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Hokuhoku Financial GroupTSE:8377 +6.33%50 Net Margin % is 23.38% as of Mar. 2026, which is 68% above its 10-year median of 13.90. GuruFocus rates TSE:8377 with a GF Score™ of 50/100 and a GF Value™ of 円3,352.21 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Hokuhoku Financial Group ranks better than 55.15% on this metric.
The historical rank and industry rank for Hokuhoku Financial Group's Net Margin % or its related term are showing as below:
TSE:8377'
s Net Margin % Range Over the Past 10 Years
Min: 12.46 Med: 13.9 Max: 28.33
Current: 28.33
TSE:8377's Net Margin % is ranked better than 55.15% of 1525
companies
in the Banks industry
Industry Median: 27.05
vs TSE:8377: 28.33
Hokuhoku Financial Group (TSE:8377) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Hokuhoku Financial Group Net Margin % Related Terms
Hokuhoku Financial Group Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hokuhoku Financial Group Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Hokuhoku Financial Group's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hokuhoku Financial Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hokuhoku Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hokuhoku Financial Group's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hokuhoku Financial Group (TSE:8377) has a Net Margin % of 23.38% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hokuhoku Financial Group and its competitors. This is 68% above median its historical median of 13.90. Over the past decade, Hokuhoku Financial Group's Net Margin % has ranged from 12.46 to 28.33. According to the industry distribution chart, Hokuhoku Financial Group ranks #684 out of 1525 companies in the Banks industry, placing it in the top 44.9%.
Is Hokuhoku Financial Group's Net Margin % too high?
Hokuhoku Financial Group's current Net Margin % of 23.38% is 68% above median its 10-year median of 13.90. Over the past 10 years, this metric has ranged from a low of 12.46 to a high of 28.33. The Banks industry median Net Margin % is 27.05. Hokuhoku Financial Group's value of 23.38% is 13.6% below this industry median. Based on the distribution chart, Hokuhoku Financial Group ranks #684 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Hokuhoku Financial Group has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hokuhoku Financial Group's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Hokuhoku Financial Group ranks #684 out of 1525 companies for Net Margin %. This puts Hokuhoku Financial Group in the upper half of its industry. The industry median Net Margin % is 27.05. Hokuhoku Financial Group's value of 23.38% is 13.6% below this benchmark. Historically, Hokuhoku Financial Group's own Net Margin % has ranged from 12.46 to 28.33 over the past decade. While the company's 10-year median is 13.90 vs. the industry median of 27.05, Hokuhoku Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hokuhoku Financial Group's current Net Margin % of 23.38% is 13.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Hokuhoku Financial Group and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hokuhoku Financial Group's current Net Margin % is 23.38%, which is 68% above median its own 10-year median of 13.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hokuhoku Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Hokuhoku Financial Group (TSE:8377) is currently considered Significantly Overvalued. The stock's GF Value™ is 円3,352.21, compared to a current price of 円7,407.00 — trading 121% above its estimated fair value. The current Net Margin % is 23.38%, which is 68% above median its 10-year median of 13.90 and 13.6% below the Banks industry median of 27.05. Hokuhoku Financial Group's overall GF Score™ is 50/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hokuhoku Financial Group (TSE:8377), the current Net Margin % is 23.38% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hokuhoku Financial Group (TSE:8377) Overvalued in 2026?
Based on GuruFocus' analysis, Hokuhoku Financial Group stock appears to be overvalued.
The current stock price of 円7,407.00 is trading 121% above its estimated GF Value™ of 円3,352.21.
GuruFocus considers Hokuhoku Financial Group to be Significantly Overvalued.
Key valuation signals for TSE:8377:
Net Margin %: 23.38% (68% above median its 10-year median of 13.90)
GF Value™: 円3,352.21 vs. price of 円7,407.00 (121% above fair value)
Industry Position: 13.6% below the Banks median (#684 of 1525)
No single metric tells the full story. See the TSE:8377 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hokuhoku Financial Group Inc is a Japan-based company that is principally engaged in banking and the provision of other financial services. The company was established through the integration of Hokuriku Bank and Hokkaido Bank. The company operates mainly through the branch networks of Hokuriku Bank and Hokkaido Bank in certain areas of Japan. Its business is concentrated in Japan, with the majority of revenue generated from the domestic market. The company also has a business presence in overseas cities such as Shanghai, Shenyang, Dalian, Bangkok, Singapore, London, and New York.
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