Komori
D

Daishi Hokuetsu Financial Group,Inc.

7327BanksLarge cap
2,504JPY-11.4%
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Price history
¥2,504Latest+553.3%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

The group is primarily engaged in banking, as well as leasing, securities, credit card, systems-related and recruitment services, and comprises 14 consolidated subsidiaries. Its Third Medium-Term Management Plan began in April 2024 and runs through FY2026. Balancing financial challenges with environmental and social issues is a key management priority, and the group is working to deepen the TSUBASA Alliance. Its shareholder return policy is to progressively increase dividends per share, maintain a payout ratio of approximately 40%, and continue returning value to shareholders through a stock split. The group aims to reach a definitive agreement with The Gunma Bank, Ltd. in March 2026 and establish Gunma-Niigata Financial Group in April 2027.

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Key numbersShowing 8 of 17
PER
39.03How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
1.15How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
3.0%Earning power. A figure above 10% is generally considered good.
Dividend yield
0.0%The annual dividend as a percentage of the share price.
Market capitalization
¥690bnShare price × number of shares. The value of the entire company.
Equity ratio
5.6%The proportion of assets funded by money that does not have to be repaid.
Revenue growth (3 years)
12.7%The average annual growth in sales over the past three years.
Forward P/E
13.02Forward P/E based on estimated earnings for the next fiscal year.
What to watch next
Management integration with Gunma Bank: progress on regulatory approvals and procedures toward the share exchange, transition to a holding-company structure and establishment of Gunma Niigata Financial Group in April 2027
Second half of 2026 to April 2027Impact HighLikelihood Medium
Achievement of the Third Medium-Term Management Plan targets for OHR, ROE and net income: assessment of the feasibility of the FY2026 targets and progress following the upward revision
Upcoming quarters through the FY2026 full-year resultsImpact MediumLikelihood Medium
Results of DX and productivity initiatives: changes in the cost structure directly linked to OHR improvement, including the effectiveness of investment plans and workforce infrastructure development
The period during which initiatives launched in April 2024 become fully operational, through FY2026Impact MediumLikelihood Medium
Sustainability of shareholder returns: the progressive dividend policy, with a payout ratio of approximately 40%, and whether share buybacks resume and at what scale
At each earnings announcement and board meeting, held several times a yearImpact MediumLikelihood High
What to watch next
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Who owns itTop holders total 30.4%
Listed holders 30.4%Everyone else 69.6%
The Master Trust Bank of Japan, Ltd. (Trust Account)8.99%
株式会社日本カストディ銀行 (Trust Account)5.89%
明治安田生命保険相互会社3.64%
第四北越フィナンシャルグループ従業員持株会2.90%
日本生命保険相互会社2.59%
STATE STREET BANK AND TRUST COMPANY 5052231.51%
JP MORGAN CHASE BANK 3857811.30%
DFA INTL SMALL CAP VALUE PORTFOLIO1.29%
2 other listed holders2.33%
Who owns it
HolderOwnership (%)
The Master Trust Bank of Japan, Ltd. (Trust Account)8.99
株式会社日本カストディ銀行 (Trust Account)5.89
明治安田生命保険相互会社3.64
第四北越フィナンシャルグループ従業員持株会2.90
日本生命保険相互会社2.59
STATE STREET BANK AND TRUST COMPANY 5052231.51
JP MORGAN CHASE BANK 3857811.30
DFA INTL SMALL CAP VALUE PORTFOLIO1.29
2 other listed holders2.33
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