Daishi Hokuetsu Financial Group, Inc. (7327) AI Stock Analysis

0 Followers

Daishi Hokuetsu Financial Group, Inc.

(TSE/TYO:7327)

Select Model

Rating:72Outperform

Price Target:JPY 2,375.00▲(4.08% Upside)

Action:reiterated

Date:08/17/26

The overall score of 72 is primarily driven by solid top- and bottom-line growth alongside a strong technical uptrend. A reasonable P/E ratio and steady dividend yield add to its appeal. The main factors capping the score are erratic historical cash flows and relatively low return on equity.

Positive Factors

Revenue and earnings growthSustained revenue expansion alongside more than doubling net income indicates improving business momentum across the regional banking franchise. If maintained, this growth can strengthen internal capital generation, support investment in customer services, and improve earnings capacity over the next several quarters.

Negative Factors

Meaningful leverageElevated leverage leaves the banking group more exposed to deterioration in credit conditions and can reduce financial flexibility during periods of stress. It also means a larger capital base is needed to support existing obligations, potentially constraining lending growth and shareholder returns.

Daishi Hokuetsu Financial Group, Inc. (7327) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 598.90B
Dividend Yield: 3.42%
Average Volume (3M): 1.16M
Price to Earnings (P/E): 12.0
Beta (1Y): 1.14
Revenue Growth: 16.69%
EPS Growth: 33.06%
Country: Japan
Employees: 3,456
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 su...

Daishi Hokuetsu Financial Group, Inc. Financial Statement Overview

Summary

Financial performance reflects an average of strong income generation (85), a stable balance sheet (68), and a volatile cash flow profile (45). The bank shows impressive top- and bottom-line growth, though return on equity and cash generation efficiency remain modest.

Income Statement

85Very Positive

Balance Sheet

68Positive

Cash Flow

45Neutral

Financial statement breakdown
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	31.64B	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	20.46B	0	289.30B	-343.80B	794.86B
Operating Cash Flow	0	24.15B	0	294.42B	-338.48B	797.68B
Investing Cash Flow	0	95.37B	186.55B	-90.17B	-380.78B	-85.51B
Financing Cash Flow	0	-240.28B	-9.43B	-10.51B	-8.05B	-8.94B

Daishi Hokuetsu Financial Group, Inc. Technical Analysis

Technical Analysis SentimentNegative

Last Price2282.00

Price Trends

50DMA2516.58Negative

100DMA2398.19Negative

200DMA2165.15Positive

Market Momentum

MACD-64.80Negative

RSI43.09Neutral

STOCH79.46Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7327, the sentiment is Negative. The current price of 2282.00 is below the 20-day moving average (MA) of 2330.10, below the 50-day MA of 2516.58, and above the 200-day MA of 2165.15, indicating a neutral trend. The MACD of -64.80 indicates Negative momentum. The RSI at 43.09 is Neutral, neither overbought nor oversold. The STOCH value of 79.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7327.

Daishi Hokuetsu Financial Group, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:7327 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8377	79Outperform	JPY 906.87B	12.88	―	9.83%	27.18%	43.35%
JP:7337	74Outperform	JPY 673.01B	12.63	―	3.14%	28.04%	39.40%
JP:7327	72Outperform	JPY 627.82B	11.98	―	3.42%	16.69%	33.06%
JP:7180	72Outperform	JPY 649.81B	16.06	5.05%	2.36%	20.93%	9.02%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:5832	64Neutral	JPY 655.75B	12.19	―	2.91%	34.32%	73.38%
JP:8418	62Neutral	JPY 605.68B	17.13	5.36%	2.58%	22.50%	-7.50%

* Financial Sector Average

Performance Comparison

JP:7327 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7327	Daishi Hokuetsu Financial Group, Inc.	2282.00	826.45	56.78%
JP:7180	Kyushu Financial Group	1480.50	610.53	70.18%
JP:8418	Yamaguchi Financial Group	3098.00	1369.26	79.21%
JP:5832	Chugin Financial Group,Inc.	3573.00	1430.72	66.78%
JP:7337	Hirogin Holdings, Inc.	2212.50	780.25	54.48%
JP:8377	Hokuhoku Financial Group, Inc.	758.10	344.90	83.47%

Daishi Hokuetsu Financial Group, Inc. Corporate Events

Daishi Hokuetsu Sets Record Date for Shareholder Vote on Gunma Bank Integration

Aug 28, 2026

Daishi Hokuetsu Financial Group, Inc. has set September 30, 2026 as the record date to determine which shareholders may exercise voting rights at an Extraordinary General Shareholders Meeting planned for December 23, 2026. The public notice of this r...

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.

Date of analysis: Aug 17, 2026

Daishi Hokuetsu Financial Group, Inc. AI Stock Analysis