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The Hokkoku Bank, Ltd.

Recent & upcoming events

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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2027
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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KPI highlights

FY21
Revenue —
Operating income —
Net income ¥6.75B YoY -7.6%
EPS ¥241 YoY -5.5%
P/E —
ROE 2.6% Equity ratio 5% 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.

F-Score (Piotroski)

5/9 3 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 0.1%
✓ Positive operating cash flow ¥191.88B
✗ ROA improved YoY 0.1% → 0.1%
✓ Operating CF exceeds net income (accrual quality) OCF ¥191.88B / net income ¥6.75B
✓ Equity ratio improved* Substitute for the original “decrease in long-term debt” 4.6% → 5.0%
— Current ratio improved No data
✓ No dilution (shares outstanding did not increase) 29,110,000 → 28,115,000
— Gross margin improved No data
— Asset turnover improved No data

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY21
Equity ratio 5.0%
Current ratio —
Years of positive operating CF 4 of last 4 yrs
Payout ratio 38%
Latest fiscal year result Profit (net income ¥6.75B)

Performance history

Last 10 years

Income & assets

Unit: ¥100M
Item FY18FY19FY20FY21
Revenue ————
Operating income ————
Ordinary income 164142132129
Net income 10285.873.167.5
Total assets 47,72950,29250,97355,245
Equity 2,6882,7122,4082,863

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 FY18FY19FY20FY21
EPS ¥346¥297¥256¥241
ROE 4.0%3.3%2.9%2.6%
Operating CF 2,9061,4061,1071,919
Investing CF 638-123614-1,273
Financing CF -88.8-26.3-58.5183
FCF 3,5441,2831,721646

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

Is this information incorrect?

Data provided by Twelve Data