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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¥568.00 - ¥1,133.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥409.48B
Enterprise Value-¥432.09B
Total Cash (Recent Filing)¥2.39T
Total Debt (Recent Filing)¥889.59B
Price to Earnings (P/E)16.4
Beta1.32
Next Earnings
Aug 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.01%
Share Statistics
EPS (TTM)55.99
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
Sharp Revenue Acceleration In 2026A >50% revenue jump in 2026 indicates meaningful top‑line traction versus prior years. If structural (loan growth, fees), this expands the bank's earning base and supports operating leverage, improving medium‑term earnings resilience and reinvestment capacity.
Improving Profitability / ROEROE recovery to mid-single digits and sustained positive profits show the franchise is regaining earnings power after earlier weakness. Improved profitability helps rebuild capital buffers and demonstrates the business can generate shareholder returns when combined with revenue growth.
Stable Asset Scale And Traditional Banking ModelA stable ¥12.5–13.5T asset base and core net‑interest/fee model reflect a steady regional deposit and lending franchise. This scale provides predictable customer flows, diversified NII/fee streams, and a platform for incremental revenue growth and cross‑sell over the medium term.
Bears Say
High And Volatile LeverageElevated and swinging debt‑to‑equity increases financial risk and reduces capital flexibility. For a regional bank with modest ROE, higher leverage raises sensitivity to credit losses, interest‑rate swings and regulatory capital constraints, limiting durable resilience.
Highly Inconsistent Cash GenerationLarge swings in operating and free cash flow undermine predictability of internal funding, dividends and loan growth. Volatile cash conversion raises refinancing risk, complicates strategic planning, and reduces confidence in sustainable cash returns to stakeholders.
Margin Compression Despite Revenue GainsA ~3 percentage point margin decline while revenue rose suggests rising funding costs or operating pressure. Compression erodes the quality of growth, meaning higher top line may not translate into proportionate net income improvement over the medium term.
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 ¥568.00 and its highest was ¥1133.00 in the past 12 months.
What is North Pacific Bank, Ltd.’s market cap?
North Pacific Bank, Ltd.’s market cap is ¥409.48B.
When is North Pacific Bank, Ltd.’s upcoming earnings report date?
North Pacific Bank, Ltd.’s upcoming earnings report date is Aug 10, 2026 which is in 39 days.
How were North Pacific Bank, Ltd.’s earnings last quarter?
North Pacific Bank, Ltd. released its earnings results on May 13, 2026. The company reported ¥13.84 earnings per share for the quarter, beating the consensus estimate of N/A by ¥13.84.
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 ¥7.937 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 ¥13.84 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.798%.
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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Options Prices
Currently, No data available
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