Want to see JP:8377 full AI Analyst Report?
Top Page
Hokuhoku Financial Group, Inc.
(8377)
Select Model
Select Model
Rating:66Neutral
Price Target:
¥9,279.00
▲(20.29% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by improving financial performance (notably stronger margins and revenue growth) but held back by volatile cash flow and still-elevated leverage. Technicals are supportive with a strong uptrend, though momentum indicators look stretched. Valuation is neutral-to-slightly unattractive due to a mid-level P/E and modest dividend yield.
Positive Factors
Profitability expansion
The sustained increase in net margin indicates stronger earnings conversion and operating profitability. If maintained, this gives the regional banking franchise greater capacity to absorb credit costs, reinvest in services, and build capital internally.
Negative Factors
Volatile cash generation
Large year-to-year cash-flow swings reduce confidence that reported earnings consistently translate into cash generation. Persistent volatility can constrain flexibility for capital allocation, balance-sheet strengthening, and investment even when profitability remains positive.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability expansion
The sustained increase in net margin indicates stronger earnings conversion and operating profitability. If maintained, this gives the regional banking franchise greater capacity to absorb credit costs, reinvest in services, and build capital internally.
Read all positive factors
Hokuhoku Financial Group, Inc. (8377) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥982.06B
Dividend Yield1.34%
Average Volume (3M)390.56K
Price to Earnings (P/E)14.6
Beta (1Y)1.23
Revenue Growth26.86%
EPS Growth54.93%
CountryJP
Employees4,618
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)564.89
Shares Outstanding121,120,120
10 Day Avg. Volume353,840
30 Day Avg. Volume390,563
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)569.8
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 group primarily makes money through its banking subsidiaries by earning net interest income—collecting interest on loans and other interest-earning assets and paying interest on customer deposits and other funding sources, with the spread form...
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. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥713.01B | 15.25 | ― | 3.21% | 25.87% | 26.22% | |
68 Neutral | ¥1.06T | 16.92 | 9.80% | 2.33% | 21.58% | 34.90% | |
67 Neutral | ¥694.68B | 14.20 | ― | 3.15% | 17.99% | 49.43% | |
66 Neutral | ¥982.06B | 14.55 | ― | 1.37% | 26.86% | 54.93% | |
66 Neutral | ¥1.46T | 16.44 | ― | 2.00% | 25.45% | 61.40% | |
62 Neutral | ¥282.18B | 19.58 | ― | 2.00% | 34.41% | 28.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8377
Hokuhoku Financial Group, Inc.
8,228.00
4,569.22
124.88%
JP:8334
Gunma Bank
2,781.50
1,274.01
84.51%
JP:7167
Mebuki Financial Group, Inc.
1,683.50
789.24
88.26%
JP:7327
Daishi Hokuetsu Financial Group, Inc.
2,546.00
1,255.49
97.29%
JP:7337
Hirogin Holdings, Inc.
2,356.00
985.88
71.96%
JP:7381
Hokkoku Financial Holdings,Inc.
1,259.00
660.48
110.35%
Hokuhoku Financial Group, Inc. Corporate Events
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...
Hokuhoku Financial Group Advances Share Buyback, Acquires 710,200 Shares by June End
Jul 1, 2026
Hokuhoku Financial Group has disclosed progress on its share buyback program, reporting the purchase of 357,100 common shares on the Tokyo Stock Exchange between June 1 and June 30, 2026, at a total cost of about ¥2.28 billion. The buyback fo...
Hokuhoku Financial Group to Dispose Treasury Shares for Performance-Linked Stock Plan
Jun 23, 2026
Hokuhoku Financial Group has approved the disposal of 17,945 treasury shares to fund a performance-linked stock compensation plan for its directors and senior executives. The shares, worth about ¥122 million and representing roughly 0.01% of ...
Hokuhoku Financial Group Corrects Capital Data in FY2026 Earnings Disclosure
Jun 15, 2026
Hokuhoku Financial Group has issued a correction to parts of its consolidated financial results for the fiscal year ended March 31, 2026, originally released in May. The revision concerns disclosures in its earnings presentation and highlights, sp...
Hokuhoku Financial Group Reports Early Progress on ¥10 Billion Share Buyback
Jun 1, 2026
Hokuhoku Financial Group has disclosed the initial progress of its share buyback program authorized under Japan’s Companies Act, acquiring 353,100 common shares on the Tokyo Stock Exchange between May 12 and May 31 at a total cost of about &...
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.