Hokuhoku Financial Group, Inc. (JP:8377)
:8377
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Hokuhoku Financial Group, Inc.
(8377)
Select Model
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Rating:65Neutral
Price Target:
¥6,857.00
▲(38.00% Upside)
Action:Reiterated
Date:05/12/26
The score is driven primarily by mixed financial performance: strong recent profitability and revenue acceleration are tempered by volatile cash flow and a still-leveraged banking balance sheet. Technicals are supportive with a clear uptrend and positive momentum. Valuation is reasonable (P/E ~12) but the dividend yield is only modest, limiting upside from income/cheapness.
Positive Factors
Profitability improvement
Sustained margin expansion and a sharp revenue acceleration in 2026 indicate improved core earning power and pricing or mix advantages. Higher margins boost internal capital generation and resilience, supporting reinvestment, provisioning capacity and dividend sustainability over the medium term.
Negative Factors
Volatile cash generation
Large year-to-year swings in operating and free cash flow weaken predictability of internal funding for loans, capital expenditures and dividends. This volatility increases refinancing and liquidity risk during stress periods and complicates multi‑period planning and capital allocation decisions.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability improvement
Sustained margin expansion and a sharp revenue acceleration in 2026 indicate improved core earning power and pricing or mix advantages. Higher margins boost internal capital generation and resilience, supporting reinvestment, provisioning capacity and dividend sustainability over the medium term.
Read all positive factors
Hokuhoku Financial Group, Inc. (8377) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥785.24B
Dividend Yield1.41%
Average Volume (3M)390.56K
Price to Earnings (P/E)13.3
Beta (1Y)1.15
Revenue Growth26.64%
EPS Growth57.23%
CountryJP
Employees4,580
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)363.76
Shares Outstanding121,120,120
10 Day Avg. Volume353,840
30 Day Avg. Volume390,563
Financial Highlights & Ratios
PEG Ratio0.22
Price to Book (P/B)0.97
Price to Sales (P/S)2.66
P/FCF Ratio20.01
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
Headquartered in Toyama, Japan, and established in 2003, Hokuhoku Financial Group, Inc. operates as a diversified financial institution. Through its various subsidiaries, the group delivers a broad spectrum of banking products and services primari...
How the Company Makes Money
The company makes money primarily through its banking subsidiaries. Key revenue streams generally include: (1) Net interest income: interest earned on loans and other interest-earning assets (such as securities) minus interest paid on deposits and...
Hokuhoku Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
58
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 216.63B | 266.44B | 202.80B | 156.23B | 138.32B | 164.88B |
| Gross Profit | 186.62B | 227.05B | 170.48B | 143.19B | 127.54B | 150.02B |
| EBITDA | 62.87B | 88.37B | 62.16B | 33.91B | 33.82B | 42.02B |
| Net Income | 45.83B | 58.90B | 39.07B | 23.05B | 21.43B | 20.53B |
Balance Sheet | ||||||
| Total Assets | 16.71T | 16.96T | 16.44T | 16.38T | 16.17T | 17.28T |
| Cash, Cash Equivalents and Short-Term Investments | 3.94T | 3.58T | 3.19T | 4.55T | 4.36T | 5.47T |
| Total Debt | 1.50T | 1.44T | 1.50T | 1.69T | 1.67T | 3.24T |
| Total Liabilities | 16.06T | 16.23T | 15.78T | 15.72T | 15.56T | 16.66T |
| Stockholders Equity | 648.67B | 727.94B | 654.36B | 660.99B | 608.62B | 619.40B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 35.44B | 235.34B | 0.00 | -1.47T | 452.61B |
| Operating Cash Flow | 0.00 | 48.88B | 241.29B | 0.00 | -1.47T | 462.41B |
| Investing Cash Flow | 0.00 | -44.41B | -1.55T | 131.36B | 367.72B | -82.65B |
| Financing Cash Flow | 0.00 | 350.69B | -48.70B | 344.53B | -10.98B | -14.49B |
Hokuhoku Financial Group, Inc. Technical Analysis
Positive
4969.00
Price Trends
6324.50
Positive
6029.88
Positive
5028.28
Positive
Market Momentum
43.44
Positive
52.33
Neutral
57.37
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 6499.40, below the 50-day MA of 6324.50, and below the 200-day MA of 5028.28, indicating a neutral trend. The MACD of 43.44 indicates Positive momentum. The RSI at 52.33 is Neutral, neither overbought nor oversold. The STOCH value of 57.37 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥642.74B | 14.53 | ― | 3.21% | 19.57% | 23.07% | |
68 Neutral | ¥1.23T | 15.93 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | ¥586.55B | 13.22 | ― | 3.15% | 14.92% | 43.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥897.45B | 15.14 | 8.19% | 3.14% | 22.63% | 36.09% | |
65 Neutral | ¥785.24B | 13.28 | ― | 1.41% | 26.64% | 57.23% | |
55 Neutral | ¥227.01B | 17.74 | ― | 2.38% | 33.44% | 57.44% |
* Financial Sector Average
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Hokuhoku Financial Group, Inc. Corporate Events
Hokuhoku Financial Group to Reallocate Capital Reserve for Greater Policy Flexibility
May 11, 2026
Hokuhoku Financial Group has approved a proposal to significantly reduce its capital reserve, reallocating ¥64.3 billion of its ¥82.0 billion capital reserve into other capital surplus to enhance future capital policy flexibility. The me...
Hokuhoku Financial Group to Streamline Capital Structure with Articles Amendment
May 11, 2026
Hokuhoku Financial Group plans to amend its Articles of Incorporation following the cancellation of 42,983,000 shares of its first series Class 5 preferred shares at the end of 2025. The company will reduce the total number of authorized shares, e...
Hokuhoku Financial Group Launches ¥10 Billion Share Buyback and Cancellation Plan
May 11, 2026
Hokuhoku Financial Group, Inc. has approved a share buyback program to acquire up to 2.2 million of its common shares, representing about 1.82% of its outstanding stock, for a total purchase price of up to ¥10 billion through market purchases...
Hokuhoku Financial Group reshapes board and executive lineup
May 11, 2026
Hokuhoku Financial Group has announced a slate of executive changes across the group, following board approvals on May 11 and subject to final confirmation at the June 23 shareholders’ meeting. The moves include the appointment of two new no...
Hokuhoku Financial Group Posts Strong FY2026 Results and Hikes Dividends
May 11, 2026
Hokuhoku Financial Group reported a strong improvement in performance for the fiscal year ended March 31, 2026, with ordinary income rising 32% to ¥277.5 billion and net income attributable to owners of the parent climbing 50.7% to ¥58.9...
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...
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.