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Hokkoku Financial Holdings,Inc.
(7381)
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Rating:62Neutral
Price Target:
¥1,449.00
▲(127.83% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by mixed fundamentals—steady profitability and a 2026 revenue surge are offset by elevated leverage and very inconsistent/negative cash flow. Technicals are a key positive with a clear uptrend and supportive momentum, while valuation is neutral-to-slightly supportive (mid P/E and modest dividend yield).
Positive Factors
Strong Revenue and EPS Growth
The combination of strong revenue and EPS growth indicates improved operating performance and earnings conversion. If the expanded activity is maintained, it can strengthen the group’s ability to reinvest in banking services, support customers, and build earnings capacity over the next several quarters.
Negative Factors
Elevated and Rising Leverage
High leverage reduces financial flexibility and leaves less balance-sheet capacity to absorb weaker conditions or fund new initiatives. The sharp 2026 debt increase adds to the concern, while relatively stable equity means capital has not expanded materially with the balance sheet.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue and EPS Growth
The combination of strong revenue and EPS growth indicates improved operating performance and earnings conversion. If the expanded activity is maintained, it can strengthen the group’s ability to reinvest in banking services, support customers, and build earnings capacity over the next several quarters.
Read all positive factors
Hokkoku Financial Holdings,Inc. (7381) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥309.09B
Dividend Yield1.97%
Average Volume (3M)384.26K
Price to Earnings (P/E)20.8
Beta (1Y)1.29
Revenue Growth34.41%
EPS Growth28.29%
CountryJP
Employees1,950
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)64.45
Shares Outstanding229,085,820
10 Day Avg. Volume376,290
30 Day Avg. Volume384,260
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.86
Price to Sales (P/S)1.33
P/FCF Ratio-12.14
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)N/A
Revenue Forecast (FY)N/A
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 servic...
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...
Hokkoku Financial Holdings,Inc. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
52
Neutral
Cash Flow
30
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 156.97B | 158.13B | 85.06B | 85.96B | 77.98B | 76.84B |
| Gross Profit | 137.30B | 135.85B | 69.57B | 74.18B | 70.83B | 65.35B |
| EBITDA | 17.33B | 23.02B | 11.64B | 16.94B | 18.75B | 20.28B |
| Net Income | 14.45B | 12.63B | 8.12B | 9.05B | 8.74B | 9.39B |
Balance Sheet | ||||||
| Total Assets | 6.49T | 6.54T | 6.39T | 5.76T | 5.60T | 5.71T |
| Cash, Cash Equivalents and Short-Term Investments | 1.50T | 1.39T | 1.65T | 1.58T | 1.35T | 1.61T |
| Total Debt | 1.33T | 1.39T | 585.99B | 448.86B | 578.87B | 794.96B |
| Total Liabilities | 6.22T | 6.28T | 6.17T | 5.51T | 5.37T | 5.45T |
| Stockholders Equity | 263.70B | 244.55B | 212.02B | 244.22B | 229.64B | 256.56B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -17.29B | 0.00 | 0.00 | -134.00B | 288.90B |
| Operating Cash Flow | 0.00 | -6.78B | 0.00 | 0.00 | -128.95B | 294.12B |
| Investing Cash Flow | 0.00 | -371.60B | -412.50B | 51.41B | -117.36B | -149.14B |
| Financing Cash Flow | 0.00 | 104.18B | 199.38B | 306.37B | -10.42B | -5.70B |
Hokkoku Financial Holdings,Inc. Technical Analysis
Positive
636.00
Price Trends
1225.19
Positive
1117.16
Positive
1008.81
Positive
Market Momentum
42.21
Negative
64.64
Neutral
69.45
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7381, the sentiment is Positive. The current price of 636 is below the 20-day moving average (MA) of 1298.28, below the 50-day MA of 1225.19, and below the 200-day MA of 1008.81, indicating a bullish trend. The MACD of 42.21 indicates Negative momentum. The RSI at 64.64 is Neutral, neither overbought nor oversold. The STOCH value of 69.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7381.
Hokkoku Financial Holdings,Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥287.82B | 17.78 | ― | 2.43% | 30.51% | 18.50% | |
69 Neutral | ¥367.13B | 17.88 | ― | 2.04% | 22.23% | 45.07% | |
65 Neutral | ¥434.33B | 24.28 | ― | 1.64% | 23.28% | 40.80% | |
62 Neutral | ¥309.09B | 20.76 | ― | 1.97% | 34.41% | 28.29% | |
62 Neutral | ¥336.03B | 19.31 | ― | 1.88% | 19.41% | 60.52% | |
57 Neutral | ¥336.39B | 17.50 | ― | 2.52% | 12.74% | 38.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7381
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Hokkoku Financial Holdings,Inc. Corporate Events
CCI Group Advances Large-Scale Share Buyback on Tokyo Prime Market
Sep 11, 2026
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 conduc...
CCI Group Reports Continued Progress on Large-Scale Share Buyback Program
Aug 7, 2026
CCI Group, Inc. reported progress on its ongoing share buyback program, disclosing that it repurchased 1,180,200 shares of common stock for approximately JPY 1.30 billion through market purchases on the Tokyo Stock Exchange between July 1 and July...
CCI Group Posts Mixed Quarterly Results but Affirms Dividend and Profit Outlook
Jul 30, 2026
CCI Group, Inc. reported consolidated ordinary income of ¥27,884 million for the three months ended June 30, 2026, an 8 percent year-on-year increase, while ordinary profit fell 13.5 percent to ¥7,213 million. Profit attributable to owne...
CCI Group Subsidiary Hokkoku Bank Books ¥7.4 Billion Unrealized Securities Loss
Jul 24, 2026
CCI Group, Inc. reported that its key subsidiary Hokkoku Bank recorded unrealized losses of ¥7.4 billion on held-to-maturity securities for the three months ended June 30, 2026, against a book value of ¥171.2 billion and a market value o...
CCI Group Completes Restricted Stock Treasury Disposal to Directors and Staff
Jul 10, 2026
CCI Group, Inc., a Tokyo Stock Exchange Prime Market-listed financial and corporate services firm, is led by President Shuji Tsuemura and emphasizes structured corporate governance through its directors, executive officers and employees. The compa...
CCI Group Advances Large-Scale Share Buyback Program
Jul 10, 2026
CCI Group, Inc. reported progress on its ongoing share buyback program, disclosing that it repurchased 531,700 common shares for approximately JPY 539.3 million via market purchases on the Tokyo Stock Exchange between June 1 and June 30, 2026. Thi...
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.