Consistent Revenue GrowthSustained double-digit revenue growth demonstrates durable demand for lending and fee services across the bank's regional franchise. Over 2-6 months this supports scale advantages, funding of digital/channel investments, and stronger earnings resilience versus stagnant peers.

Very High Gross Profit MarginA gross margin near 94% reflects low direct costs and efficient core banking operations, enabling the bank to absorb credit costs or invest in growth without immediate margin pressure. This structural efficiency supports long-term profitability stability.

Strong Operating Cash ConversionOperating cash flow well above net income indicates high quality earnings and reliable internal funding. Durable cash conversion underpins lending capacity, dividend coverage and reduces reliance on external funding over the medium term.

Bears Say

Severe Free Cash Flow DeclineA near-total drop in free cash flow signals a structural stress in post-operating liquidity available for capex, debt reduction, or shareholder distributions. If sustained, this constrains capital allocation flexibility and weakens buffers against credit or funding shocks.

Very Low Equity Ratio / Liability RelianceAn equity ratio under 3% means the bank depends heavily on deposits and borrowings versus capital. This structural leverage raises sensitivity to deposit runs, regulatory capital needs or market funding stress, limiting risk-taking and growth without new capital.

Modest ROE And Constrained Net MarginROE around 5.4% and mid-teens net margin suggest limited profitability upside versus peers. Structurally modest returns reduce capacity to retain earnings for capital build and may pressure shareholder returns if credit costs or funding spreads widen.

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 92 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.