Strong Revenue GrowthSustained double-digit top-line expansion indicates durable loan demand and successful customer penetration across retail and corporate segments. Continued revenue growth supports incremental lending capacity, preserves net interest income scale, and funds strategic investments in digital and branch initiatives over the medium term.

High Gross Profit MarginVery high gross margin reflects low direct operating costs relative to interest and fee receipts, showing disciplined expense control and favorable spread management. This structural cost efficiency provides resilience to cyclical pressures and creates headroom to absorb credit costs while maintaining core profitability.

Manageable Leverage And ROELeverage metrics are within typical regional bank ranges and ROE is positive, indicating the bank is generating returns from core lending activity while using liabilities to fund growth. A stable equity base combined with manageable leverage supports ongoing credit extension and business continuity under normal conditions.

Bears Say

Heavy Reliance On LiabilitiesA low equity ratio means the bank depends substantially on deposits and wholesale funding, reducing its loss-absorbing buffer. Structurally this raises sensitivity to funding stress or deposit flight; maintaining capital adequacy will require disciplined earnings retention or external capital if risk-weighted assets grow materially.

Sharp Free Cash Flow DeclineA near-total drop in free cash flow signals potential issues in capital allocation, elevated working capital or higher investments. Over months this constrains flexibility for dividends, loan loss provisioning, or strategic initiatives, and increases dependence on external funding if operating cash generation doesn't normalize.

Concentration On Net Interest IncomeHeavy dependence on net interest income makes earnings structurally sensitive to margin compression from rate shifts, competition, or regulatory changes. Limited diversification into stable non‑interest revenue increases vulnerability to prolonged low-rate environments or margins pressured by competing lenders and fintech entrants.

North Pacific Bank, Ltd. News

North Pacific Bank Expands Shareholder Benefits to Boost Investment

North Pacific Bank, Ltd. ( ($JP:8524) ) just unveiled an update. North Pacific Bank, Ltd. has announced an...

3M ago

8524

North Pacific Bank Revises Stock Compensation Plan to Enhance Sustainability

An announcement from North Pacific Bank, Ltd. ( ($JP:8524) ) is now available. North Pacific Bank, Ltd. announced...

9M ago

8524

8524 FAQ

What was North Pacific Bank, Ltd.’s price range in the past 12 months?

North Pacific Bank, Ltd. lowest stock price was ¥356.00 and its highest was ¥1031.00 in the past 12 months.

What is North Pacific Bank, Ltd.’s market cap?

North Pacific Bank, Ltd.’s market cap is ¥372.72B.

When is North Pacific Bank, Ltd.’s upcoming earnings report date?

North Pacific Bank, Ltd.’s upcoming earnings report date is May 19, 2026 which is in 90 days.

How were North Pacific Bank, Ltd.’s earnings last quarter?

North Pacific Bank, Ltd. released its earnings results on Feb 10, 2026. The company reported ¥20.82 earnings per share for the quarter, beating the consensus estimate of N/A by ¥20.82.

Is North Pacific Bank, Ltd. overvalued?

According to Wall Street analysts North Pacific Bank, Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does North Pacific Bank, Ltd. pay dividends?

North Pacific Bank, Ltd. pays a Quarterly dividend of ¥6.5 which represents an annual dividend yield of 3.01%. See more information on North Pacific Bank, Ltd. dividends here

What is North Pacific Bank, Ltd.’s EPS estimate?

North Pacific Bank, Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does North Pacific Bank, Ltd. have?

North Pacific Bank, Ltd. has 378,060,180 shares outstanding.

What happened to North Pacific Bank, Ltd.’s price movement after its last earnings report?

North Pacific Bank, Ltd. reported an EPS of ¥20.82 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.5%.

Which hedge fund is a major shareholder of North Pacific Bank, Ltd.?

Currently, no hedge funds are holding shares in JP:8524

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

North Pacific Bank, Ltd.

North Pacific Bank, Ltd. (8524) is a financial institution based in Japan that offers a wide range of banking services, including personal banking, commercial banking, and investment services. The bank primarily serves individuals, small to medium-sized enterprises (SMEs), and corporate clients, providing products such as savings and checking accounts, loans, mortgages, and wealth management services. North Pacific Bank is committed to fostering economic growth in its local communities by offering tailored financial solutions to meet the diverse needs of its customers.