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8524 Stock Chart & Stats
¥717.00
¥3.00(0.66%)
At close: 4:00 PM EST
¥717.00
¥3.00(0.66%)
Day’s Range― - ―
52-Week Range¥668.00 - ¥1,321.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥478.22B
Enterprise Value-¥318.53K
Total Cash (Recent Filing)¥2.07T
Total Debt (Recent Filing)¥1.33T
Price to Earnings (P/E)17.5
Beta1.37
Next Earnings
Nov 17, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.27%
Share Statistics
EPS (TTM)74.45
Shares Outstanding378,060,180
10 Day Avg. Volume2,725,260
30 Day Avg. Volume2,556,740
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)0.91
Price to Sales (P/S)1.51
P/FCF Ratio-0.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)88.1
Revenue Forecast (FY)¥197.20B
Bulls Say, Bears Say
Bulls Say
Accelerating Revenue Growth (2026)A pronounced revenue acceleration in 2026 shows the bank can expand core lending and fee activities beyond prior modest growth. Durable top-line momentum supports scale benefits, helps absorb fixed costs, and provides a platform for sustainable earnings improvement over the next 2–6 months.
Improving Profitability / ROEROE improvement to mid-single digits reflects better earnings conversion from assets and signals operational progress versus prior years. Higher ROE increases internal capital generation capacity, easing reliance on external funding and supporting durable shareholder returns if sustained.
Established Regional Bank FranchiseA full-service regional banking franchise with a diversified retail and corporate deposit base yields stable core funding and local franchise advantages. This structural positioning supports recurring net interest income and client relationships that underpin predictable revenue streams over the medium term.
Bears Say
High And Volatile LeverageA debt-heavy capital structure reduces financial flexibility and amplifies earnings sensitivity to credit losses or rate moves. Persistent high leverage constrains capacity to absorb shocks, limits strategic optionality, and raises refinancing and regulatory risk over the coming months.
Highly Inconsistent Cash GenerationVolatile operating and free cash flows undermine confidence in funding organic growth, dividends, or deleveraging. Recurrent negative cash conversion increases reliance on wholesale funding or asset sales, raising execution risk and reducing predictability of capital allocation over the medium term.
Margin Compression Despite Revenue GainsEarnings margin decline amid revenue growth signals cost pressure or lower-margin business mix. Sustained margin compression would limit incremental earnings leverage from revenue gains, constrain ROE improvement, and weaken the durability of profitability across the next several quarters.
North Pacific Bank, Ltd. News
8524 FAQ
What was North Pacific Bank, Ltd.’s price range in the past 12 months?
North Pacific Bank, Ltd. lowest stock price was ¥668.00 and its highest was ¥1321.00 in the past 12 months.
What is North Pacific Bank, Ltd.’s market cap?
North Pacific Bank, Ltd.’s market cap is ¥478.22B.
When is North Pacific Bank, Ltd.’s upcoming earnings report date?
North Pacific Bank, Ltd.’s upcoming earnings report date is Nov 17, 2026 which is in 92 days.
How were North Pacific Bank, Ltd.’s earnings last quarter?
North Pacific Bank, Ltd. released its earnings results on Aug 05, 2026. The company reported ¥22.17 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is North Pacific Bank, Ltd. overvalued?
According to Wall Street analysts North Pacific Bank, Ltd.’s price is currently Overvalued.
Does North Pacific Bank, Ltd. pay dividends?
North Pacific Bank, Ltd. pays a Quarterly dividend of ¥8 which represents an annual dividend yield of 2.27%. 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 ¥22.17 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 5.739%.
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. delivers a broad spectrum of financial services and banking solutions to individual clients and corporate entities throughout Japan. Its primary services encompass deposit accounts, negotiable certificates of deposit, and various loan products. The bank further extends its offerings to include ATM access, foreign currency exchange, investment trusts, financial advisory services, and trust management. As of March 31, 2021, the institution maintained a significant operational footprint with 171 branches and an additional three overseas offices. The company, which was incorporated in 1917 and is headquartered in Sapporo, Japan, was previously known as Hokuyo Sogo Bank, Ltd. before adopting its current name, North Pacific Bank, Ltd., in 1989.
Technical Analysis
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