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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¥634.00 - ¥1,233.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥447.34B
Enterprise Value-¥432.09B
Total Cash (Recent Filing)¥2.28T
Total Debt (Recent Filing)¥1.47T
Price to Earnings (P/E)17.9
Beta1.34
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.42%
Share Statistics
EPS (TTM)67.97
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
Revenue Growth AccelerationA large revenue acceleration in 2026 materially expands the bank's earning base and indicates stronger lending/fee activity. Over a 2–6 month horizon this growth supports recurring net interest and fee income, improving capacity to rebuild reserves and reinvest in core franchises if sustained.
Improved Return On EquityROE moving to mid-single digits demonstrates better conversion of equity into profit versus prior years, reflecting operational improvements or higher net interest margins. A sustained improvement increases internal capital generation and reduces reliance on external funding over the medium term.
Stable Regional Banking Franchise And Asset BaseA core regional bank model focused on deposit-taking, lending and fee services provides predictable, diversified revenue streams. Stable asset size signals an established market position and steady scale to support lending activities and fee businesses across economic cycles.
Bears Say
High And Volatile LeverageElevated debt-to-equity increases solvency and funding risk relative to earnings power; swings in leverage amplify vulnerability to interest-rate moves or credit stress. Over months this constrains capital actions (dividends, buybacks) and heightens sensitivity to adverse balance-sheet shocks.
Inconsistent And Weak Cash GenerationHighly volatile operating and free cash flows reduce predictability of internal funding for loans, reserves, and shareholder returns. Repeated negative cash flow episodes undermine confidence in underlying earnings quality and complicate medium-term liquidity and capital planning.
Recent Margin CompressionA meaningful margin decline despite strong top-line growth suggests rising funding costs or competitive pressure on spreads. If margins remain compressed, revenue growth will translate less efficiently into lasting profitability, weakening the bank's ability to strengthen capital organically.
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 ¥634.00 and its highest was ¥1233.00 in the past 12 months.
What is North Pacific Bank, Ltd.’s market cap?
North Pacific Bank, Ltd.’s market cap is ¥447.34B.
When is North Pacific Bank, Ltd.’s upcoming earnings report date?
North Pacific Bank, Ltd.’s upcoming earnings report date is Aug 05, 2026 which is in 9 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 ¥8 which represents an annual dividend yield of 2.42%. 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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