ScoreWhy is Hokkoku Financial Holdings, Inc. ?
1
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 2.10%
- 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
2
Poor long term growth as Net profit has grown by an annual rate of 2.10%
3
Positive results in Mar 26
- NET PROFIT(HY) At JPY 5,468.98 MM has Grown at 121.94%
- ROCE(HY) Highest at 0.2%
- NII(Q) Highest at JPY 17,833 MM
4
With ROA of 0.11%, it has a fair valuation with a 0.90 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 -79.50%, its profits have fallen by -10%
- 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.
-79.5%
-0.81
100.41%
Japan Nikkei 225
75.22%
3.09
27.80%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.00%
EBIT Growth (5y)
-1.52%
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
33.80%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
28
Industry P/E
Price to Book Value
0.90
EV to EBIT
55.95
EV to EBITDA
35.00
EV to Capital Employed
0.94
EV to Sales
8.94
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
1.68%
ROE (Latest)
3.18%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NET PROFIT(HY)
At JPY 5,468.98 MM has Grown at 121.94%
ROCE(HY)
Highest at 0.2%
NII(Q)
Highest at JPY 17,833 MM
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 22,959 MM
-15What is not working for the Company
INTEREST(9M)
At JPY 14,003 MM has Grown at 76.52%
ROCE(HY)
Lowest at 0.2%
CASH AND EQV(HY)
Lowest at JPY 2,332,834 MM
OPERATING PROFIT(Q)
Lowest at JPY -48,657 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -211.93 %
PRE-TAX PROFIT(Q)
Lowest at JPY 592 MM
NET PROFIT(Q)
Lowest at JPY 368 MM
EPS(Q)
Lowest at JPY -2.46
Here's what is working for Hokkoku Financial Holdings, Inc.
Net Sales
At JPY 22,959 MM has Grown at 65.02%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 17,833 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 22,959 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Depreciation
Highest at JPY 2,757 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Depreciation
At JPY 2,757 MM has Grown at 83.92%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (JPY MM)
Here's what is not working for Hokkoku Financial Holdings, Inc.
Interest
At JPY 14,003 MM has Grown at 76.52%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Net Profit
At JPY 368 MM has Fallen at -71.18%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Operating Profit
Lowest at JPY -48,657 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -211.93 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY 592 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY 368 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY -2.46
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Cash and Eqv
Lowest at JPY 2,332,834 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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