ScoreWhy is Hokkoku Financial Holdings, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.09%
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.52% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 13.30%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.52% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 13.30%
4
With a growth in Interest of 1.33%, the company declared Very Positive results in Jun 26
- NET SALES(Q) At JPY 19,388 MM has Grown at 36.5%
- CREDIT DEPOSIT RATIO(HY) Highest at 66.39%
- OPERATING PROFIT(Q) Highest at JPY 6,823 MM
5
With ROA of 0.11%, it has a expensive valuation with a 0.94 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -79.14%, its profits have risen by 56%
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Hokkoku Financial Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Hokkoku Financial Holdings, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Hokkoku Financial Holdings, Inc.
-79.35%
-0.76
101.34%
Japan Nikkei 225
60.14%
2.04
29.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.50%
EBIT Growth (5y)
10.27%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.08%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
0.94
EV to EBIT
17.98
EV to EBITDA
11.97
EV to Capital Employed
0.94
EV to Sales
3.36
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
5.22%
ROE (Latest)
5.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
NET SALES(Q)
At JPY 19,388 MM has Grown at 36.5%
CREDIT DEPOSIT RATIO(HY)
Highest at 66.39%
OPERATING PROFIT(Q)
Highest at JPY 6,823 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.19 %
NET PROFIT(Q)
Highest at JPY 7,628 MM
EPS(Q)
Highest at JPY 33.8
-4What is not working for the Company
INTEREST(9M)
At JPY 15,307 MM has Grown at 56.02%
Here's what is working for Hokkoku Financial Holdings, Inc.
Net Sales
At JPY 19,388 MM has Grown at 36.5%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 6,823 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 35.19 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at JPY 7,628 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 33.8
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 66.39%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Hokkoku Financial Holdings, Inc.
Interest
At JPY 15,307 MM has Grown at 56.02%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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