ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hokuhoku Financial Group, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.11%
- The bank has been able to generate a Return on Assets (avg) of 0.11% signifying low profitability per unit of total assets
2
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 14.00%
- 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 0.11% signifying low profitability per unit of total assets
3
The company has declared Positive results for the last 3 consecutive quarters
- ROCE(HY) Highest at 0.31%
- NET PROFIT(9M) Higher at JPY 44,849.79 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 74.99%
4
With ROA of 0.23%, it has a very attractive valuation with a 0.53 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 126.17%, its profits have risen by 70% ; the PEG ratio of the company is 0.1
Real-Time Research ReportHow 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 StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.80%
EBIT Growth (5y)
7.70%
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
16.05%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.53
EV to EBIT
-42.79
EV to EBITDA
-34.00
EV to Capital Employed
1.29
EV to Sales
-10.11
PEG Ratio
0.12
Dividend Yield
NA
ROCE (Latest)
-3.01%
ROE (Latest)
5.97%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.31%
NET PROFIT(9M)
Higher at JPY 44,849.79 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 74.99%
NET SALES(Q)
At JPY 45,478 MM has Grown at 13.4%
-7What is not working for the Company
INTEREST(9M)
At JPY 32,119 MM has Grown at 83.32%
ROCE(HY)
Lowest at 0.31%
CASH AND EQV(HY)
Lowest at JPY 7,457,420 MM
Here's what is working for Hokuhoku Financial Group, Inc.
Net Profit
At JPY 44,849.79 MM has Grown at 52.82%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
At JPY 45,478 MM has Grown at 13.4%
over average net sales of the previous four periods of JPY 40,105 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 74.99%
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 (%)
Net Profit
Higher at JPY 44,849.79 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (JPY MM)
Depreciation
Highest at JPY 2,183 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Hokuhoku Financial Group, Inc.
Interest
At JPY 32,119 MM has Grown at 83.32%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 7,457,420 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
