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Hokuhoku Financial Group, Inc.
(8377)
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Rating:69Neutral
Price Target:
¥966.00
▼(-87.48% Downside)
Action:Downgraded
Date:10/02/26
The score is driven primarily by improving profitability and strong recent revenue growth, supported by bullish technical trends (price above key moving averages and positive MACD). These positives are tempered by weak financial quality signals—especially highly volatile cash flow—and ongoing balance-sheet leverage despite recent improvement. Valuation is a net positive, aided by a mid-range P/E and an unusually high dividend yield.
Positive Factors
Profitability Improvement
The substantial margin expansion indicates stronger earnings conversion and improved operating profitability. If maintained, higher margins can strengthen internal capital generation, support investment across regional banking services, and improve resilience over the next several quarters.
Negative Factors
Volatile Cash Generation
Large year-to-year swings in operating cash flow reduce confidence that accounting earnings consistently convert into cash. Persistent variability could complicate capital planning and limit management’s ability to fund growth, distributions, or balance-sheet support from internally generated funds.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Improvement
The substantial margin expansion indicates stronger earnings conversion and improved operating profitability. If maintained, higher margins can strengthen internal capital generation, support investment across regional banking services, and improve resilience over the next several quarters.
Read all positive factors
Hokuhoku Financial Group, Inc. (8377) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥997.72B
Dividend Yield16.98%
Average Volume (3M)4.70M
Price to Earnings (P/E)14.8
Beta (1Y)1.31
Revenue Growth26.86%
EPS Growth54.93%
CountryJP
Employees4,618
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)56.49
Shares Outstanding1,211,201,200
10 Day Avg. Volume6,545,890
30 Day Avg. Volume4,697,096
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)53.81
Revenue Forecast (FY)¥359.40B
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 earnings generated by its consolidated financial subsidiaries (centered on banking). Key revenue streams include: (1) Net interest income: interest earned on loans and other interest-bearing assets minus i...
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 | 291.91B | 266.44B | 202.80B | 156.23B | 138.32B | 164.88B |
| Gross Profit | 240.30B | 227.05B | 170.48B | 143.19B | 127.54B | 150.02B |
| EBITDA | 91.89B | 88.37B | 62.16B | 33.91B | 33.82B | 42.02B |
| Net Income | 68.26B | 58.90B | 39.07B | 23.05B | 21.43B | 20.53B |
Balance Sheet | ||||||
| Total Assets | 17.22T | 16.96T | 16.44T | 16.38T | 16.17T | 17.28T |
| Cash, Cash Equivalents and Short-Term Investments | 3.88T | 3.58T | 3.19T | 4.55T | 4.36T | 5.47T |
| Total Debt | 1.33T | 1.44T | 1.50T | 1.69T | 1.67T | 3.24T |
| Total Liabilities | 16.47T | 16.23T | 15.78T | 15.72T | 15.56T | 16.66T |
| Stockholders Equity | 753.61B | 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
7714.00
Price Trends
820.00
Positive
751.50
Positive
656.12
Positive
Market Momentum
9.94
Positive
46.84
Neutral
9.03
Positive
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 7714 is above the 20-day moving average (MA) of 849.72, above the 50-day MA of 820.00, and above the 200-day MA of 656.12, indicating a neutral trend. The MACD of 9.94 indicates Positive momentum. The RSI at 46.84 is Neutral, neither overbought nor oversold. The STOCH value of 9.03 is Positive, 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥1.41T | 16.16 | ― | 2.33% | 25.45% | 61.40% | |
70 Outperform | ¥700.69B | 15.30 | ― | 2.87% | 25.87% | 26.22% | |
69 Neutral | ¥997.72B | 14.82 | ― | 16.98% | 26.86% | 54.93% | |
68 Neutral | ¥1.11T | 17.92 | 10.16% | 2.30% | 21.58% | 34.90% | |
67 Neutral | ¥707.06B | 14.71 | ― | 2.96% | 17.99% | 49.43% | |
62 Neutral | ¥282.63B | 19.52 | ― | 2.16% | 34.41% | 28.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Hokuhoku Financial Group, Inc. Corporate Events
Hokuhoku Financial Group Completes Share Buyback and Plans Major Cancellation After Stock Split
Sep 11, 2026
Hokuhoku Financial Group, Inc. has completed a share repurchase program authorized by its board in May 2026, buying back 1,414,500 common shares for just under 10 billion yen via market purchases on the Tokyo Stock Exchange. The latest tranche, ac...
Hokuhoku Financial Group Nears Completion of ¥10 Billion Share Buyback Program
Sep 1, 2026
Hokuhoku Financial Group, Inc. disclosed the latest progress of its share buyback program, conducted under provisions of the Companies Act allowing acquisition of its own shares. Between August 1 and August 31, 2026, the group repurchased 219,300 ...
Hokuhoku Financial Group Strengthens Capital Adequacy Ratios in First Quarter of FY2027
Aug 7, 2026
Hokuhoku Financial Group reported an improvement in its consolidated capital adequacy ratio under the domestic standard to 10.05% as of June 30, 2026, up from 9.79% at the end of March, supported by higher capital of ¥627.1 billion and modest...
Hokuhoku Financial Group Advances Share Buyback Program
Aug 3, 2026
Hokuhoku Financial Group has reported progress on its ongoing share buyback program, acquiring 405,600 common shares on the Tokyo Stock Exchange between July 1 and July 31, 2026, at a total cost of approximately ¥3.0 billion. These purchases ...
Hokuhoku Financial Group Books ¥2.7 Billion Bargain Purchase Gain from Tech Affiliate
Jul 29, 2026
Hokuhoku Financial Group, Inc. has reported that its subsidiary Hokuriku Bank, Ltd. acquired shares in Hokuriku Computer Service Co., Ltd., making the firm an equity-method affiliate as of April 1, 2026. This transaction led the group to recognize...
Hokuhoku Financial Group Posts Strong Q1 Results and Plans 10-for-1 Stock Split
Jul 29, 2026
Hokuhoku Financial Group reported strong consolidated results for the three months ended June 30, 2026, with ordinary income, ordinary profits and net income attributable to owners of the parent all rising sharply year-on-year, driving comprehensi...
Hokuhoku Financial Group Unveils Ten-for-One Stock Split and Expanded Shareholder Perks
Jul 24, 2026
Hokuhoku Financial Group will implement a ten-for-one share split of its common stock effective October 1, 2026, aimed at lowering its investment unit price, improving liquidity, and broadening its investor base. In conjunction, the company will i...
Hokuhoku Financial Group Completes Disposal of Treasury Shares for Performance-Linked Plan
Jul 23, 2026
Hokuhoku Financial Group has completed payment procedures for the disposal of 17,945 treasury shares under its performance-linked stock compensation plan, following a resolution by its board of directors in June 2026. The shares, priced at 6,814 y...
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.