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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¥636.00 - ¥1,268.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥425.29B
Enterprise Value-¥432.09B
Total Cash (Recent Filing)¥2.28T
Total Debt (Recent Filing)¥1.47T
Price to Earnings (P/E)17.0
Beta1.36
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.55%
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
Stable Business Model (NII + Fees)The bank’s core earnings derive from net interest income and fee-based services, a diversified revenue base typical of regional banks. This mix supports recurring income across interest-rate cycles and provides fee cushions that help stabilize earnings and funding needs over months.
Material Revenue Acceleration In 2026A >50% revenue jump in 2026 signals meaningful business momentum—likely from loan growth, fee expansion or securities income. If driven by sustainable lending/fee activity rather than one-offs, this strengthens core earning power and supports higher recurring profitability across the medium term.
Improving Return On EquityROE moving higher indicates the franchise is converting revenue into shareholder returns more effectively than prior years. Improved profitability relative to capital suggests better operational leverage or asset mix, helping internal capital accumulation and dividend capacity over coming quarters.
Bears Say
High And Volatile LeverageElevated and fluctuating leverage raises solvency and funding risk and reduces capital flexibility. A debt-heavy structure amplifies earnings volatility, increases sensitivity to rate and credit shocks, and may constrain lending or capital returns if regulatory or market funding conditions tighten.
Inconsistent Cash GenerationErratic operating and free cash flows undermine predictability of debt servicing, reinvestment and dividends. Repeated negative cash flow years force reliance on external funding or asset sales, increasing refinancing risk and weakening the durability of profits over the medium term.
Margin Compression In 2026A notable margin decline despite revenue growth suggests rising funding costs, weaker asset yields or higher operating expenses. Sustained margin pressure would erode cash generation and return metrics, limiting the bank’s ability to build capital and support lending growth over coming quarters.
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 ¥636.00 and its highest was ¥1268.00 in the past 12 months.
What is North Pacific Bank, Ltd.’s market cap?
North Pacific Bank, Ltd.’s market cap is ¥425.29B.
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 3 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 2.55%. 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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