Hokkoku Financial Holdings,Inc. (JP:7381)
:7381
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Hokkoku Financial Holdings,Inc.
(7381)
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Rating:55Neutral
Price Target:
¥1,090.00
▲(71.38% 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 positive profitability
Hokkoku has consistently reported positive net income and steady net profit margins (~9%–12% historically), giving a durable earnings base. For a regional bank, stable profitability supports reserve setting, dividend capacity and the ability to reinvest in branch and service capabilities over the medium term.
Negative Factors
Weak, volatile cash generation
Operating and free cash flows swing materially year-to-year, including negative or flat periods recently. This raises questions about earnings quality and the bank’s ability to self-fund lending growth, capital expenditures or dividends without relying on external financing, a structural vulnerability.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent positive profitability
Hokkoku has consistently reported positive net income and steady net profit margins (~9%–12% historically), giving a durable earnings base. For a regional bank, stable profitability supports reserve setting, dividend capacity and the ability to reinvest in branch and service capabilities over the medium term.
Read all positive factors
Hokkoku Financial Holdings,Inc. (7381) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥230.86B
Dividend Yield2.38%
Average Volume (3M)460.86K
Price to Earnings (P/E)―
Beta (1Y)1.13
Revenue Growth33.44%
EPS Growth57.44%
CountryJP
Employees1,951
SectorFinancial
Sector Strength70
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
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
The company makes money primarily through its consolidated financial subsidiaries (notably its banking operations). Key revenue streams generally include: (1) Net interest income: interest earned on loans and other interest-bearing assets minus in...
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 | 12.86B | 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 | 0.00 | 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
986.04
Positive
946.08
Positive
786.86
Positive
Market Momentum
17.13
Negative
63.69
Neutral
54.11
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 990.95, below the 50-day MA of 986.04, and below the 200-day MA of 786.86, indicating a bullish trend. The MACD of 17.13 indicates Negative momentum. The RSI at 63.69 is Neutral, neither overbought nor oversold. The STOCH value of 54.11 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥247.46B | 13.40 | ― | 3.00% | 21.20% | 17.32% | |
71 Outperform | ¥263.30B | 14.34 | ― | 2.53% | 16.63% | 19.98% | |
69 Neutral | ¥279.59B | 12.97 | ― | 3.46% | 11.64% | 26.63% | |
68 Neutral | ¥272.88B | 15.26 | ― | 2.13% | 15.39% | 26.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥286.06B | 12.58 | ― | 2.55% | 18.30% | 38.04% | |
55 Neutral | ¥230.86B | -94.53 | ― | 2.38% | 33.44% | 57.44% |
* Financial Sector Average
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Hokkoku Financial Holdings,Inc. Corporate Events
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...
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...
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.