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Regional bank holding company serving Niigata prefecture, formed from a merger of two local banks.
Regional bank holding company serving Niigata prefecture, formed from a merger of two local banks.
Earns mainly the spread between loan interest and deposit cost, plus fees from investment products, leasing and securities units. Formed in 2021 by the combination of two local rivals, Daishi Bank and Hokuetsu Bank, it is the main bank in Niigata prefecture.
In one line: A rural Japanese community bank holding company.
Moat: narrow (distribution, regulatory licence). Dense local branch network and long relationships give a deposit-funding edge in its home prefecture.
Headquarters: Niigata, Japan · Founded: 2018 · Employees: 3,456
Size Daishi Hokuetsu Financial (7327.T) is a Japan Financials company (Major Banks) with a market value of $3.73B, the 308th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,140 on 6 Nov 2026.
Performance Over six months the shares gained 9.3%, against +7.2% for the median peer and +1.8% for the Japan market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 18.0% over the last twelve months (peer median +8.5%); the operating margin is 21.2% (peer median 34.4%).
Valuation It trades at 0.94× book value against a peer median of 1.05× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 6.3%; Daishi Hokuetsu Financial delivers 8.6%, so the price asks less than the business earns today.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥225B | ¥255B | ¥191B | ¥176B | ¥144B |
| Revenue growth | — | +33% | +9% | +22% | — |
| Net income | ¥47.0B | ¥42.1B | ¥29.4B | ¥21.2B | ¥17.8B |
| Free cash flow | n/a | ¥20.5B | ¥93.0B | -¥18.0B | -¥23.9B |
| Capital expenditure | n/a | ¥5.41B | ¥3.98B | ¥5.12B | ¥5.32B |
| Total debt | ¥1.03T | ¥1.34T | ¥1.52T | ¥1.76T | ¥1.39T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Daishi Hokuetsu Financial 7327.T | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% |
| Yamagata Bank 8344.T | $736M | +49% | +25% | 5% | 0.75× | 5.3% |
| Toho Bank 8346.T | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% |
| Hachijuni Nagano Bank 8359.T | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% |
| Hokuhoku Financial 8377.T | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% |
| Gunma Bank 8334.T | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 7327.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -22.9% | +1.9% | 4th lowest of 21 |
| 6-month return | +9.3% | +7.2% | 9th highest of 21 |
| Return on equity | 8.6% | 9.7% | 9th lowest of 21 |
| Price / book | 0.94× | 1.05× | 7th cheapest of 21 |
| Trailing P/E | 11.9× | 14.6× | 6th cheapest of 20 |
| ROE the price implies | 6.3% | 10.2% | 5th least demanding of 19 |
| ROE delivered | 8.6% | 9.7% | 8th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |