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Hokuhoku Financial Group, Inc. logo

Hokuhoku Financial Group, Inc.

8377.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥7,982

−¥59.00 · -0.73%

Aug 24, 1:23 PM JST

8377.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Headquartered in Toyama, Japan, and established in 2003, Hokuhoku Financial Group, Inc. operates as a diversified financial institution. Through its various subsidiaries, the group delivers a broad spectrum of banking products and services primarily to individual customers and small to medium-sized enterprises. Its core offerings encompass diverse deposit accounts—such as checking, ordinary, savings, term, and installment options, alongside notice deposits and negotiable certificates of deposit—as well as a comprehensive range of credit facilities, including loans secured by bills and deeds, overdrafts, and discounted bills. Beyond conventional banking, the company also provides leasing arrangements, credit card services, loan guarantees, and venture capital investment. Additionally, its activities extend to software development, document and cash management, centralized operational processing, and offering specialized services like regional economic analysis, market surveys, and strategic consulting. By June 30, 2021, the group had established a significant operational footprint, boasting 332 branches throughout Japan and 8 international representative offices.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hiroshi Nakazawa
Listed since
Jan 1, 2001
Employees
4,618

Market position

Day range

Current ¥7,982

52-week range

Current ¥7,982

Open
¥8,139
Previous close
¥8,041
Volume
144.1K
0.33× average
Average volume
437.52K
Average daily volume
Market cap
955.77B JPY
Beta
0.19
Market reference 1
50-day average
¥7,382.96
+8.11% above average
200-day average
¥5,996.34
+33.11% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-1.42T JPY
P/E (TTM)
14.13×
P/B (TTM)
1.27×
P/S (TTM)
3.27×
EV / EBITDA
-16.12×
Earnings yield
8.31%
Free cash flow yield
5.00%
Dividend yield
1.38%

Profitability & efficiency

Gross margin
82.32%
Operating margin
31.48%
Net margin
23.39%
Return on equity
8.09%
Return on assets
0.35%
Return on invested capital
0.35%

Financial health

Debt / equity
1.76×
Current ratio
11.27×
Altman Z-score
0.35
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%68%36%4%Gross margin, FY2021: 90.99%Gross margin, FY2022: 92.21%Gross margin, FY2023: 91.65%Gross margin, FY2024: 84.06%Gross margin, FY2025: 85.21%Operating margin, FY2021: 20.16%Operating margin, FY2022: 18.60%Operating margin, FY2023: 16.51%Operating margin, FY2024: 26.50%Operating margin, FY2025: 30.00%Net margin, FY2021: 12.45%Net margin, FY2022: 15.50%Net margin, FY2023: 14.75%Net margin, FY2024: 19.27%Net margin, FY2025: 22.11%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.99%. Gross margin FY2022 92.21%. Gross margin FY2023 91.65%. Gross margin FY2024 84.06%. Gross margin FY2025 85.21%. Operating margin FY2021 20.16%. Operating margin FY2022 18.60%. Operating margin FY2023 16.51%. Operating margin FY2024 26.50%. Operating margin FY2025 30.00%. Net margin FY2021 12.45%. Net margin FY2022 15.50%. Net margin FY2023 14.75%. Net margin FY2024 19.27%. Net margin FY2025 22.11%.

Income trends

Revenue

266.45B JPY+31.38%

Operating income

79.94B JPY+48.76%

Net income

58.9B JPY+50.74%
Income trends across reported periods291.04B JPY192.67B JPY94.3B JPY−4.07B JPYRevenue, FY2021: 164.88B JPYRevenue, FY2022: 138.32B JPYRevenue, FY2023: 156.23B JPYRevenue, FY2024: 202.8B JPYRevenue, FY2025: 266.45B JPYOperating income, FY2021: 33.23B JPYOperating income, FY2022: 25.73B JPYOperating income, FY2023: 25.8B JPYOperating income, FY2024: 53.74B JPYOperating income, FY2025: 79.94B JPYNet income, FY2021: 20.53B JPYNet income, FY2022: 21.44B JPYNet income, FY2023: 23.05B JPYNet income, FY2024: 39.07B JPYNet income, FY2025: 58.9B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 164.88B JPY. Revenue FY2022 138.32B JPY. Revenue FY2023 156.23B JPY. Revenue FY2024 202.8B JPY. Revenue FY2025 266.45B JPY. Operating income FY2021 33.23B JPY. Operating income FY2022 25.73B JPY. Operating income FY2023 25.8B JPY. Operating income FY2024 53.74B JPY. Operating income FY2025 79.94B JPY. Net income FY2021 20.53B JPY. Net income FY2022 21.44B JPY. Net income FY2023 23.05B JPY. Net income FY2024 39.07B JPY. Net income FY2025 58.9B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue266.45B JPY202.8B JPY156.23B JPY138.32B JPY164.88B JPY
Cost of goods sold39.4B JPY32.32B JPY13.05B JPY10.78B JPY14.86B JPY
Gross profit227.05B JPY170.48B JPY143.19B JPY127.54B JPY150.02B JPY
Selling, general, and administrative—35.35B JPY37.27B JPY35.31B JPY36.09B JPY
Operating expenses147.11B JPY116.74B JPY117.39B JPY101.81B JPY116.79B JPY
Interest income187.38B JPY137.79B JPY106.66B JPY109.11B JPY104.8B JPY
Interest expense45.83B JPY25.28B JPY13.63B JPY9.63B JPY1.49B JPY
Depreciation and amortization8.43B JPY8.42B JPY8.11B JPY8.09B JPY8.78B JPY
Operating income79.94B JPY53.74B JPY25.8B JPY25.73B JPY33.23B JPY
Net income58.9B JPY39.07B JPY23.05B JPY21.44B JPY20.53B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
196.28

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates206.98155.72104.4653.2Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 11, 2024: actual 87.5, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 3, 2025: actual 101.53, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 62.59, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 116.3, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 133.16, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 117.89, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 117.47, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 196.28, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates92.3B61.55B30.79B32.24MQ1 '25No estimateQ2 '25BeatQ3 '25No estimateQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MetQ4 '26Estimate
Q1 2025, reported Feb 3, 2025: actual 52.24B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 58.73B JPY, estimate 37.93M JPY, surprise +154752.74%, Beat. Q3 2025, reported Jul 25, 2025: actual 59.75B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 67.43B JPY, estimate 61.62B JPY, surprise +9.42%, Beat. Q1 2026, reported Jan 30, 2026: actual 64.83B JPY, estimate 64.09B JPY, surprise +1.15%, Beat. Q2 2026, reported May 11, 2026: actual 85.47B JPY, estimate 83.85B JPY, surprise +1.93%, Beat. Q3 2026, reported Jul 29, 2026: actual 77.13B JPY, estimate 77.13B JPY, surprise 0.00%, Met estimate. Q4 2026, reported Nov 6, 2026: actual —, estimate 79.78B JPY, surprise —, Comparison unavailable.

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ETFs holding 8377.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
2.41B
Weight
0.08%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.1+0.02%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
72.97M
Weight
0.01%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
63.57M
Weight
0.32%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
48.96M
Weight
0.02%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
42.94M
Weight
0.02%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
17.55M
Weight
0.13%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
iShares International Equity Factor ETF logoiShares International Equity Factor ETFINTF
Market value
14.84M
Weight
0.40%
AUM
3.76B USD
Expense ratio
0.16%
Price / 1D
$43.14+0.82%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
13.2M
Weight
0.07%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.26+0.87%

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