Company profile

Hokuhoku Financial Group, Inc.

EDINET
E03618
Securities
8377
Industry
Banks
Latest annual securities report
2026-06-16 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-09-04 Treasury Share Repurchase Status Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Strong Based on ROE Current Top 17% 5-year trend Improving
Financial strength Below average Based on Equity ratio Current Bottom 32% 5-year trend Improving
Growth Strong Current Top 11% 5-year trend Improving

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥80.76 billion, up 56.4% year over year. Net income was ¥58.9 billion, up 50.7% year over year. ROE was 8.0%; equity ratio was 4.3%; free cash flow was ¥397.35 billion.

Revenue ¥80.76B up 56.4% year over year
Operating income —
Net income ¥58.9B up 50.7% year over year
Total assets¥16.96T
Total equity—
Operating cash flow¥85.48B
Free cash flow¥397.35B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Strong
Based on ROE

ROE Top 19%

Financial strength Below average
Based on Equity ratio

Equity ratio Bottom 70%

Growth Strong

Revenue growth Top 11% / 3-year revenue CAGR Top 12%

Profitability Industry position history Improving
2026 Top 17% 2025 Top 29% 2024 Bottom 49% 2023 Bottom 44% 2022 Bottom 45%
Financial strength Industry position history Improving
2026 Bottom 32% 2025 Bottom 32% 2024 Bottom 21% 2023 Bottom 21% 2022 Bottom 15%
Growth Industry position history Improving
2026 Top 11% 2025 Top 15% 2024 Bottom 12% 2023 Bottom 22% 2022 Bottom 19%
Profitability ROE 8.0% Industry median 5.6% Top 19% Comparison sample 83
Financial strength Equity ratio 4.3% Industry median 4.9% Bottom 70% Comparison sample 83
Growth Revenue growth +56.4% Industry median +32.7% Top 11% Comparison sample 83
Growth 3-year revenue CAGR +45.2% Industry median +21.3% Top 12% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 80757000000 80757000000 58899000000 58899000000 114018000000 16963785000000 16231259000000 732525000000 614225000000 732525000000 85480000000 311873000000 -40674000000 397353000000 3537727000000 484.82 12.03 5832.3846 712768221519.4044 6041.63 122208714 0.0431816956 0.0428 0.0804054469 0.0034720435 1.0 0.7293361566 1.0584840943 4.9203536536 0.5644214564 0.5644214564 0.5074477887 0.0317838336 0.1121088964 1.1113484785 1.5435903425 -1.2681090727 1.2962208366 0.1121262552 0.5561047631 -0.2657566961 0.0080768391 4618
FY2025 Consolidated Japanese GAAP 51621000000 51621000000 39072000000 39072000000 10753000000 16441220000000 15782539000000 658681000000 595399000000 658681000000 -767680000000 -573728000000 -17933000000 -1341408000000 3181048000000 311.56 8.24 2567.2544 427298222610.0416 5150.89 166441714 0.0400627812 0.0397 0.0593185472 0.002376466 1.0 0.7569012611 -14.8714670386 -25.9857034928 1.2175874216 1.2175874216 0.6952447067 0.0035606669 -0.0094024511 -10.312662251 -5.3676004872 -0.188796818 -7.2743014303 -0.299388819 0.7603254421 -0.0706606651 0.0002183406 4581
FY2024 Consolidated Japanese GAAP 23278000000 23278000000 23048000000 23048000000 67683000000 16382886000000 15717953000000 664933000000 573098000000 664933000000 82434000000 131360000000 -15085000000 213794000000 4540390000000 176.99 10.94 1936.2706 346779895501.8684 5083.31 179096814 0.0405870492 0.0403 0.0346621389 0.0014068339 1.0 0.9901194261 3.5412836154 9.1843801014 -0.1179903001 -0.1179903001 0.0752507581 0.0129963457 0.0861155939 1.0562082447 -0.642773617 -0.3737364539 1.1945598165 0.0457776324 0.1118859153 -0.0731888512 0.0021881838 4580
FY2023 Consolidated Japanese GAAP 26392000000 26392000000 21435000000 21435000000 229000000 16172700000000 15560488000000 612212000000 564969000000 612212000000 -1466582000000 367722000000 -10981000000 -1098860000000 4341640000000 159.18 5.81 924.8358 178715097972.5412 4491.95 193239814 0.0378546563 0.0376 0.0350123813 0.0013253817 1.0 0.8121779327 -55.5691876326 -41.636101849 -0.1284303689 -0.1284303689 0.0442852967 -0.0640837066 -0.0170716631 -4.1715847089 5.4489855178 0.2420623965 -3.8935643564 -0.2035808448 0.0794059809 -0.0526662016 -0.0376921457 4570
FY2022 Consolidated Japanese GAAP 30281000000 30281000000 20526000000 20526000000 -1288000000 17280071000000 16657226000000 622845000000 554215000000 622845000000 462413000000 -82653000000 -14488000000 379760000000 5451451000000 147.47 6.05 892.1935 181992140762.5090 4539.12 203982814 0.0360441227 0.0358 0.0329552296 0.0011878423 1.0 0.6778507975 15.2707308213 12.5411974505 -0.0602966733 -0.0602966733 -0.0378738164 0.0387485272 -0.0245245136 -0.8227093573 0.6427762603 -0.2000331318 -0.8402251052 0.0718241701 -0.0308865085 -0.0648052847 -0.0392474206 4749
FY2021 Consolidated Japanese GAAP 32224000000 32224000000 21334000000 21334000000 55148000000 16635471000000 15996966000000 638504000000 547723000000 638504000000 2608220000000 -231376000000 -12073000000 2376844000000 5086143000000 152.17 6.76 1028.6692 224371282966.9688 4504.91 218118014 0.0383820813 0.0381 0.0334124767 0.0012824404 1.0 0.6620531281 80.9402929494 73.7600546177 0.017011204 0.017011204 0.053426822 0.2191748234 0.0725409402 11.2027126288 -6.045983312 0.05391427 12.1387760291 0.8689758367 0.0660641726 -0.0469411536 -0.0357003512 4943
FY2020 Consolidated Japanese GAAP 31685000000 31685000000 20252000000 20252000000 -20046000000 13644861000000 13049541000000 595319000000 538269000000 595319000000 213741000000 -32838000000 -12761000000 180903000000 2721353000000 142.74 6.78 967.7772 221486471318.0808 4138.44 228861014 0.0436295394 0.0433 0.0340187362 0.0014842218 1.0 0.6391667982 6.7458103203 5.7094208616 -0.1028653944 -0.1028653944 -0.1686029804 0.0348013025 -0.0520458468 4.1362762532 -1.1775516494 0.7324401392 -0.2015333483 0.0658450946 -0.1772910663 -0.0448005984 -0.0429424944 5126
FY2019 Consolidated Japanese GAAP 35318000000 35318000000 24359000000 24359000000 25125000000 13185972000000 12557968000000 628004000000 530565000000 628004000000 41614000000 184949000000 -47694000000 226563000000 2553235000000 173.5 6.64 1152.040 276023039928.560 4348.77 239595014 0.0476266748 0.0473 0.0387879695 0.001847342 1.0 0.6897049663 1.17826604 6.4149442211 0.1109084046 0.1109084046 0.1494974282 0.0145949322 0.0292667177 -0.7214386601 -0.6284478498 -5.1964401715 -0.6499135457 0.0753379022 0.1613119143 -0.0244080146 5356
FY2018 Consolidated Japanese GAAP 31792000000 31792000000 21191000000 21191000000 32169000000 12996292000000 12386145000000 610147000000 513178000000 610147000000 149389000000 497774000000 -7697000000 647163000000 2374356000000 149.4 9.65 1441.710 4215.92 0.0469477756 0.0467 0.0347309747 0.001630542 1.0 0.6665513337 4.6989494212 20.3561587821 -0.1946703144 -0.1946703144 -0.2473985155 0.0456068563 0.0425639527 -0.7546450879 22.0244129076 0.8253777395 0.1058966871 0.3685829912 -0.258045292 0.0056786957 5490
FY2017 Consolidated Japanese GAAP 39477000000 39477000000 28157000000 28157000000 28739000000 12429425000000 11844188000000 585237000000 498979000000 585237000000 608869000000 -23676000000 -44078000000 585193000000 1734901000000 201.36 8.67 1745.7912 4028.62 0.0470848008 0.0468 0.0481121323 0.0022653502 1.0 0.7132507536 15.4233857689 14.8236441472 -0.1496607431 -0.1496607431 -0.0235808163 0.0687080364 0.0335293006 14.9858485612 -1.4211087989 0.1102543399 5.2049283753 0.4532617746 8.9143279173 0.0205645915 5459

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp