| Valuation method | Value, ¥ | Upside, % |
|---|---|---|
| Artificial intelligence (AI) | 12574.03 | 330 |
| Intrinsic value (DCF) | 3740.53 | 28 |
| Graham-Dodd Method | 5508.42 | 88 |
| Graham Formula | 1144.40 | -61 |
Hokuhoku Financial Group, Inc., through its subsidiaries, provides various banking products and services to individuals, and small and medium-sized enterprises. The company offers various deposit products, including current, ordinary, savings, time, and installment savings, as well as deposits at notice and negotiable certificates of deposit; loans on bills and deeds; overdrafts; bills discounted; and loan products. It also provides a range of services, including leases, credit cards, loan guarantees, and venture capital. In addition, the company engages in software development; document management; concentrated business processing; and cash management activities, as well as research on regional economy, survey research, and consulting services. As of June 30, 2021, it operated 332 branches in Japan and 8 representative offices internationally. The company was incorporated in 2003 and is headquartered in Toyama, Japan.