Revenue GrowthSustained double-digit revenue growth (20.9%) indicates expanding core lending and fee activities. Over a 2–6 month horizon, this supports higher scale, strengthens deposit and loan franchise economics, and provides a durable base to fund investments and absorb cost pressures.

High Gross MarginAn exceptionally high gross margin (93.7%) reflects efficient interest spread and low direct cost of earning assets. This structural efficiency provides resilience to margin compression and helps sustain earnings even if funding costs rise or loan mix shifts over the medium term.

Stable Capital / Manageable LeverageA measurable equity position with debt-to-equity of 4.47 shows leverage is within a manageable range for a regional bank. Together with a positive ROE (5.42%), the balance sheet has structural capacity to support lending growth and regulatory buffers over coming months.

Bears Say

Sharp Free Cash Flow DropA near-total drop in free cash flow (-96.6%) materially reduces internal funding for dividends, buybacks, or reinvestment. This poses a structural risk to capital allocation and could constrain balance sheet flexibility and strategic initiatives over the next several quarters.

Low Equity Ratio / Liability RelianceAn equity ratio of 2.83% signals limited capital relative to liabilities. While common in banking, this low buffer leaves the franchise more sensitive to credit losses or market stress and increases the need for prudent capital management in the medium term.

Modest Net Profit MarginDespite strong top-line and gross margins, a modest net margin (14.9%) implies higher operating costs, provisions, or noninterest expenses. This limits conversion of revenue gains into durable bottom-line improvement absent structural expense or credit-cost reductions.

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...

4M 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...

10M 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 ¥1098.00 in the past 12 months.

What is North Pacific Bank, Ltd.’s market cap?

North Pacific Bank, Ltd.’s market cap is ¥368.68B.

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 72 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.