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

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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 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 0.09% signifying low profitability per unit of total assets

With a growth in Operating Profit of 21.67%, the company declared Very Positive results in Mar 26

ROCE(HY) Highest at 0.35%
NII(Q) Highest at JPY 41,096 MM
NET PROFIT(9M) Higher at JPY 44,924.23 MM

With ROA of 0.22%, it has a fair valuation with a 1.05 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 152.51%, its profits have risen by 70% ; 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)

4.80%

EBIT Growth (5y)

13.99%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

16.05%

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

1.05

EV to EBIT

-29.98

EV to EBITDA

-25.09

EV to Capital Employed

0.97

EV to Sales

-9.41

PEG Ratio

0.26

Dividend Yield

ROCE (Latest)

-3.25%

ROE (Latest)

5.55%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bullish

OBV

No Trend

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

15What is working for the Company

ROCE(HY)

Highest at 0.35%

NII(Q)

Highest at JPY 41,096 MM

NET PROFIT(9M)

Higher at JPY 44,924.23 MM

DIVIDEND PER SHARE(HY)

Highest at JPY 0

NET SALES(Q)

Highest at JPY 54,811 MM

-8What is not working for the Company

INTEREST(9M)

At JPY 36,305 MM has Grown at 77.31%

ROCE(HY)

Lowest at 0.35%

OPERATING PROFIT(Q)

Lowest at JPY 5,266 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 9.61 %

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

Net Sales

At JPY 54,811 MM has Grown at 27.42%

over average net sales of the previous four periods of JPY 43,015.25 MM

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

NII

Highest at JPY 41,096 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

Highest at JPY 54,811 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Dividend per share

Highest at JPY 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Net Profit

Higher at JPY 44,924.23 MM

than preceding 12 month period ended Mar 2026

MOJO 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 2,241 MM

in the last five periods

MOJO 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 36,305 MM has Grown at 77.31%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Operating Profit

Lowest at JPY 5,266 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (JPY MM)

Operating Profit Margin

Lowest at 9.61 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Non Operating Income

Highest at JPY 0.72 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income