Hokkoku Financial Holdings,Inc. (JP:7381)
:7381
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Hokkoku Financial Holdings,Inc.
(7381)
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Rating:65Neutral
Price Target:
¥1,081.00
▲(69.97% Upside)
Action:ReiteratedDate:02/13/26
The score is driven primarily by mixed fundamentals: solid revenue growth and improved free cash flow are outweighed by declining margins and high leverage risk. Technicals are a meaningful support with a strong uptrend and positive momentum, but near-overbought signals temper the outlook. Valuation appears roughly average based on the P/E and dividend yield.
Positive Factors
Consistent revenue growth
Sustained revenue growth near double digits reflects expanding loan and fee volumes in the regional franchise. Over 2-6 months this trend supports higher core earnings, provides funding for reinvestment, and reduces reliance on one-off gains, strengthening long-term earning capacity.
Negative Factors
High leverage on the balance sheet
Very high debt-to-equity (5.59) and a low equity ratio materially reduce financial flexibility. Over a multi-month horizon this elevates sensitivity to credit shocks, limits capital buffer for loan losses, and constrains strategic investments or inorganic moves.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth
Sustained revenue growth near double digits reflects expanding loan and fee volumes in the regional franchise. Over 2-6 months this trend supports higher core earnings, provides funding for reinvestment, and reduces reliance on one-off gains, strengthening long-term earning capacity.
Read all positive factors
Hokkoku Financial Holdings,Inc. (7381) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥231.53B
Dividend Yield2.38%
Average Volume (3M)460.86K
Price to Earnings (P/E)9.0
Beta (1Y)1.05
Revenue Growth8.43%
EPS Growth38.21%
CountryJP
Employees1,951
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)22.47
Shares Outstanding229,085,820
10 Day Avg. Volume450,540
30 Day Avg. Volume460,856
Financial Highlights & Ratios
PEG Ratio-2.67
Price to Book (P/B)0.63
Price to Sales (P/S)1.58
P/FCF Ratio0.00
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
Hokkoku Financial Holdings, Inc. (7381) is a Japanese financial services company headquartered in Kanazawa, Ishikawa Prefecture. The company operates primarily in the banking sector, offering a range of financial services including commercial bank...
How the Company Makes Money
Hokkoku Financial Holdings generates revenue through various key streams primarily linked to its banking operations. The company earns interest income from loans provided to customers, which includes personal loans, mortgages, and business loans. ...
Hokkoku Financial Holdings,Inc. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 83.71B | 85.06B | 85.96B | 77.98B | 76.84B | 73.21B |
| Gross Profit | 71.69B | 69.57B | 74.18B | 70.83B | 65.35B | 62.26B |
| EBITDA | 16.05B | 11.64B | 12.86B | 18.75B | 20.28B | 16.07B |
| 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 | 585.99B | 448.86B | 578.87B | 794.96B | 1.47T |
| 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 | 0.00 | 0.00 | -134.00B | 288.90B | 116.49B |
| Operating Cash Flow | 0.00 | 0.00 | 0.00 | -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
Positive
636.00
Price Trends
962.19
Positive
860.62
Positive
719.76
Positive
Market Momentum
16.64
Negative
58.36
Neutral
85.40
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 969.89, below the 50-day MA of 962.19, and below the 200-day MA of 719.76, indicating a bullish trend. The MACD of 16.64 indicates Negative momentum. The RSI at 58.36 is Neutral, neither overbought nor oversold. The STOCH value of 85.40 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥262.22B | 14.45 | ― | 2.13% | 7.77% | 5.80% | |
70 Outperform | ¥240.57B | 8.55 | ― | 3.00% | 10.56% | 16.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥231.53B | 8.99 | ― | 2.38% | 8.43% | 38.21% | |
65 Neutral | ¥249.62B | 8.20 | ― | 3.46% | 11.92% | 16.40% | |
65 Neutral | ¥252.44B | 10.90 | ― | 2.53% | 7.67% | 11.03% | |
59 Neutral | ¥264.74B | 10.68 | ― | 2.55% | -0.36% | 41.38% |
* Financial Sector Average
JP:7381
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Hokkoku Financial Holdings,Inc. Corporate Events
CCI Group Completes Restricted Stock Treasury Share Disposal to Employees
Mar 23, 2026
CCI Group, Inc. has completed the payment procedures for the disposal of treasury stock as restricted stock to employees, following a board resolution in February. The transaction, aimed at granting equity-based compensation across the group, unde...
CCI Group Reports No February Activity in Ongoing Share Buyback Program
Mar 6, 2026
CCI Group, Inc. reported on the progress of its ongoing share buyback program authorized under Japan’s Companies Act, confirming that it repurchased no shares in the period from February 1 to February 28, 2026 via market purchases on the Tok...
CCI Group to Grant ¥699 Million in Restricted Stock to Employees
Feb 27, 2026
CCI Group, Inc. has approved the disposal of 694,912 shares of its treasury stock as restricted stock to 1,819 employees across the parent company and its subsidiaries, with a total value of about 699 million yen and a per‑share price set at...
CCI Group Reports Progress on ¥13 Billion Share Buyback Program
Feb 6, 2026
CCI Group, Inc. announced the progress of its share buyback program, reporting that it repurchased 3,255,200 shares of common stock for a total of approximately JPY 3.0 billion via market purchases on the Tokyo Stock Exchange between January 5 and...
CCI Group Profits Nearly Double on Strong Nine-Month Performance and Improved Capital Base
Jan 30, 2026
CCI Group reported strong recovery for the nine months ended December 31, 2025, with ordinary income up 24.6% to ¥82.2 billion, ordinary profit up 66.3% to ¥19.1 billion, and profit attributable to owners of parent surging 92.6% to ¥...
CCI Group Discloses Significant Unrealized Securities Losses at Hokkoku Bank but Keeps Earnings Outlook Unchanged
Jan 23, 2026
CCI Group, Inc. reported that its major consolidated subsidiary, The Hokkoku Bank, recorded unrealized losses of ¥4,983 million on held-to-maturity securities for the nine months ended December 31, 2025, against a book value of ¥171,065 ...
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.