TYO/8524 (TYO/8524)

Tokyo Stock Exchange: TYO/8524 · JPY

¥1,183

+7.06 (+0.6%)· Recorded snapshot

Market cap	442.6B
Revenue (ttm)	232.2B
Net income (ttm)	28B
EPS (ttm)	¥74.5
Shares out	374.1M
P/E (trailing)	15.9x
P/E (forward)	12.5x
Dividend	¥32.0 (2.71%)
Volume	2,980,100
Beta	0.41

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 232.2B
Net income (ttm): 28B
EPS (ttm): ¥74.5
P/E (trailing): 15.9x
P/E (forward): 12.5x
Market cap: 442.6B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12.5

P25 n/aP50 n/aP75 n/a

Trailing P/E15.9

P25 n/aP50 n/aP75 n/a

ROE7

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All TYO/8524 indicators

Market & fundamental data

Available fields

197

Groups with data

Currency

JPY

Showing 197 of 197 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	JPY
Country	Japan
Country code	JP
Earnings date	2026-11-13
Employees	2,828
Employees change	56
Employees growth	2.02%
Exchange	Tokyo Stock Exchange
Financial currency	JPY
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	March
Founded	1917
Industry	Banks - Regional
Is primary listing	Yes
ISIN number	JP3843400007
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Market cap	JPY 442.6B
Next earnings date	2026-11-13
Price	JPY 1,183.00
Price currency	JPY
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	tyo/8524
Website	https://www.hokuyobank.co.jp

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	10.5x
Average P/E ratio (3Y)	12.54x
Average P/E ratio (5Y)	11.26x
Earnings yield	6.3%
FCF yield	-83.72%
Forward P/E	12.51x
Graham number	1329.80054
Graham upside	12.41%
Industry P/E	10.7x
Lynch fair value	JPY 1,788.57
Lynch upside	51.19%
P/B ratio	1.11x
P/E ratio	15.88x
P/S ratio	1.91x
Price / tangible book value	1.16x
Sector P/E	12.91x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	30.56%
Operating margin	17.36%
Pretax margin	17.34%
Profit margin	12.05%
Profit per employee	JPY 9.9M
Profitable quarters	13
Profitable years	15
Revenue per employee	JPY 82.1M
ROA	0.21%
ROA (5Y)	0.12%
ROE	7.03%
ROE (5Y)	3.91%
Tax / revenue	5.3%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	33.22%
EPS growth (Q)	41.3%
EPS growth (QoQ)	60.42%
EPS growth 10Y	5.9%
EPS growth 3Y	55.46%
EPS growth 5Y	24.85%
EPS growth quarters	1
EPS growth years	3
Net income growth	31.51%
Net income growth (Q)	40.38%
Net income growth (QoQ)	59.89%
Net income growth 3Y	54.16%
Net income growth 5Y	24.01%
Net income growth quarters	1
Net income growth years	3
Revenue growth	61.94%
Revenue growth (Q)	69.26%
Revenue growth (QoQ)	-22.94%
Revenue growth 10Y	4.99%
Revenue growth 3Y	24.77%
Revenue growth 5Y	13.3%
Revenue growth quarters	12
Revenue growth years	4

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	JPY -7.1B
EPS	JPY 74.50
FCF per share	JPY -990.40
Financing cash flow	JPY -26.3B
Free cash flow	JPY -370.5B
Gross profit	JPY 232.2B
Income taxes	JPY 12.3B
Investing cash flow	JPY 20B
Net cash flow	JPY -369.8B
Net income	JPY 28B
Operating income	JPY 40.3B
Revenue	JPY 232.2B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	JPY 1,054.91
Debt / equity	3.35
Net cash (debt)	JPY 741.1B
Net cash / market cap	167.45%
Net cash growth	-50.75%
Net debt / equity	-1.86
Piotroski F-Score	2
Property, plant and equipment	JPY 75B
Shareholders' equity	JPY 398.6B
Tangible book value	JPY 380.7B
Tangible book value per share	JPY 1,017.69
Total assets	JPY 13.2T
Total cash	JPY 2.1T
Total debt	JPY 1.3T
Total liabilities	JPY 12.8T
WACC	1.62%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	JPY -9.1T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.24%
Dividend growth	21.57%
Dividend growth (10Y)	9.51%
Dividend growth (3Y)	45.81%
Dividend growth (5Y)	25.39%
Dividend growth years	2
Dividend payment date	2026-12-01
Dividend payment years	15
Dividend payout frequency	Quarterly
Dividend per share	JPY 32.00
Dividend yield	2.71%
Ex-dividend date	2026-09-29
Last dividend	JPY 8.00
Payout ratio	41.61%
Shareholder yield	2.94%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	202.56%
10Y return CAGR	15.66%
10Y total return	328.18%
150-day SMA	JPY 1,131.33
1D price change	0.6%
1M price change	-13.96%
1M total return	-13.46%
1W price change	2.07%
1W total return	2.07%
1Y price change	60.08%
1Y return CAGR	64.94%
1Y total return	64.88%
20-day SMA	JPY 1,242.80
200-day SMA	JPY 1,089.26
3M price change	-6.33%
3M total return	-5.79%
3Y price change	208.07%
3Y return CAGR	50.43%
3Y total return	240.51%
50-day SMA	JPY 1,280.28
50-day SMA vs 200-day SMA	50over200
52-week high	JPY 1,400.00
52-week high date	2026-10-07
52-week low	JPY 703.00
52-week low date	2025-11-05
5Y price change	397.06%
5Y return CAGR	42.68%
5Y total return	491.13%
6M price change	26.93%
6M total return	28.59%
All-time high	JPY 1,400.00
All-time high date	2026-09-30
All-time low	JPY 153.00
All-time low date	2020-03-13
Average true range (ATR)	JPY 48.10
Average volume	1.7M
Beta (1Y)	1.12
Beta (2Y)	1.16
Beta (5Y)	0.41
Change from 52-week high	-15.5%
Change from 52-week low	68.28%
Change from all-time high	-15.5%
Change from all-time low	673.2%
Change from open	-0.67%
Day's gap	1.28%
Dollar volume	JPY 3.5B
High price	JPY 1,210.00
Low price	JPY 1,163.00
Monthly RSI	66.15
Open price	JPY 1,191.00
Position in 52-week range	42.55%
Previous close	JPY 1,176.00
Price vs 150-day SMA	4.57%
Price vs 20-day SMA	-4.81%
Price vs 200-day SMA	8.61%
Price vs 50-day SMA	-7.6%
Relative volume	1.78
RSI	44.06
Sharpe ratio	1.55
Sharpe ratio (3Y)	1.11
Sharpe ratio (5Y)	1.01
Sortino ratio	2.57
Sortino ratio (3Y)	1.78
Sortino ratio (5Y)	1.66
Volume	3M
Weekly RSI	51.17
YTD price change	39.51%
YTD total return	42.58%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	343.5M
Shares change (QoQ)	-0.32%
Shares change (YoY)	-0.24%
Shares held by insiders	0.08%
Shares held by institutions	41.43%
Shares outstanding	374.1M

Deeper analysis on TYO/8524

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this TYO/8524 report

Is a complete TYO/8524 research report available?

No complete published report is available for tyo/8524 (TYO/8524) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

TYO/8524 (TYO/8524)

Price

Financial snapshot

Fair-value bridge

Latest news · TYO/8524

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TYO/8524 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TYO/8524

Frequently asked questions