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¥465.00 - ¥1,098.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥341.85B
Enterprise Value¥159.09B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥889.59B
Price to Earnings (P/E)10.2
Beta1.47
Next Earnings
May 19, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.01%
Share Statistics
EPS (TTM)20.82
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% reflects expanding lending and fee activity within the bank's regional franchise. Over a 2–6 month horizon this indicates durable demand for loans and deposits, supporting net interest income and providing a structural base for future earnings.
High Gross MarginAn exceptionally high gross margin implies the bank retains most revenue after direct costs, reflecting favorable interest spreads or low direct funding costs. This structural margin advantage supports sustained profitability even if loan growth moderates, improving resilience across business cycles.
Operating Cash ConversionOperating cash conversion near 2x indicates earnings are backed by cash, enhancing the bank's ability to fund lending, meet regulatory needs, and support distributions without relying solely on new wholesale funding. This is a durable indicator of core cash-generative capacity.
Bears Say
Free Cash Flow CollapseA near-total drop in free cash flow reduces financial flexibility for dividends, buybacks, or strategic investments. If this decline persists it could constrain capital allocation, force reprioritization of projects, or necessitate external financing, harming long-term growth execution.
Thin Equity BaseA low equity ratio creates a limited capital cushion typical in regional banking but increases vulnerability to credit stress or market shocks. Over months this structural thinness could pressure regulatory metrics or require capital-raising if asset quality weakens, limiting strategic optionality.
Modest Net MarginWhile revenue and gross margin are strong, a mid-teens net margin indicates operating costs or non-interest expenses are compressing returns. Without efficiency gains or higher spreads, sustained margin improvement and higher shareholder returns may be difficult 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 ¥465.00 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 ¥341.85B.
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 23 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.
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.
Technical Analysis
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Options Prices
Currently, No data available
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