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Daishi Hokuetsu Financial Group, Inc.
(7327)
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Rating:67Neutral
Price Target:
¥2,713.00
▲(88.01% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by mixed fundamentals: strong recent earnings and revenue momentum are tempered by meaningful leverage and notably volatile/weaker cash-flow quality. Technicals add support with a clear uptrend and strong momentum, while valuation is reasonable with a mid-range P/E and moderate dividend yield.
Positive Factors
Revenue Growth
Sustained revenue expansion indicates improving business activity across the regional banking franchise. The acceleration in 2026 provides a stronger earnings base, although continued growth will depend on loan demand, deposits and fee generation.
Negative Factors
Meaningful Leverage
Regional banking relies on substantial leverage, but the reported debt-to-equity levels leave the group exposed if credit losses rise or funding conditions worsen. Higher leverage can amplify pressure on capital and earnings during a weaker economic cycle.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue expansion indicates improving business activity across the regional banking franchise. The acceleration in 2026 provides a stronger earnings base, although continued growth will depend on loan demand, deposits and fee generation.
Read all positive factors
Daishi Hokuetsu Financial Group, Inc. (7327) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥687.52B
Dividend Yield2.5%
Average Volume (3M)610.04K
Price to Earnings (P/E)14.2
Beta (1Y)1.04
Revenue Growth17.99%
EPS Growth49.43%
CountryJP
Employees3,456
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)179.13
Shares Outstanding275,657,870
10 Day Avg. Volume684,590
30 Day Avg. Volume610,036
Financial Highlights & Ratios
PEG Ratio-0.22
Price to Book (P/B)0.86
Price to Sales (P/S)1.96
P/FCF Ratio23.95
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)194.11
Revenue Forecast (FY)¥112.80B
Daishi Hokuetsu Financial Group, Inc. Business Overview & Revenue Model
Company Description
Operating through its network of subsidiaries, Daishi Hokuetsu Financial Group, Inc., headquartered in Niigata, Japan, delivers a comprehensive suite of banking and financial solutions. Founded in 1873, this institution provides essential services...
How the Company Makes Money
The company makes money primarily through earnings generated at its banking and financial subsidiaries and upstreamed to the holding company. Key revenue streams typically include: (1) Net interest income: interest earned on loans (e.g., corporate...
Daishi Hokuetsu Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
57
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 261.77B | 249.94B | 192.39B | 172.47B | 143.43B | 127.35B |
| Gross Profit | 205.14B | 194.66B | 146.77B | 132.11B | 126.95B | 120.21B |
| EBITDA | 67.26B | 65.47B | 48.20B | 36.84B | 31.91B | 30.30B |
| Net Income | 47.00B | 42.10B | 29.35B | 21.20B | 17.77B | 15.14B |
Balance Sheet | ||||||
| Total Assets | 10.66T | 10.84T | 10.98T | 11.14T | 10.52T | 10.67T |
| Cash, Cash Equivalents and Short-Term Investments | 1.97T | 2.03T | 2.15T | 2.23T | 2.03T | 2.76T |
| Total Debt | 1.03T | 1.32T | 985.86B | 1.18T | 911.18B | 1.36T |
| Total Liabilities | 10.06T | 10.27T | 10.50T | 10.64T | 10.10T | 10.24T |
| Stockholders Equity | 598.37B | 569.44B | 478.86B | 499.88B | 415.42B | 428.46B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 20.46B | 0.00 | 289.30B | -343.80B | 794.86B |
| Operating Cash Flow | 0.00 | 24.15B | 0.00 | 294.42B | -338.48B | 797.68B |
| Investing Cash Flow | 0.00 | 95.37B | 186.55B | -90.17B | -380.78B | -85.51B |
| Financing Cash Flow | 0.00 | -240.28B | -9.43B | -10.51B | -8.05B | -8.94B |
Daishi Hokuetsu Financial Group, Inc. Technical Analysis
Positive
1443.00
Price Trends
2301.70
Positive
2156.26
Positive
1949.47
Positive
Market Momentum
62.06
Negative
64.19
Neutral
65.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7327, the sentiment is Positive. The current price of 1443 is below the 20-day moving average (MA) of 2421.35, below the 50-day MA of 2301.70, and below the 200-day MA of 1949.47, indicating a bullish trend. The MACD of 62.06 indicates Negative momentum. The RSI at 64.19 is Neutral, neither overbought nor oversold. The STOCH value of 65.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7327.
Daishi Hokuetsu Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥629.69B | 14.14 | ― | 2.93% | 28.29% | 57.51% | |
70 Outperform | ¥704.80B | 15.25 | ― | 3.21% | 25.87% | 26.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥687.52B | 14.25 | ― | 3.15% | 17.99% | 49.43% | |
66 Neutral | ¥965.46B | 14.51 | ― | 1.37% | 26.86% | 54.93% | |
63 Neutral | ¥670.43B | 17.99 | 5.05% | 1.80% | 14.57% | 7.83% | |
62 Neutral | ¥611.35B | 17.48 | 5.00% | 2.05% | 19.17% | 14.72% |
* Financial Sector Average
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Daishi Hokuetsu Financial Group, Inc. Corporate Events
Daishi Hokuetsu boosts capital ratios as risk assets decline
Aug 6, 2026
Daishi Hokuetsu Financial Group reported a consolidated capital adequacy ratio of 12.65% under the Japanese domestic standard as of June 30, 2026, up from 12.07% at the end of March. The improvement was driven by growth in owner’s equity to ...
Daishi Hokuetsu Financial Group Lifts FY2027 Earnings Outlook on Rate-Driven Income Boost
Jul 31, 2026
Daishi Hokuetsu Financial Group has revised upward its consolidated earnings forecasts for the second quarter and full year ending March 2027, reflecting stronger-than-expected performance at both group and bank level. Ordinary profit and profit a...
Daishi Hokuetsu lifts profit outlook and dividends on strong quarterly results
Jul 31, 2026
Daishi Hokuetsu Financial Group reported solid earnings for the three months ended June 30, 2026, with ordinary income up 20.6% year on year to ¥69.7 billion and profit attributable to owners of the parent jumping 38.3% to ¥17.7 billion....
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.