Hokkoku Financial Holdings,Inc. AI Stock Analysis
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Hokkoku Financial Holdings,Inc. (7381) AI Stock Analysis
Hokkoku Financial Holdings,Inc.
(TSE/TYO:7381)
Hokkoku Financial Holdings receives a moderate overall score. While top-line income growth is exceptional and the stock trades at an attractive valuation, the score is significantly weighed down by poor cash cash generation, surging debt levels, and bearish technical momentum.
Hokkoku Financial Holdings,Inc. (7381) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 247.13B
- Dividend Yield
- 2.40%
- Average Volume (3M)
- 457.57K
- Price to Earnings (P/E)
- 13.8
- Beta (1Y)
- 1.39
- Revenue Growth
- 49.48%
- EPS Growth
- 75.57%
- Country
- Japan
- Employees
- 1,950
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Hokkoku Financial Holdings,Inc. Business Overview & Revenue Model
Company Description
CCI Group, Inc. operates as a holding company for The Hokkoku Bank,Ltd. that provides various financial services in Japan. It operates through the Banking Business and Leasing Business segments. The Banking Business segment provides banking services,...
How the Company Makes Money
Hokkoku Financial Holdings, Inc. earns money primarily through the operating income generated by its banking subsidiaries and other group companies. Key revenue streams typically include: (1) Net interest income: interest earned on loans and other in...
Hokkoku Financial Holdings,Inc. Financial Statement Overview
Summary
The company displays outstanding income generation with 88.9% revenue growth, but this is offset by rising financial risks, including a surging debt-to-equity ratio of 5.68x and significantly negative operating and free cash flows.
Income Statement
82Very PositiveBalance Sheet
55NeutralCash Flow
35Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 175.26B | 158.13B | 85.06B | 85.96B | 77.98B | 76.84B |
| Gross Profit | 153.98B | 135.85B | 69.57B | 74.18B | 70.83B | 65.35B |
| EBITDA | 21.59B | 24.29B | 11.64B | 16.94B | 18.75B | 20.28B |
| Net Income | 18.20B | 12.63B | 8.12B | 9.05B | 8.74B | 9.39B |
Balance Sheet | ||||||
| Total Assets | 6.15T | 6.54T | 6.39T | 5.76T | 5.60T | 5.71T |
| Cash, Cash Equivalents and Short-Term Investments | 1.27T | 1.39T | 1.65T | 1.58T | 1.35T | 1.61T |
| Total Debt | 1.17T | 1.39T | 585.99B | 448.86B | 578.87B | 794.96B |
| Total Liabilities | 5.88T | 6.28T | 6.17T | 5.51T | 5.37T | 5.45T |
| Stockholders Equity | 266.66B | 244.55B | 212.02B | 244.22B | 229.64B | 256.56B |
Cash Flow | ||||||
| Free Cash Flow | 0 | -17.29B | 0 | 0 | -134.00B | 288.90B |
| Operating Cash Flow | 0 | -6.78B | 0 | 0 | -128.95B | 294.12B |
| Investing Cash Flow | 0 | -371.60B | -412.50B | 51.41B | -117.36B | -149.14B |
| Financing Cash Flow | 0 | 104.18B | 199.38B | 306.37B | -10.42B | -5.70B |
Hokkoku Financial Holdings,Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7381, the sentiment is Neutral. The current price of 1126.00 is above the 20-day moving average (MA) of 1121.10, below the 50-day MA of 1227.62, and above the 200-day MA of 1068.00, indicating a neutral trend. The MACD of -38.63 indicates Negative momentum. The RSI at 47.05 is Neutral, neither overbought nor oversold. The STOCH value of 84.22 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7381.
Hokkoku Financial Holdings,Inc. Peers Comparison
Overall Rating
JP:838682.5Outperform
JP:838876Outperform
JP:833671.9Outperform
JP:854462Neutral- JP:738156Neutral
JP:836754Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8386 | 83Outperform | JPY 324.60B | 13.97 | ― | 2.70% | 21.78% | 44.50% |
| JP:8388 | 76Outperform | JPY 384.83B | 21.24 | ― | 6.09% | 23.28% | 40.80% |
| JP:8336 | 72Outperform | JPY 255.26B | 14.14 | ― | 2.86% | 36.61% | 25.72% |
| JP:8544 | 62Neutral | JPY 273.81B | 16.02 | ― | 2.40% | 24.49% | 29.78% |
| JP:7381 | 56Neutral | JPY 259.12B | 13.76 | ― | 2.40% | 49.48% | 75.57% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:8367 | 54Neutral | JPY 295.89B | 13.29 | ― | 3.14% | 19.76% | 44.98% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7381 | Hokkoku Financial Holdings,Inc. | 1126.00 | 509.28 | 82.58% | |
| JP:8336 | Musashino Bank, Ltd. | 2548.00 | 1118.72 | 78.27% | |
| JP:8367 | Nanto Bank Ltd. | 1786.00 | 766.65 | 75.21% | |
| JP:8386 | Hyakujushi Bank, Ltd. | 2834.00 | 1415.28 | 99.76% | |
| JP:8388 | Awa Bank, Ltd. | 1914.00 | 1155.62 | 152.38% | |
| JP:8544 | Keiyo Bank, Ltd. | 2335.00 | 962.75 | 70.16% |
Hokkoku Financial Holdings,Inc. Corporate Events
CCI Group Reports No Share Repurchases in October
CCI Group, Inc. is listed on the Prime Market of the Tokyo Stock Exchange under code 7381.The company reported that it repurchased no common shares and spent JPY 0 through Tokyo Stock Exchange market purchases during October 1-31, 2026. A December 24...
CCI Group Revamps Medium-Term Strategy With AI Focus and Higher ROE Targets
CCI Group, Inc. has updated its Medium-Term Business Strategy 2026 to a revised plan called 2026 Plus in response to rapid advances in AI and rising interest rates. The company aims to enhance its agility and resilience by implementing three major ma...
CCI Group Lifts Q2 Earnings Forecast on Higher Net Interest Income
CCI Group, Inc., a financial services group listed on Tokyo Stock Exchange’s Prime Market, derives much of its performance from banking operations through The Hokkoku Bank, Ltd. Its earnings are closely linked to net interest income dynamics and tax-...
CCI Group Ups Earnings and Dividend Forecast on Stronger Bank Income
CCI Group, Inc. revised its consolidated earnings forecast for the fiscal year ending March 31, 2027, keeping ordinary profit guidance at ¥26.5 billion but raising profit attributable to owners of parent to ¥19 billion, boosting expected basic earnin...
CCI Group lifts profit outlook and dividends on strong interim earnings
CCI Group reported strong interim results for the six months ended September 30, 2026, with ordinary income rising 32.7% year on year to ¥71.3 billion and profit attributable to owners of parent surging 68.6% to ¥13.7 billion, driving basic earnings...
CCI Group flags ¥9.8 billion unrealized losses at Hokkoku Bank, keeps earnings outlook intact
CCI Group has reported unrealized losses of ¥9,857 million on held-to-maturity securities at its key subsidiary, The Hokkoku Bank, for the six months ended September 30, 2026. The book value of the affected securities stands at ¥171,332 million again...
CCI Group Halts September Buybacks While Using Half of Authorized Repurchase Capacity
CCI Group, Inc. reported that it did not repurchase any of its own common shares during the period from September 1 to September 30, 2026, despite having authorization to conduct buybacks via market purchases on the Tokyo Stock Exchange. The aggregat...
CCI Group Advances Large-Scale Share Buyback on Tokyo Prime Market
CCI Group, Inc. has reported progress on its share repurchase program, buying back 248,300 common shares for approximately JPY 284 million via market purchases on the Tokyo Stock Exchange between August 1 and August 31, 2026. The buyback is conducted...
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: Nov 07, 2026