Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Hokuhoku Financial GroupSSE:8377 53 5-Year Yield-on-Cost % is 3.74 as of Jul. 31, 2026, which is 56% below its 10-year median of 8.46. GuruFocus rates SSE:8377 with a GF Score™ of 53/100 and a GF Value™ of 円3,692.91 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,251 Banks companies, Hokuhoku Financial Group ranks worse than 50.76% on this metric.
Hokuhoku Financial Group (SSE:8377) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Hokuhoku Financial Group 5-Year Yield-on-Cost % Related Terms
Hokuhoku Financial Group 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Hokuhoku Financial Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Hokuhoku Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Hokuhoku Financial Group's 5-Year Yield-on-Cost % falls into.
Hokuhoku Financial Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Hokuhoku Financial Group (SSE:8377) has a 5-Year Yield-on-Cost % of 3.74 as of Jul. 31, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Hokuhoku Financial Group and its competitors. This is 56% below median its historical median of 8.46. Over the past decade, Hokuhoku Financial Group's 5-Year Yield-on-Cost % has ranged from 3.10 to 16.31. According to the industry distribution chart, Hokuhoku Financial Group ranks #635 out of 1251 companies in the Banks industry, placing it in the top 50.8%.
Is Hokuhoku Financial Group's 5-Year Yield-on-Cost % too high?
Hokuhoku Financial Group's current 5-Year Yield-on-Cost % of 3.74 is 56% below median its 10-year median of 8.46. Over the past 10 years, this metric has ranged from a low of 3.10 to a high of 16.31. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Hokuhoku Financial Group's value of 3.74 is 2.6% below this industry median. Based on the distribution chart, Hokuhoku Financial Group ranks #635 out of 1251 companies in the Banks industry, which is below the industry midpoint. Overall, Hokuhoku Financial Group has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hokuhoku Financial Group's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Hokuhoku Financial Group ranks #635 out of 1251 companies for 5-Year Yield-on-Cost %. This places Hokuhoku Financial Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Hokuhoku Financial Group's value of 3.74 is 2.6% below this benchmark. Historically, Hokuhoku Financial Group's own 5-Year Yield-on-Cost % has ranged from 3.10 to 16.31 over the past decade. While the company's 10-year median is 8.46 vs. the industry median of 3.84, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hokuhoku Financial Group's current 5-Year Yield-on-Cost % of 3.74 is 2.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Hokuhoku Financial Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hokuhoku Financial Group's current 5-Year Yield-on-Cost % is 3.74, which is 56% below median its own 10-year median of 8.46. 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 (SSE:8377) is currently considered Significantly Overvalued. The stock's GF Value™ is 円3,692.91, compared to a current price of 円7,850.00 — trading 112.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.74, which is 56% below median its 10-year median of 8.46 and 2.6% below the Banks industry median of 3.84. Hokuhoku Financial Group's overall GF Score™ is 53/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Hokuhoku Financial Group (SSE:8377), the current 5-Year Yield-on-Cost % is 3.74 as of Jul. 31, 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 (SSE:8377) Overvalued in 2026?
Based on GuruFocus' analysis, Hokuhoku Financial Group stock appears to be overvalued.
The current stock price of 円7,850.00 is trading 112.6% above its estimated GF Value™ of 円3,692.91.
GuruFocus considers Hokuhoku Financial Group to be Significantly Overvalued.
Key valuation signals for SSE:8377:
5-Year Yield-on-Cost %: 3.74 (56% below median its 10-year median of 8.46)
GF Value™: 円3,692.91 vs. price of 円7,850.00 (112.6% above fair value)
Industry Position: 2.6% below the Banks median (#635 of 1251)
No single metric tells the full story. See the SSE: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.
53GF Score
Get the complete analysis for SSE:8377
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SSE:8377 has been successfully added to your 
