Hokuhoku Financial Group, Inc. (JP:8377)
:8377
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Hokuhoku Financial Group, Inc.
(8377)
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Select Model
Rating:69Neutral
Price Target:
¥6,189.00
▲(24.55% Upside)
Action:ReiteratedDate:03/05/26
The score is driven mainly by improving profitability and strengthening cash flow, partly offset by high leverage and moderate ROE. Technicals are constructive longer-term but show some near-term softness, while the low P/E provides valuation support.
Positive Factors
Revenue and Margin Improvement
Sustained double-digit revenue growth alongside a materially higher net profit margin indicates the franchise is improving core profitability. Over 2-6 months this supports stronger internal capital generation, funding for lending or technology, and greater resilience to cyclical earnings swings.
Negative Factors
High Leverage
A debt-to-equity ratio above 2x creates persistent financial leverage risk: interest-cost sensitivity, constrained capital buffers, and greater vulnerability to credit stress. Over the medium term it limits strategic optionality and increases refinancing and regulatory strain.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Margin Improvement
Sustained double-digit revenue growth alongside a materially higher net profit margin indicates the franchise is improving core profitability. Over 2-6 months this supports stronger internal capital generation, funding for lending or technology, and greater resilience to cyclical earnings swings.
Read all positive factors
Hokuhoku Financial Group, Inc. (8377) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥753.74B
Dividend Yield1.41%
Average Volume (3M)390.56K
Price to Earnings (P/E)9.7
Beta (1Y)1.17
Revenue Growth28.83%
EPS Growth105.24%
CountryJP
Employees4,580
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)117.89
Shares Outstanding122,208,720
10 Day Avg. Volume353,840
30 Day Avg. Volume390,563
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.48
Price to Sales (P/S)1.56
P/FCF Ratio1.34
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)489
Revenue Forecast (FY)¥271.00B
Hokuhoku Financial Group, Inc. Business Overview & Revenue Model
Company Description
Hokuhoku Financial Group, Inc., through its subsidiaries, provides various banking products and services to individuals, and small and medium-sized enterprises. The company offers various deposit products, including current, ordinary, savings, tim...
How the Company Makes Money
Hokuhoku Financial Group generates revenue through multiple key streams. Primarily, the company earns income from interest on loans provided to customers, which includes personal loans, business loans, and mortgages. Additionally, it collects fees...
Hokuhoku Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
65
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 216.63B | 202.80B | 156.23B | 138.32B | 164.88B | 163.51B |
| Gross Profit | 186.62B | 170.48B | 143.19B | 127.54B | 150.02B | 148.46B |
| EBITDA | 62.87B | 62.16B | 33.91B | 33.82B | 42.02B | 40.02B |
| Net Income | 45.83B | 39.07B | 23.05B | 21.43B | 20.53B | 21.33B |
Balance Sheet | ||||||
| Total Assets | 16.71T | 16.44T | 16.38T | 16.17T | 17.28T | 16.64T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 3.19T | 4.55T | 4.36T | 5.47T | 5.10T |
| Total Debt | 1.50T | 1.50T | 1.69T | 1.67T | 3.24T | 4.93T |
| Total Liabilities | 16.06T | 15.78T | 15.72T | 15.56T | 16.66T | 16.00T |
| Stockholders Equity | 648.67B | 654.36B | 660.99B | 608.62B | 619.40B | 635.24B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 235.34B | 0.00 | -1.47T | 452.61B | 2.60T |
| Operating Cash Flow | 0.00 | 241.29B | 0.00 | -1.47T | 462.41B | 2.61T |
| Investing Cash Flow | 0.00 | -1.55T | 131.36B | 367.72B | -82.65B | -231.38B |
| Financing Cash Flow | 0.00 | -48.70B | 344.53B | -10.98B | -14.49B | -12.07B |
Hokuhoku Financial Group, Inc. Technical Analysis
Positive
4969.00
Price Trends
5916.41
Positive
5268.62
Positive
4326.07
Positive
Market Momentum
159.28
Negative
54.24
Neutral
51.10
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8377, the sentiment is Positive. The current price of 4969 is below the 20-day moving average (MA) of 6029.54, below the 50-day MA of 5916.41, and above the 200-day MA of 4326.07, indicating a bullish trend. The MACD of 159.28 indicates Negative momentum. The RSI at 54.24 is Neutral, neither overbought nor oversold. The STOCH value of 51.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8377.
Hokuhoku Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ¥547.49B | 9.62 | ― | 3.15% | 12.71% | 71.94% | |
76 Outperform | ¥865.29B | 9.65 | 8.19% | 3.14% | 15.77% | 27.55% | |
70 Outperform | ¥579.78B | 9.42 | ― | 3.21% | 19.82% | 29.59% | |
69 Neutral | ¥753.74B | 9.74 | ― | 1.41% | 28.83% | 105.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥229.72B | 8.99 | ― | 2.38% | 8.43% | 38.21% | |
64 Neutral | ¥1.17T | 11.66 | ― | 2.00% | 18.45% | 41.89% |
* Financial Sector Average
JP:8377
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Hokuhoku Financial Group, Inc. Corporate Events
Hokuhoku Financial Group Lifts Profit Outlook and Plans Higher Dividend for FY2026
Mar 27, 2026
Hokuhoku Financial Group has raised its full-year consolidated earnings forecast for the fiscal year ending March 31, 2026, citing steady loan growth at subsidiary banks and higher interest income from both loans and securities. The company also e...
Hokuhoku Financial Group Lifts Profitability and Sustainability Targets Under Sixth Medium-Term Plan
Mar 27, 2026
Hokuhoku Financial Group has raised its medium-term and long-term financial targets, signaling increased confidence in its earnings power and efficiency improvements. The group now aims for consolidated ROE of 8.5% and net income of ¥65 billi...
Hokuhoku Financial Group Completes Nearly ¥6 Billion Share Buyback
Mar 18, 2026
Hokuhoku Financial Group, Inc. has completed a share buyback program authorized under Japan’s Companies Act, as part of its capital management strategy. The group, a regional banking and financial services provider based in Toyama and listed...
Hokuhoku Financial Group Advances Share Buyback, Acquiring 329,600 Shares in February
Mar 3, 2026
Hokuhoku Financial Group, Inc. reported progress on its ongoing share repurchase program, disclosing that it bought 329,600 common shares on the Tokyo Stock Exchange between February 1 and February 28, 2026, at a total cost of about ¥1.94 bil...
Hokuhoku Financial Group’s Capital Adequacy Ratios Edge Lower in Third Quarter
Feb 6, 2026
Hokuhoku Financial Group reported a consolidated domestic-standard capital adequacy ratio of 9.78% as of December 31, 2025, down from 10.15% at the end of March 2025, as risk-weighted assets increased to ¥6.24 trillion while capital rose mode...
Hokuhoku Financial Group Reports Progress on Share Buyback Program
Feb 3, 2026
Hokuhoku Financial Group has disclosed progress on its share buyback program, reporting the acquisition of 464,000 common shares on the Tokyo Stock Exchange between January 6 and January 31, 2026, at a total cost of approximately 2.38 billion yen ...
Hokuhoku Financial Group Delivers Strong Nine-Month Earnings and Affirms Full-Year Outlook
Jan 30, 2026
Hokuhoku Financial Group reported strong consolidated results for the nine months ended 31 December 2025, with ordinary income, ordinary profit and net income attributable to owners of the parent all posting double‑digit year‑on‑...
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.
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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.