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
1014.16
Positive
995.46
Positive
866.50
Positive
Market Momentum
13.54
Negative
55.98
Neutral
39.84
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 1009.75, below the 50-day MA of 1014.16, and below the 200-day MA of 866.50, indicating a bullish trend. The MACD of 13.54 indicates Negative momentum. The RSI at 55.98 is Neutral, neither overbought nor oversold. The STOCH value of 39.84 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥261.85B | 16.65 | ― | 3.00% | 21.20% | 17.32% | |
71 Outperform | ¥292.00B | 19.10 | ― | 2.53% | 16.63% | 19.98% | |
69 Neutral | ¥306.10B | 16.88 | ― | 3.46% | 11.64% | 26.63% | |
68 Neutral | ¥300.23B | 19.53 | ― | 2.13% | 15.39% | 26.88% | |
66 Neutral | ¥302.25B | 15.75 | ― | 2.55% | 18.30% | 38.07% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ¥233.79B | 18.85 | ― | 2.38% | 33.44% | 57.44% |
* General Sector Average
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Hokkoku Financial Holdings,Inc. Corporate Events
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 ...
CCI Group Accelerates ROE Target in Updated Medium-Term Strategy 2026
Apr 28, 2026
CCI Group has updated its Medium-Term Business Strategy 2026, setting new financial targets through the fiscal year ending March 2029, including higher banking and new business revenues, consolidated ordinary profit of up to ¥32.0 billion, pr...
CCI Group’s Ordinary Income Jumps 86.5% on Loan Interest and Stock Gains
Apr 28, 2026
CCI Group, Inc. reported a sharp year-on-year rise in consolidated ordinary income for the fiscal year ended March 31, 2026, with earnings climbing to ¥167.1 billion from ¥89.6 billion in the prior period. The 86.5% increase underscores ...
CCI Group Posts Strong FY2026 Rebound and Lifts Dividend as Profit Outlook Improves
Apr 28, 2026
CCI Group reported a sharp rebound in performance for the fiscal year ended March 31, 2026, with ordinary income surging 86.5% to ¥167.1 billion and profit attributable to owners of parent rising 55.5% to ¥12.6 billion. Net assets increa...
CCI Group Reports Large Unrealized Securities Losses at Hokkoku Bank
Apr 17, 2026
CCI Group said its core subsidiary Hokkoku Bank has booked ¥6,557 million in unrealized losses on held-to-maturity securities as of March 31, 2026, against a book value of ¥171,141 million and market value of ¥164,584 million, equiv...
CCI Group Reports No Share Buybacks in March but Retains Large Repurchase Capacity
Apr 10, 2026
CCI Group, Inc., a Prime Market-listed company on the Tokyo Stock Exchange, focuses on managing its capital structure through transactions in its common stock. The group uses share repurchase programs as a tool to enhance shareholder value and opt...
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.