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North Pacific Bank, Ltd. (JP:8524)
:8524
Japanese Market
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North Pacific Bank, Ltd. (8524) AI Stock Analysis

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JP:8524

North Pacific Bank, Ltd.

(8524)

Rating:68Neutral
Price Target:
¥728.00
▲(0.83% Upside)
North Pacific Bank, Ltd. demonstrates a stable financial performance with strong revenue growth and efficient cost management. The stock's attractive valuation suggests potential for appreciation despite technical indicators warning of an overbought condition. The absence of earnings call data and corporate events does not impact the overall score.

North Pacific Bank, Ltd. (8524) vs. iShares MSCI Japan ETF (EWJ)

North Pacific Bank, Ltd. Business Overview & Revenue Model

Company DescriptionNorth Pacific Bank,Ltd. provides various banking products and services for individuals and corporations in Japan. It offers deposits and negotiable certificates of deposit, as well as loans. The company also provides ATM, foreign exchange, investment trust, consultation, and trust business. As of March 31, 2021, it operated 171 branches and 3 overseas offices. The company was formerly known as Hokuyo Sogo Bank, Ltd. and changed its name to North Pacific Bank,Ltd. in 1989. North Pacific Bank,Ltd. was incorporated in 1917 and is headquartered in Sapporo, Japan.
How the Company Makes MoneyNorth Pacific Bank, Ltd. generates revenue primarily through interest income from loans and advances to customers. This includes personal loans, mortgages, and business loans to small and medium-sized enterprises. Additionally, the bank earns significant fees and commissions from various financial services, including credit card transactions, asset management, and advisory services. The bank also benefits from investment income, derived from its investment portfolio, which includes securities and other financial instruments. Strategic partnerships with other financial institutions and technology companies further enhance its service offerings and contribute to its revenue streams. The bank's focus on the Hokkaido region allows it to maintain a strong customer base, leveraging local market knowledge to drive profitability.

North Pacific Bank, Ltd. Financial Statement Overview

Summary
North Pacific Bank, Ltd. demonstrates solid financial performance with strong revenue growth and high gross profit margins. However, the bank's heavy reliance on liabilities and the sharp decline in free cash flow highlight areas needing improvement in cash flow management and operational efficiency.
Income Statement
78
Positive
North Pacific Bank, Ltd. shows robust revenue growth, with the latest annual revenue increasing by 15.9% compared to the previous year. The gross profit margin remains high at 93.71%, reflecting efficient cost management. However, the net profit margin of 14.87% suggests room for improvement in operational efficiency and cost control.
Balance Sheet
71
Positive
The bank maintains a stable equity position with a debt-to-equity ratio of 4.47, indicating manageable leverage. The equity ratio is 2.83%, suggesting a heavy reliance on liabilities, which is typical for banks but could pose risks if not managed carefully. The return on equity is solid at 5.42%, though there is potential for higher returns.
Cash Flow
65
Positive
Operating cash flow remains strong, but there was a significant decline in free cash flow compared to the previous year, with a decrease of 96.58%. The operating cash flow to net income ratio is 1.89, showing sufficient cash generation relative to earnings. Nevertheless, the sharp drop in free cash flow growth raises concerns about cash allocation and capital expenditures.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue138.45B138.57B126.53B118.95B112.98B116.99B
Gross Profit138.38B129.87B126.53B118.95B117.14B115.08B
EBITDA19.69B37.59B28.03B23.25B25.20B22.03B
Net Income20.61B20.61B12.83B9.65B11.76B9.42B
Balance Sheet
Total Assets13.45T13.45T13.24T12.52T13.54T11.86T
Cash, Cash Equivalents and Short-Term Investments2.65T2.65T3.06T2.80T4.34T2.63T
Total Debt1.70T1.70T1.53T941.78B2.00T1.03T
Total Liabilities13.06T13.06T12.80T12.11T13.12T11.42T
Stockholders Equity380.48B380.48B442.68B403.35B416.81B436.05B
Cash Flow
Free Cash Flow33.66B33.66B983.81B-1.37T1.73T1.16T
Operating Cash Flow39.05B39.05B988.14B-1.36T1.74T1.17T
Investing Cash Flow-328.51B-328.51B-703.01B-172.00B-16.14B-171.64B
Financing Cash Flow-9.05B-9.05B-19.16B-4.82B-4.03B-32.28B

North Pacific Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price722.00
Price Trends
50DMA
646.97
Positive
100DMA
588.93
Positive
200DMA
525.72
Positive
Market Momentum
MACD
20.07
Negative
RSI
61.81
Neutral
STOCH
53.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8524, the sentiment is Positive. The current price of 722 is above the 20-day moving average (MA) of 692.50, above the 50-day MA of 646.97, and above the 200-day MA of 525.72, indicating a bullish trend. The MACD of 20.07 indicates Negative momentum. The RSI at 61.81 is Neutral, neither overbought nor oversold. The STOCH value of 53.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8524.

North Pacific Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
68
Neutral
¥263.55B12.82
3.53%15.11%44.89%
$1.48B12.973.62%3.11%
$887.67M8.71%
$1.98B14.816.41%
77
Outperform
¥205.60B9.49
3.28%-3.29%3.26%
72
Outperform
¥215.97B6.99
2.25%10.75%16.98%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8524
North Pacific Bank, Ltd.
722.00
346.51
92.28%
HYKUF
Hyakugo Bank
5.80
2.11
57.18%
KIYOF
Kiyo Bank
SRGBF
Suruga Bank
10.05
2.17
27.54%
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
7,120.00
3,022.71
73.77%
JP:7380
Juroku Financial Group,Inc.
5,480.00
1,612.08
41.68%

North Pacific Bank, Ltd. Corporate Events

North Pacific Bank Revises Stock Compensation Plan to Enhance Sustainability
May 13, 2025

North Pacific Bank, Ltd. announced a revision to its performance-linked stock compensation plan for directors and executive officers, aiming to align their remuneration with the bank’s business performance and shareholder value. The revision includes the addition of non-financial indicators to promote sustainability and corporate value enhancement, reflecting the bank’s commitment to sustainable growth and operational efficiency.

North Pacific Bank Announces Board Restructuring
May 13, 2025

North Pacific Bank, Ltd. announced changes to its board of directors, effective June 26, 2025. These changes include the appointment of Shirou Kurio as a new director and audit and supervisory committee member, reflecting the bank’s commitment to strengthening its governance structure. The restructured board aims to enhance strategic oversight and operational efficiency, potentially impacting the bank’s market positioning and stakeholder relations positively.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 25, 2025