Hokuhoku Financial Group, Inc. (8377) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Shizuoka Financial Group, Inc.

Nishi-Nippon Financial Holdings, Inc.

Chugin Financial Group, Inc.

Rakuten Bank Ltd.

Hokuhoku Financial Group, Inc.

Gunma Bank, Ltd.

Hirogin Holdings, Inc.

Iyogin Holdings, Inc.

Yamaguchi Financial Group, Inc.

The Hachijuni Bank, Ltd.

SBI Sumishin Net Bank, Ltd.

Why is Hokuhoku Financial Group, Inc. ?

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

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.61% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.50%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.61% 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

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.50%

Positive results in Jun 26

ROCE(HY) Highest at 0.4%
NET SALES(Q) At JPY 54,785 MM has Grown at 16.95%
OPERATING PROFIT(Q) Highest at JPY 24,966 MM

With ROA of 0.21%, it has a fair valuation with a 1.08 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 134.99%, its profits have risen by 51% ; the PEG ratio of the company is 0.3

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Hokuhoku Financial Group, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

No Data Found

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.40%

EBIT Growth (5y)

25.94%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

22.69%

Pledged Shares

Institutional Holding

0.01%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.08

EV to EBIT

-18.45

EV to EBITDA

-16.55

EV to Capital Employed

0.96

EV to Sales

-7.24

PEG Ratio

0.25

Dividend Yield

ROCE (Latest)

-5.21%

ROE (Latest)

8.09%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

21What is working for the Company

ROCE(HY)

Highest at 0.4%

NET SALES(Q)

At JPY 54,785 MM has Grown at 16.95%

OPERATING PROFIT(Q)

Highest at JPY 24,966 MM

OPERATING PROFIT MARGIN(Q)

Highest at 45.57 %

PRE-TAX PROFIT(Q)

Highest at JPY 31,983 MM

NET PROFIT(Q)

Highest at JPY 23,581 MM

EPS(Q)

Highest at JPY 195.65

-6What is not working for the Company

INTEREST(9M)

At JPY 40,654 MM has Grown at 67.13%

ROCE(HY)

Lowest at 0.4%

Here's what is working for Hokuhoku Financial Group, Inc.

Net Sales

At JPY 54,785 MM has Grown at 16.95%

over average net sales of the previous four periods of JPY 46,844.25 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Operating Profit

Highest at JPY 24,966 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (JPY MM)

Operating Profit Margin

Highest at 45.57 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at JPY 31,983 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Pre-Tax Profit

At JPY 31,983 MM has Grown at 59.28%

over average net sales of the previous four periods of JPY 20,080.25 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 23,581 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Net Profit

At JPY 23,581 MM has Grown at 59.37%

over average net sales of the previous four periods of JPY 14,796.51 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 195.65

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Here's what is not working for Hokuhoku Financial Group, Inc.

Interest

At JPY 40,654 MM has Grown at 67.13%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)