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

S&P 500+0.8%

Nasdaq Composite-1.0%

Dow Jones Industrial Average+1.9%

Russell 2000+0.3%

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.

→

Risks

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

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

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

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

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.

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

Metric

Value

Amount currency

JPY

Country

Japan

Country code

Earnings date

2026-11-13

Employees

2,828

Employees change

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

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

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

Profitable years

Revenue per employee

JPY 82.1M

ROA

0.21%

ROA (5Y)

0.12%

ROE

7.03%

ROE (5Y)

3.91%

Tax / revenue

5.3%

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

EPS growth years

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

Net income growth years

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

Revenue growth years

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

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

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%

Metric

Value

Working capital

JPY -9.1T

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

Dividend payment date

2026-12-01

Dividend payment years

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%

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

Weekly RSI

51.17

YTD price change

39.51%

YTD total return

42.58%

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

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

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