Hokuhoku Financial Group, Inc. Logo

Hokuhoku Financial Group, Inc.

8377.T

(1.8)
Stock Price

1.728,50 JPY

0.16% ROA

4.07% ROE

7.67x PER

Market Cap.

193.644.248.558,00 JPY

259.14% DER

3.76% Yield

14.58% NPM

Hokuhoku Financial Group, Inc. Stock Analysis

Hokuhoku Financial Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Hokuhoku Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.35x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (3.41%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.12%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

5 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (13.924) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (444%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Hokuhoku Financial Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Hokuhoku Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Hokuhoku Financial Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Hokuhoku Financial Group, Inc. Revenue
Year Revenue Growth
2004 184.928.000.000
2005 216.991.000.000 14.78%
2006 217.507.000.000 0.24%
2007 220.569.000.000 1.39%
2008 197.564.000.000 -11.64%
2009 191.528.000.000 -3.15%
2010 184.745.000.000 -3.67%
2011 180.727.000.000 -2.22%
2012 174.388.000.000 -3.63%
2013 164.907.000.000 -5.75%
2014 172.333.000.000 4.31%
2015 172.001.000.000 -0.19%
2016 166.470.000.000 -3.32%
2017 159.200.000.000 -4.57%
2018 161.498.000.000 1.42%
2019 162.589.000.000 0.67%
2020 158.841.000.000 -2.36%
2021 160.851.000.000 1.25%
2022 163.748.000.000 1.77%
2023 182.880.000.000 10.46%
2023 166.468.000.000 -9.86%
2024 166.152.000.000 -0.19%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Hokuhoku Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Hokuhoku Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 78.697.000.000
2005 94.083.000.000 16.35%
2006 93.528.000.000 -0.59%
2007 96.743.000.000 3.32%
2008 100.622.000.000 3.86%
2009 106.126.000.000 5.19%
2010 109.580.000.000 3.15%
2011 110.515.000.000 0.85%
2012 106.185.000.000 -4.08%
2013 105.212.000.000 -0.92%
2014 106.048.000.000 0.79%
2015 100.883.000.000 -5.12%
2016 101.411.000.000 0.52%
2017 98.758.000.000 -2.69%
2018 96.090.000.000 -2.78%
2019 94.962.000.000 -1.19%
2020 91.511.000.000 -3.77%
2021 87.273.000.000 -4.86%
2022 83.683.000.000 -4.29%
2023 87.924.000.000 4.82%
2023 87.772.000.000 -0.17%
2024 86.588.000.000 -1.37%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Hokuhoku Financial Group, Inc. EBITDA
Year EBITDA Growth
2004 50.945.000.000
2005 77.294.000.000 34.09%
2006 108.479.000.000 28.75%
2007 110.669.000.000 1.98%
2008 62.326.000.000 -77.56%
2009 66.655.000.000 6.49%
2010 64.102.000.000 -3.98%
2011 62.378.000.000 -2.76%
2012 50.765.000.000 -22.88%
2013 66.811.000.000 24.02%
2014 64.383.000.000 -3.77%
2015 63.076.000.000 -2.07%
2016 53.584.000.000 -17.71%
2017 46.068.000.000 -16.32%
2018 32.289.000.000 -42.67%
2019 28.921.000.000 -11.65%
2020 29.544.000.000 2.11%
2021 31.865.000.000 7.28%
2022 24.562.000.000 -29.73%
2023 39.268.000.000 37.45%
2023 2.685.000.000 -1362.5%
2024 -1.568.000.000 271.24%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Hokuhoku Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2004 184.928.000.000
2005 216.991.000.000 14.78%
2006 217.507.000.000 0.24%
2007 220.569.000.000 1.39%
2008 197.564.000.000 -11.64%
2009 191.528.000.000 -3.15%
2010 184.745.000.000 -3.67%
2011 180.727.000.000 -2.22%
2012 174.388.000.000 -3.63%
2013 164.907.000.000 -5.75%
2014 172.333.000.000 4.31%
2015 172.001.000.000 -0.19%
2016 166.470.000.000 -3.32%
2017 159.200.000.000 -4.57%
2018 161.498.000.000 1.42%
2019 162.589.000.000 0.67%
2020 158.841.000.000 -2.36%
2021 160.851.000.000 1.25%
2022 163.748.000.000 1.77%
2023 182.880.000.000 10.46%
2023 166.468.000.000 -9.86%
2024 174.236.000.000 4.46%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Hokuhoku Financial Group, Inc. Net Profit
Year Net Profit Growth
2004 11.248.000.000
2005 26.837.000.000 58.09%
2006 40.642.000.000 33.97%
2007 38.640.000.000 -5.18%
2008 37.034.000.000 -4.34%
2009 19.212.000.000 -92.76%
2010 18.404.000.000 -4.39%
2011 14.129.000.000 -30.26%
2012 18.105.000.000 21.96%
2013 27.332.000.000 33.76%
2014 28.235.000.000 3.2%
2015 28.837.000.000 2.09%
2016 28.157.000.000 -2.42%
2017 21.191.000.000 -32.87%
2018 24.359.000.000 13.01%
2019 20.252.000.000 -20.28%
2020 21.334.000.000 5.07%
2021 20.526.000.000 -3.94%
2022 21.435.000.000 4.24%
2023 46.216.000.000 53.62%
2023 23.048.000.000 -100.52%
2024 29.836.000.000 22.75%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Hokuhoku Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 69
2005 183 62.84%
2006 279 34.41%
2007 258 -8.14%
2008 249 -3.61%
2009 127 -97.62%
2010 121 -5%
2011 90 -33.33%
2012 122 25.62%
2013 192 36.98%
2014 199 3.03%
2015 203 2.46%
2016 201 -1%
2017 149 -34.9%
2018 173 13.87%
2019 143 -21.83%
2020 152 6.58%
2021 147 -3.4%
2022 159 7.55%
2023 0 0%
2023 177 100%
2024 240 26.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Hokuhoku Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2004 294.091.000.000
2005 -73.000.000 402964.38%
2006 -288.308.000.000 99.97%
2007 16.467.000.000 1850.82%
2008 134.901.000.000 87.79%
2009 343.852.000.000 60.77%
2010 364.364.000.000 5.63%
2011 48.616.000.000 -649.47%
2012 206.924.000.000 76.51%
2013 246.445.000.000 16.04%
2014 362.139.000.000 31.95%
2015 31.548.000.000 -1047.9%
2016 598.874.000.000 94.73%
2017 139.377.000.000 -329.68%
2018 35.710.000.000 -290.3%
2019 209.019.000.000 82.92%
2020 2.603.362.000.000 91.97%
2021 452.614.000.000 -475.18%
2022 -1.473.840.000.000 130.71%
2023 0 0%
2023 -97.270.000.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Hokuhoku Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2004 296.172.000.000
2005 3.236.000.000 -9052.41%
2006 -272.550.000.000 101.19%
2007 34.607.000.000 887.56%
2008 149.296.000.000 76.82%
2009 354.037.000.000 57.83%
2010 374.126.000.000 5.37%
2011 61.477.000.000 -508.56%
2012 211.196.000.000 70.89%
2013 251.285.000.000 15.95%
2014 367.321.000.000 31.59%
2015 38.088.000.000 -864.4%
2016 608.869.000.000 93.74%
2017 149.389.000.000 -307.57%
2018 41.614.000.000 -258.99%
2019 213.741.000.000 80.53%
2020 2.608.220.000.000 91.81%
2021 462.413.000.000 -464.05%
2022 -1.466.582.000.000 131.53%
2023 0 0%
2023 -74.422.000.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Hokuhoku Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2004 2.081.000.000
2005 3.309.000.000 37.11%
2006 15.758.000.000 79%
2007 18.140.000.000 13.13%
2008 14.395.000.000 -26.02%
2009 10.185.000.000 -41.34%
2010 9.762.000.000 -4.33%
2011 12.861.000.000 24.1%
2012 4.272.000.000 -201.05%
2013 4.840.000.000 11.74%
2014 5.182.000.000 6.6%
2015 6.540.000.000 20.76%
2016 9.995.000.000 34.57%
2017 10.012.000.000 0.17%
2018 5.904.000.000 -69.58%
2019 4.722.000.000 -25.03%
2020 4.858.000.000 2.8%
2021 9.799.000.000 50.42%
2022 7.258.000.000 -35.01%
2023 0 0%
2023 22.848.000.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Hokuhoku Financial Group, Inc. Equity
Year Equity Growth
2004 381.189.000.000
2005 406.465.000.000 6.22%
2006 457.331.000.000 11.12%
2007 454.428.000.000 -0.64%
2008 441.664.000.000 -2.89%
2009 412.324.000.000 -7.12%
2010 426.658.000.000 3.36%
2011 450.560.000.000 5.3%
2012 481.548.000.000 6.44%
2013 505.124.000.000 4.67%
2014 572.985.000.000 11.84%
2015 566.249.000.000 -1.19%
2016 585.236.000.000 3.24%
2017 610.145.000.000 4.08%
2018 628.002.000.000 2.84%
2019 595.319.000.000 -5.49%
2020 638.503.000.000 6.76%
2021 622.845.000.000 -2.51%
2022 612.210.000.000 -1.74%
2023 617.610.000.000 0.87%
2023 664.933.000.000 7.12%
2024 654.623.000.000 -1.57%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Hokuhoku Financial Group, Inc. Assets
Year Assets Growth
2004 9.398.673.000.000
2005 9.535.627.000.000 1.44%
2006 9.638.142.000.000 1.06%
2007 9.567.964.000.000 -0.73%
2008 9.929.086.000.000 3.64%
2009 10.107.208.000.000 1.76%
2010 10.585.054.000.000 4.51%
2011 10.629.316.000.000 0.42%
2012 10.979.231.000.000 3.19%
2013 11.114.807.000.000 1.22%
2014 11.683.001.000.000 4.86%
2015 11.630.328.000.000 -0.45%
2016 12.429.425.000.000 6.43%
2017 12.996.292.000.000 4.36%
2018 13.185.972.000.000 1.44%
2019 13.644.861.000.000 3.36%
2020 16.635.471.000.000 17.98%
2021 17.280.071.000.000 3.73%
2022 16.172.700.000.000 -6.85%
2023 16.259.976.000.000 0.54%
2023 16.382.886.000.000 0.75%
2024 16.698.035.000.000 1.89%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Hokuhoku Financial Group, Inc. Liabilities
Year Liabilities Growth
2004 9.017.484.000.000
2005 9.129.162.000.000 1.22%
2006 9.180.811.000.000 0.56%
2007 9.113.536.000.000 -0.74%
2008 9.487.422.000.000 3.94%
2009 9.694.884.000.000 2.14%
2010 10.158.396.000.000 4.56%
2011 10.178.756.000.000 0.2%
2012 10.497.683.000.000 3.04%
2013 10.609.683.000.000 1.06%
2014 11.110.016.000.000 4.5%
2015 11.064.079.000.000 -0.42%
2016 11.844.189.000.000 6.59%
2017 637.824.000.000 -1756.97%
2018 12.557.970.000.000 94.92%
2019 13.049.542.000.000 3.77%
2020 15.996.968.000.000 18.42%
2021 16.657.226.000.000 3.96%
2022 1.670.951.000.000 -896.87%
2023 1.482.267.000.000 -12.73%
2023 15.717.954.000.000 90.57%
2024 1.397.953.000.000 -1024.35%

Hokuhoku Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1428.84
Net Income per Share
208.37
Price to Earning Ratio
7.67x
Price To Sales Ratio
1.09x
POCF Ratio
24.35
PFCF Ratio
23.68
Price to Book Ratio
0.31
EV to Sales
-19.59
EV Over EBITDA
-233.57
EV to Operating CashFlow
-426.47
EV to FreeCashFlow
-426.47
Earnings Yield
0.13
FreeCashFlow Yield
0.04
Market Cap
193,64 Bil.
Enterprise Value
-3.487,68 Bil.
Graham Number
4947.08
Graham NetNet
29538.48

Income Statement Metrics

Net Income per Share
208.37
Income Quality
0.31
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.88
EBT Per Ebit
0.99
Ebit per Revenue
0.17
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0.49
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.01
Operating Profit Margin
0.17
Pretax Profit Margin
0.17
Net Profit Margin
0.15

Dividends

Dividend Yield
0.04
Dividend Yield %
3.76
Payout Ratio
0
Dividend Per Share
60

Operating Metrics

Operating Cashflow per Share
65.62
Free CashFlow per Share
65.62
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
40.755,47
Book Value per Share
122.765,77
Tangible Book Value per Share
122690.61
Shareholders Equity per Share
5220.07
Interest Debt per Share
13640.96
Debt to Equity
2.59
Debt to Assets
0.1
Net Debt to EBITDA
-246.54
Current Ratio
14.4
Tangible Asset Value
15.290,72 Bil.
Net Current Asset Value
3.681,33 Bil.
Invested Capital
4846020000000
Working Capital
4.726,58 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
8.71

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Hokuhoku Financial Group, Inc. Dividends
Year Dividends Growth
2004 1
2005 2 0%
2006 2 0%
2007 2 50%
2008 3 0%
2009 3 33.33%
2010 4 0%
2011 4 0%
2012 4 0%
2013 4 0%
2014 4 25%
2015 4 0%
2016 4 0%
2017 44 90.91%
2018 44 0%
2019 44 0%
2020 40 -10%
2021 35 -14.29%
2022 35 0%
2023 37 5.41%
2024 60 38.33%
2025 0 0%

Hokuhoku Financial Group, Inc. Profile

About Hokuhoku Financial Group, Inc.

Hokuhoku Financial Group, Inc., through its subsidiaries, provides various banking products and services to individuals, and small and medium-sized enterprises. The company offers various deposit products, including current, ordinary, savings, time, and installment savings, as well as deposits at notice and negotiable certificates of deposit; loans on bills and deeds; overdrafts; bills discounted; and loan products. It also provides a range of services, including leases, credit cards, loan guarantees, and venture capital. In addition, the company engages in software development; document management; concentrated business processing; and cash management activities, as well as research on regional economy, survey research, and consulting services. As of June 30, 2021, it operated 332 branches in Japan and 8 representative offices internationally. The company was incorporated in 2003 and is headquartered in Toyama, Japan.

CEO
Mr. Hiroshi Nakazawa
Employee
4.580
Address
1-2-26, Tsutsumicho-dori
Toyama, 930-8637

Hokuhoku Financial Group, Inc. Executives & BODs

Hokuhoku Financial Group, Inc. Executives & BODs
# Name Age
1 Mr. Yoshimasa Takada
Deputy Head of Sales Strategy, DX & SX Promotion Department and Director
70
2 Mr. Yoshikazu Sakamoto
Managing Executive Officer & Director
70
3 Tsuyoshi Tatsushima
Operating Officer
70
4 Mr. Yuji Kanema
Deputy President & Director
70
5 Mr. Hiroshi Nakazawa
President & Representative Director
70
6 Taro Nishino
Operating Officer & Director
70
7 Shigeru Urasaki
Operating Officer
70
8 Mr. Hirokuni Kitagawa
IR Contact & Director
70
9 Tetsuya Yamazaki
Operating Officer
70
10 Tsuyoshi Sasaki
Operating Officer
70

Hokuhoku Financial Group, Inc. Competitors