North Pacific Bank, Ltd. (JP:8524)
:8524
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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¥562.00 - ¥1,098.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥365.74B
Enterprise Value-¥443.69B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥889.59B
Price to Earnings (P/E)13.7
Beta1.46
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 Ratio0.16
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)88.1
Revenue Forecast (FY)¥197.20B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained revenue growth of ~15.9% indicates durable demand for lending and deposit services across its franchise. Over 2–6 months this supports loan book expansion, higher fee opportunities and scalability of branch/digital channels, underpinning repeatable top-line momentum.
High Gross MarginA very high gross margin (93.71%) reflects efficient interest/asset yield management and low direct costs. This margin buffer helps absorb credit volatility and supports sustained profitability through economic cycles, enabling reinvestment in services and digital capabilities.
Operating Cash GenerationOperating cash flow remains strong with an OCF-to-net-income ratio of 1.89, showing earnings convert well to cash. Reliable cash generation improves the bank's ability to fund lending, satisfy liquidity needs, pay dividends, and invest in technology without excessive external funding.
Bears Say
Free Cash Flow DropA near-100% drop in free cash flow is a structural red flag for capital allocation. Over months it can limit the bank's flexibility to fund franchise growth, cushion credit stress, return capital to shareholders or invest in strategic projects without increasing leverage or cutting costs.
Low Equity Ratio / LeverageA thin equity ratio (2.83%) with material leverage raises sensitivity to loan losses or market shocks. In a 2–6 month horizon this constrains room for balance-sheet growth, may require capital raises under stress, and tightens regulatory/capital management priorities.
Modest Net ProfitabilityNet margin near 14.9% suggests limited operational leverage relative to peers. Persistently modest margins reduce the buffer against credit costs and compress reinvestment capacity, potentially slowing ROE improvement and constraining long-term earnings resilience.
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 ¥562.00 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 ¥365.74B.
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 83 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 ¥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 ¥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. (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
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