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

• Market Cap: ¥106.70B
• Dividend Yield: 2.51%
• Average Volume (3M): 54.00K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.80
• Revenue Growth: -15.64%
• EPS Growth: -3.58%
• Country: JP
• Employees: 1,951
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 56.24
• Shares Outstanding: 22,908,583
• 10 Day Avg. Volume: 48,290
• 30 Day Avg. Volume: 53,996
• PEG Ratio: -1.38
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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

• Rating: 61 Neutral
• Price Target: ―

Hokkoku Financial Holdings, Inc. shows strong profitability and a reasonable valuation but faces challenges with revenue growth, cash flow, and technical analysis indicators. The stock's bearish technical trend and moderate leverage further weigh on its overall performance. Improvements in cash flow generation and asset utilization could enhance the company's financial standing.

Hokkoku Financial Holdings,Inc. Business Overview & Revenue Model

Company Description

Hokkoku Financial Holdings, Inc. (7381) is a financial services holding company based in Japan, primarily engaged in providing a broad range of banking and financial solutions. The company operates through its subsidiaries, which include regional banks and financial service companies. It offers services such as retail banking, corporate banking, asset management, leasing, and other financial-related services. Hokkoku Financial Holdings focuses on serving both individual and corporate clients, leveraging its regional presence to deliver tailored financial products and services.

How the Company Makes Money

Hokkoku Financial Holdings, Inc. generates revenue through its diverse financial services portfolio. The company's primary revenue streams include interest income from loans and mortgages provided to individual and corporate clients, as well as fees and commissions from banking services like asset management, leasing, and financial advisory. Additionally, the company earns income from its investment activities and securities trading. By maintaining a strong regional presence, Hokkoku Financial Holdings benefits from local market knowledge and customer relationships, which are crucial for cross-selling products and services. Strategic partnerships with other financial institutions and businesses also play a role in expanding its client base and revenue potential.

Hokkoku Financial Holdings,Inc. Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
75.53B	65.87B	76.81B	80.30B	74.15B	71.44B
	Gross Profit
72.53B	65.87B	76.81B	80.30B	74.15B	71.44B
	EBIT
23.77B	13.95B	14.26B	15.71B	12.64B	12.97B
	EBITDA
5.80B	0.00	18.75B	20.28B	16.07B	16.32B
	Net Income Common Stockholders
6.68B	9.05B	8.74B	9.39B	6.75B	7.31B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.35T	1.58T	1.35T	1.61T	1.48T	1.39T
	Total Assets
5.87T	5.76T	5.60T	5.71T	5.52T	5.10T
	Total Debt
513.66B	767.50B	578.87B	794.96B	1.11T	1.08T
	Net Debt
-832.56B	-1.58T	-775.99B	-812.91B	-377.87B	-312.80B
	Total Liabilities
5.63T	5.51T	578.87B	794.96B	5.24T	4.86T
	Stockholders Equity
230.37B	244.22B	229.64B	256.56B	278.46B	233.59B
Cash Flow		Free Cash Flow
0.00	-65.42B	-134.00B	288.90B	116.49B	17.94B
	Operating Cash Flow
0.00	-53.33B	-128.95B	294.12B	122.30B	22.41B
	Investing Cash Flow
0.00	51.41B	-117.36B	-149.14B	-268.81B	23.76B
	Financing Cash Flow
0.00	134.05B	-10.42B	-5.70B	230.71B	82.96B

Hokkoku Financial Holdings,Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4775.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7381, the sentiment is Negative. The current price of 4775 is below the 20-day moving average (MA) of 4869.75, below the 50-day MA of 4987.10, and below the 200-day MA of 4982.63, indicating a bearish trend. The MACD of -50.77 indicates Positive momentum. The RSI at 41.54 is Neutral, neither overbought nor oversold. The STOCH value of 5.12 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
8331	73 Outperform	¥920.74B	12.37	6.30%	3.41%	9.28%	20.48%
8377	71 Outperform	¥341.81B	8.95		1.44%	21.04%	20.47%
8368	71 Outperform	$178.27B	9.65	3.81%	0.02%	7.03%	8.58%
8354	70 Outperform	$758.15B	10.35	7.30%	0.02%	15.35%	-1.62%
8334	69 Neutral	$462.27B	10.40	7.63%	4.22%	-4.47%	30.59%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
7381	61 Neutral	¥106.70B	13.45		2.51%	-15.64%	-3.58%

Hokkoku Financial Holdings,Inc. Corporate Events

Hokkoku Financial Holdings Announces Stock Split to Expand Investor Base

Hokkoku Financial Holdings, Inc. announced a stock split to make its shares more accessible to investors, aiming to expand its investor base. The stock split will increase the total number of issued shares significantly, and the company’s Articles of Incorporation will be amended to reflect the increased number of authorized shares.

Hokkoku Financial Holdings to Repurchase and Cancel Shares

Hokkoku Financial Holdings, Inc. announced its board’s decision to repurchase and cancel its own shares to enhance capital flexibility and implement shareholder return policies. This move is aimed at adapting to changes in the management environment and preparing for share allocations for directors and employees, potentially impacting the company’s stock value and shareholder equity.

Hokkoku Financial Holdings Updates Strategy and Shareholder Policy

Hokkoku Financial Holdings, Inc. has updated its medium-term business strategy and revised its shareholder return policy to adapt to changing market conditions. The company aims to improve its return on equity (ROE) by enhancing operational efficiency and expanding earnings in both traditional banking and new business areas. The revised policy shifts from a total return ratio to a dividend payout ratio, targeting sustainable profit growth and more stable shareholder returns.

Hokkoku Financial Holdings Reports Decline in FY2025 Results, Announces Stock Split

Hokkoku Financial Holdings, Inc. reported a decrease in its consolidated financial results for the fiscal year ended March 31, 2025, with ordinary income and profit attributable to owners of the parent both declining compared to the previous year. The company announced a stock split and forecasted improved financial performance for the fiscal year ending March 31, 2026, indicating potential positive impacts on shareholder value and market positioning.