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Hokuhoku Financial Group, Inc. (8377) AI Stock Analysis
Hokuhoku Financial Group, Inc.
(TSE/TYO:8377)
The company's robust financial performance, highlighted by strong revenue growth and a fortified balance sheet, is the primary driver of the score. Positive technical trends and an attractive valuation, particularly the high dividend yield, provide additional support.
Hokuhoku Financial Group, Inc. (8377) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 897.10B
- Dividend Yield
- 18.68%
- Average Volume (3M)
- 4.78M
- Price to Earnings (P/E)
- 13.3
- Beta (1Y)
- 1.35
- Revenue Growth
- 26.86%
- EPS Growth
- 54.93%
- Country
- Japan
- Employees
- 4,618
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
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 primarily...
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 inte...
Hokuhoku Financial Group, Inc. Financial Statement Overview
Summary
Strong financial health driven by 23% revenue growth, expanding margins (net profit margin 22.1%), and a significantly improved debt-to-equity ratio of 1.98. Cash flow is recovering with positive momentum, though conversion remains moderate.
Income Statement
85Very PositiveBalance Sheet
80PositiveCash Flow
70Positive| 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 | 35.44B | 235.34B | 0 | -1.47T | 452.61B |
| Operating Cash Flow | 0 | 48.88B | 241.29B | 0 | -1.47T | 462.41B |
| Investing Cash Flow | 0 | -44.41B | -1.55T | 131.36B | 367.72B | -82.65B |
| Financing Cash Flow | 0 | 350.69B | -48.70B | 344.53B | -10.98B | -14.49B |
Hokuhoku Financial Group, Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8377, the sentiment is Neutral. The current price of 749.40 is below the 20-day moving average (MA) of 783.33, below the 50-day MA of 808.86, and above the 200-day MA of 675.19, indicating a neutral trend. The MACD of -25.55 indicates Positive momentum. The RSI at 44.39 is Neutral, neither overbought nor oversold. The STOCH value of 78.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8377.
Hokuhoku Financial Group, Inc. Peers Comparison
Overall Rating
- JP:837779Outperform
JP:833478Outperform
JP:733770.2Outperform
JP:732768Neutral
JP:716766Neutral
JP:738162Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8377 | 79Outperform | JPY 896.46B | 13.27 | ― | 18.68% | 26.86% | 54.93% |
| JP:8334 | 78Outperform | JPY 991.46B | 15.80 | 10.16% | 2.57% | 21.58% | 34.90% |
| JP:7337 | 70Outperform | JPY 666.93B | 14.20 | ― | 3.01% | 25.87% | 26.22% |
| JP:7327 | 68Neutral | JPY 650.93B | 13.21 | ― | 3.21% | 17.99% | 49.43% |
| JP:7167 | 66Neutral | JPY 1.30T | 14.63 | ― | 2.53% | 25.45% | 61.40% |
| JP:7381 | 62Neutral | JPY 255.50B | 17.53 | ― | 2.39% | 49.48% | 75.57% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:8377 | Hokuhoku Financial Group, Inc. | 749.40 | 378.76 | 102.19% | |
| JP:8334 | Gunma Bank | 2605.00 | 1043.72 | 66.85% | |
| JP:7167 | Mebuki Financial Group, Inc. | 1501.50 | 563.83 | 60.13% | |
| JP:7327 | Daishi Hokuetsu Financial Group, Inc. | 2366.00 | 924.98 | 64.19% | |
| JP:7337 | Hirogin Holdings, Inc. | 2192.50 | 797.07 | 57.12% | |
| JP:7381 | Hokkoku Financial Holdings,Inc. | 1130.00 | 485.91 | 75.44% |
Hokuhoku Financial Group, Inc. Corporate Events
Hokuhoku Financial Raises Earnings and Dividend Forecasts
Hokuhoku Financial Group is a Japan-based regional financial institution whose operations center on banking, deposits, lending, securities-related income and other financial services, primarily serving customers in the Hokuriku region.The company ann...
Hokuhoku Financial Group Completes Share Buyback and Plans Major Cancellation After Stock Split
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, acqui...
Hokuhoku Financial Group Nears Completion of ¥10 Billion Share Buyback Program
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 com...
Hokuhoku Financial Group Strengthens Capital Adequacy Ratios in First Quarter of FY2027
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 gr...
Hokuhoku Financial Group Advances Share Buyback Program
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 for...
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: Oct 02, 2026