7327
Daishi Hokuetsu Financial Group,Inc.
株式会社第四北越フィナンシャルグループ
Banks
Daishi Hokuetsu Financial Group, Inc., together with its subsidiaries, provides financial products and services in Japan. The company offers banking, leasing, securities, credit guarantee, credit card, system-related, and recruitment services. It also offers lending products including business loans, consumer loans, housing loans, and structured finance; market development projects; and tourism promotion projects. In addition, it offers credit guarantee, credit card, IT solutions, consulting, research, staffing, and regional trading services. The company was founded in 1873 and is headquartered in Niigata, Japan.
Price
¥2,020
Market Cap
¥180.2B
Ent. Value
—
Net Cash
est
—
Shares Out.
89.2M
P / E
6.0×
EV / EBIT
—
⚠ TSE Capital Mandate
P / Book
0.37×
P / NCAV
N/M
Div. Yield
6.49%
Financials
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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| Total Assets | ¥10,977.8B | ¥11,137.9B | ¥10,518.0B | ¥10,670.3B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥54.2B | ¥55.9B | ¥56.0B | ¥56.9B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | ¥6.7B | ¥8.9B | ¥11.4B | ¥13.9B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | ¥8.3B | ¥2.1B | ¥21.8B | ¥10.3B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥10,498.9B | ¥10,638.5B | ¥10,102.5B | ¥10,236.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | ¥745M | ¥760M | ¥625M | ¥653M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | ¥3.6B | ¥13.9B | ¥2.5B | ¥2.6B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥478.9B | ¥499.4B | ¥415.4B | ¥433.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | ¥30.0B | ¥30.0B | ¥30.0B | ¥30.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | ¥103.0B | ¥103.0B | ¥103.0B | ¥98.9B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥331.1B | ¥309.4B | ¥294.0B | ¥281.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | ¥-8.7B | ¥-7.6B | ¥-3.1B | ¥-1.6B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | ¥23.5B | ¥64.6B | ¥-8.5B | ¥20.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥455.4B | ¥434.8B | ¥423.9B | ¥408.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | ¥6M | ¥19M | — | ¥5.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | ¥5,104 | ¥9,698 | ¥9,351 | ¥8,918 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| Operating CF | ¥-255.8B | ¥294.4B | ¥-338.5B | ¥797.7B |
| D&A | ¥7.0B | ¥7.1B | ¥6.7B | ¥7.0B |
| Investing CF | ¥186.6B | ¥-90.2B | ¥-380.8B | ¥-85.5B |
| CapEx | ¥2.1B | ¥3.5B | ¥3.7B | ¥1.9B |
| Financing CF | ¥-9.4B | ¥-10.5B | ¥-8.0B | ¥-8.9B |
| Dividends Paid | ¥-8.4B | ¥-5.9B | ¥-5.5B | ¥-5.5B |
| Share Buybacks | ¥-1.5B | ¥-4.7B | ¥-1.5B | ¥-1.1B |
| Free Cash Flow | ¥-257.9B | ¥290.9B | ¥-342.2B | ¥795.8B |
| Net Change in Cash | ¥-78.7B | ¥193.7B | ¥-727.3B | ¥703.2B |
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| ROE | 6.0% | 4.6% | 4.2% | 3.5% |
| ROA | 0.3% | 0.2% | 0.2% | 0.1% |
| EPS | ¥335.91 | ¥474.71 | ¥391.79 | ¥332.40 |
| DPS | ¥131.00 | ¥145.00 | ¥120.00 | ¥120.00 |
| BPS | ¥5,487.84 | ¥11,401.36 | ¥9,245.50 | ¥9,436.72 |
| FCF/Share | ¥-2,890 | ¥6,488 | ¥-7,550 | ¥17,374 |
| Payout Ratio | 39.0% | 30.5% | 30.6% | 36.1% |
Capital Allocation Signals 1
| Date | Type | Amount | Summary | |
|---|---|---|---|---|
|
2026-04-27
16:00
|
Div Increase | ¥36.0/sh | Daiyon Hokuetsu FG upwardly revised FY2026 earnings forecasts and increased final dividend per share by 9 yen to 36 yen … | |
|
Summary
Daiyon Hokuetsu FG upwardly revised FY2026 earnings forecasts and increased final dividend per share by 9 yen to 36 yen (post-October 2025 stock split adjustment). The dividend hike reflects stronger-than-expected corporate consulting revenues and lending growth, with the payout ratio targeted at 40.0%, consistent with the company's stated shareholder return policy of approximately 40% payout ratio.
Source (JP)
期末配当予想を前回予想比1株当たり9円増配し36円といたします。本件増配により、2026年3月期の通期業績予想に対する配当性向は40.0％となります。
「2026年３月期通期業績予想の上方修正」および「期末配当予想の修正（増配）」に関するお知らせ
TDnet PDF
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| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 |
Japan Master Trust Bank
日本マスタートラスト信託銀行株式会社（信託口）
|
8,305 | 9.30% |
| 2 |
Japan Custody Bank
株式会社日本カストディ銀行（信託口）
|
6,136 | 6.87% |
| 3 |
Meiji Yasuda Life Insurance
明治安田生命保険相互会社
|
3,248 | 3.64% |
| 4 |
Employee Stock Ownership Plan
第四北越フィナンシャルグループ従業員持株会
|
2,526 | 2.83% |
| 5 |
Nippon Life Insurance
日本生命保険相互会社
|
2,313 | 2.59% |
| 6 |
State Street Bank and Trust Company
STATE STREET BANK AND TRUST COMPANY 505223（常任代理人 株式会社みずほ銀行決済営業部）
|
1,177 | 1.31% |
| 7 |
JP MORGAN CHASE BANK
JP MORGAN CHASE BANK 385781（常任代理人 株式会社みずほ銀行決済営業部）
|
1,160 | 1.30% |
| 8 |
DFA INTL SMALL CAP VALUE PORTFOLIO
DFA INTL SMALL CAP VALUE PORTFOLIO（常任代理人 シティバンク、エヌ・エイ東京支店）
|
1,153 | 1.29% |
| 9 |
Sompo Japan Insurance Inc.
損害保険ジャパン株式会社
|
1,136 | 1.27% |
| 10 | 野村信託銀行株式会社（第四北越フィナンシャルグループ持株会専用信託口） | 1,117 | 1.25% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
16.2%
+0.3% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
2.6%
+1.3% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
12.9%
-1.9% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 31.6% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Japan Master Trust Bank 日本マスタートラスト信託銀行 | 9.21% | 9.14% | 9.30% +0.16% | |
| Japan Custody Bank 日本カストディ銀行 | 7.04% | 6.73% | 6.87% +0.14% | |
| Meiji Yasuda Life Insurance 明治安田生命保険 | 3.58% | 3.62% | 3.64% +0.02% | |
| Employee Stock Ownership Plan 第四北越フィナンシャルグループ従業員持株会 | — | 2.82% | 2.83% +0.01% | |
| Nippon Life Insurance 日本生命保険 | 2.55% | 2.58% | 2.59% +0.01% | |
| State Street NEW ENTRY | — | — | — | 1.31% NEW |
| JP Morgan | 1.27% | 1.33% | 1.30% -0.03% | |
| DFA INTL SMALL CAP VALUE PORTFOLIO | 1.31% | 1.28% | 1.29% +0.01% | |
| Sompo Japan Insurance Inc. 損害保険ジャパン | 1.47% | 1.37% | 1.27% -0.10% | |
| 野村信託銀行株式会社（第四北越フィナンシャルグループ持株会専用信託口） | — | 1.49% | 1.25% -0.24% | |
| Daido Life Insurance Co. 大同生命保険 last seen 2024 | Exited Top 10 | 1.55% | 1.57% | — |
| 岡 秀朋 last seen 2023 | Exited Top 10 | 1.94% | — | — |
| 第四北越銀行従業員持株会 last seen 2023 | Exited Top 10 | 2.74% | — | — |
| Concentration (HHI) ⓘ | 173 | 167 | 170 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved