Obermatt

Hokuhoku Financial Group

TYO:8377 · JP3842400008
BanksSmall

360

4
Profit price62
Cash yield23
Price/Sales67
Price/Book57
Returns on capital46
Profit margins
Cash Conversion17
Accruals68
Owner Earnings Margin22
Sales growth4
Profit growth82
Reinvestment57
Price momentum100
Debt load98
Debt serviceability47
Liquidity93
Analyst ratings35
Opinion Changes50
Price Target Upside4
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Hokuhoku Financial Group generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeTSE
Founded2003
Employees2
ISINJP3842400008
Last UpdateApr 2, 2026
Index & Theme
Software Development

Description

Hokuhoku Financial Group, Inc. engages in the banking, asset management, and financial consulting services. Business Segments The company operates through business segments: retail banking, corporate banking, asset management, and consulting servic…

Analysis

Weak and unloved

Hokuhoku Financial Group, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is attractive. You pay 13.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is fragile. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
73
2023202420252026

All-time high

73

Jun 2026

All-time low

49

Jan 2024

Average rank

60

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
67
68
75
98
Price/Earnings
72
91
63
77
Price/Book
57
98
100
100
Dividend Yield
23
11
10
32
Value (overall)
63
77
70
87

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →