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Hokuhoku Financial Group, Inc.

ほくほくフィナンシャルグループ Yahoo Finance

Recent & upcoming events

Sep 28
Ex-dividend Time TBD
Ex-rights date (interim)
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Sep 27
Dividend Time TBD
Last day with rights (interim)
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Jul 29
Earnings 2:00
Q1 earnings announcement (scheduled)
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Jun 22
Shareholder meeting 21:00
Shareholders' meeting
Venue: 株式会社北陸銀行本店 ６階会議室、富山市堤町通り一丁目２番26号 Details
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May 11
Earnings 2:00
FY earnings announcement (scheduled)
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Nov 9
Earnings 1:00 approx.
Q2 earnings announcement (scheduled)
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2027
Jan 25
Est.
Earnings 1:00 approx.
Q3 earnings
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Mar 28
Est.
Dividend Time TBD
Last day with rights (year-end)
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Mar 29
Est.
Ex-dividend Time TBD
Ex-rights date (year-end)
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Apr 19
Est.
Earnings 2:00 approx.
Earnings announcement (predicted)
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Jul 5
Est.
Earnings 2:00 approx.
Earnings announcement (predicted)
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Sep 20
Est.
Earnings 2:00 approx.
Earnings announcement (predicted)
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Sep 27
Est.
Dividend Time TBD
Last day with rights (interim)
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Sep 28
Est.
Ex-dividend Time TBD
Ex-rights date (interim)
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KPI highlights

FY26
Ordinary revenue ¥277.47B YoY +32.0% Total core revenue for banks and insurers (interest income, fee & commission income, insurance premiums, etc.). Defined differently from an operating company's revenue.
Operating income —
Net income ¥58.90B YoY +50.7%
EPS ¥485 YoY +55.6%
P/E —
ROE 8.7% Equity ratio 4% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company guidance

FY2027/03 Company-issued full-year guidance (from earnings report) / %=vs prior FY
Revenue — —
Operating income — —
Net income ¥62.00B +5.3%
EPS ¥52 -89.2%

Quarterly fundamentals

Income & cash flow
Quarter FY23 Q2FY23 Q3FY23 Q4FY24 Q1FY24 Q2FY25 Q2
Revenue ¥36.83B¥45.72B¥41.79B¥36.15B——
Operating income ——————
Net income ¥4.59B¥11.60B¥4.95B¥2.15B——
Operating CF ——————

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2026）

国内機関 21.1%海外機関 10.5%未開示 64.9%202120222023202420252026
事業法人国内機関海外機関個人その他未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

日本マスタートラスト信託銀行株式会社 12.6%日本マスタートラスト信託銀行株式会社（信託口）株式会社日本カストディ銀行（信託口） 3.8%株式会社日本カストディ銀行（信託口）STATE STREET BANK 3.3%STATE STREET BANK AND TRUST COMPANY 505001（常任代理人株式会社みずほ銀行決済営業部）NORTHERN TRUST CO. 3.1%NORTHERN TRUST CO. (AVFC) RE FIDELITY FUNDS（常任代理人香港上海銀行東京支店）明治安田生命保険相互会社 2.8%明治安田生命保険相互会社BNY GCM CLIENT ACC 2.3%BNY GCM CLIENT ACCOUNT JPRD AC ISG (FE-AC)（常任代理人株式会社三菱UFJ銀行）住友生命保険相互会社 2%住友生命保険相互会社北陸電力株式会社 1.8%北陸電力株式会社STATE STREET BANK 1.7%STATE STREET BANK AND TRUST COMPANY 505223（常任代理人株式会社みずほ銀行決済営業部）ほくほくフィナンシャルグループ職員持 1.6%ほくほくフィナンシャルグループ職員持株会202120222023202420252026

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
日本マスタートラスト信託銀行株式会社（信託口） 15,163,000 12.6% Yuho (EDINET)
株式会社日本カストディ銀行（信託口） 4,586,000 3.8% Yuho (EDINET)
STATE STREET BANK AND TRUST COMPANY 505001 4,024,000 3.3% Yuho (EDINET)
NORTHERN TRUST CO. (AVFC) RE FIDELITY FUNDS 3,780,000 3.1% Yuho (EDINET)
明治安田生命保険相互会社 3,395,000 2.8% Yuho (EDINET)
BNY GCM CLIENT ACCOUNT JPRD AC ISG (FE-AC) 2,774,000 2.3% Yuho (EDINET)
住友生命保険相互会社 2,360,000 2.0% Yuho (EDINET)
北陸電力株式会社 2,211,000 1.8% Yuho (EDINET)
STATE STREET BANK AND TRUST COMPANY 505223 2,099,000 1.7% Yuho (EDINET)
ほくほくフィナンシャルグループ職員持株会 1,961,000 1.6% Yuho (EDINET)

Source：EDINET（大株主の状況）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY26
Equity ratio 4.3%
Current ratio —
Years of positive operating CF 8 of last 10 yrs
Payout ratio 70%
Latest fiscal year result Profit (net income ¥58.90B)

Performance history

Last 10 years
Ordinary revenueOperating revenue
0億円694億円1,387億円2,081億円2,775億円 FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26

Income & assets

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
Revenue ——————————
Ordinary revenue 1,8741,8091,8361,8241,7601,7781,8791,9012,1022,775
Operating income ——————————
Ordinary income 395318353317322303264233516808
Net income 282212244203213205214230391589
Total assets 124,294129,963131,860136,449166,355172,801161,727163,829164,412169,638
Equity 5,8526,1016,2805,9536,3856,2286,1226,6496,5877,325

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
EPS ¥201¥149¥174¥143¥152¥147¥159¥177¥312¥485
ROE 5.1%3.6%4.0%3.4%3.5%3.3%3.5%3.7%6.0%8.7%
Operating CF 6,0891,4944162,13726,0824,624-14,666824-7,677855
Investing CF -2374,9781,849-328-2,314-8273,6771,314-5,7373,119
Financing CF -441-77.0-477-128-121-145-110-151-179-407
FCF 5,8526,4722,2661,80923,7683,798-10,9892,138-13,4143,974

Source: EDINET (Annual Securities Report) (fetched 2026-08-29) *Some metrics supplemented from additional sources

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Data provided by Twelve Data