North Pacific Bank, Ltd. (JP:8524)
:8524
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¥356.00 - ¥1,098.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥357.28B
Enterprise Value¥174.90B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥889.59B
Price to Earnings (P/E)10.2
Beta1.42
Next Earnings
May 19, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.01%
Share Statistics
EPS (TTM)20.82
Shares Outstanding378,060,180
10 Day Avg. Volume2,725,260
30 Day Avg. Volume2,556,740
Financial Highlights & Ratios
PEG Ratio0.16
Price to Book (P/B)0.52
Price to Sales (P/S)1.35
P/FCF Ratio5.87
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)70.15
Revenue Forecast (FY)¥137.25B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained ~16% annual revenue growth indicates durable expansion of lending and fee businesses across the regional franchise. Over a 2–6 month horizon, this trend supports higher core earnings, larger fee pools and greater scale benefits that underpin medium-term profitability and loan book growth.
High Gross MarginA very high gross margin reflects efficient front-line operations and favourable interest/fee mix common to a strong regional bank. This structural efficiency provides a durable buffer against cyclical revenue swings, helping preserve operating profits and allowing management flexibility on pricing and reinvestment.
Operating Cash GenerationOperating cash flow materially exceeds reported earnings, indicating high cash quality from core banking activities. This reliable cash generation supports loan growth, ordinary dividend capacity and liquidity management over coming months, even if free cash flow is volatile for other reasons.
Bears Say
Free Cash Flow CollapseA near-total drop in free cash flow signals a significant deterioration in available discretionary cash for capital allocation. Persistently weak FCF can constrain reinvestment, dividend policy or balance sheet strengthening, and raises questions about one-off vs structural drivers over the next several quarters.
Low Equity Ratio / LeverageA low equity ratio and material leverage are typical for banks but increase vulnerability to credit losses or market stress. Structurally, limited equity buffers can restrict growth via capital constraints and require careful liquidity and risk management to avoid regulatory or funding pressure over the medium term.
Modest Net MarginDespite very high gross margins, a sub-15% net margin implies elevated operating costs, credit costs or non-interest expenses that erode profitability. Persisting this gap would limit return on equity expansion and reduce resilience to rate or credit cycles in the coming months without cost or efficiency actions.
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 ¥356.00 and its highest was ¥1098.00 in the past 12 months.
What is North Pacific Bank, Ltd.’s market cap?
North Pacific Bank, Ltd.’s market cap is ¥357.28B.
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 51 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.
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.
Technical Analysis
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Options Prices
Currently, No data available
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