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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¥703.00 - ¥1,400.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)1.44M
Market Cap
¥434.84B
Enterprise Value-¥318.53B
Total Cash (Recent Filing)¥2.07T
Total Debt (Recent Filing)¥1.33T
Price to Earnings (P/E)16.2
Beta1.40
Next Earnings
Nov 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.62%
Share Statistics
EPS (TTM)74.45
Shares Outstanding378,060,180
10 Day Avg. Volume1,725,160
30 Day Avg. Volume1,444,633
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
Revenue GrowthThe sharp 2026 revenue increase indicates stronger recent business activity and improved top-line momentum. If maintained, this expansion can broaden the earnings base, support operating investment, and strengthen the bank’s position across its regional lending and financial-services markets over the coming quarters.
Sustained ProfitabilityConsistent positive profitability demonstrates that the bank’s core financial-intermediation model is generating earnings across multiple periods. Continued profits provide internal resources for capital support, customer development, and investment in services, making the business more resilient than a company dependent on a single profitable year.
Improving Return On EquityThe improvement in return on equity suggests that the bank is using its capital base more effectively than in earlier years. Although the level remains moderate, a sustained improvement would enhance shareholder returns, support confidence in management’s operating execution, and improve the productivity of the balance sheet.
Bears Say
High LeverageThe elevated and volatile debt-to-equity ratio leaves the bank’s capital structure relatively debt-heavy for its earnings profile. This can reduce financial flexibility, increase sensitivity to credit and funding conditions, and constrain the capacity to absorb stress or pursue growth while maintaining balance-sheet stability.
Unpredictable Cash GenerationLarge swings in operating and free cash flow make the bank’s cash-generation profile difficult to predict over a multi-quarter period. The renewed negative turn in 2026 reduces confidence in internally generated liquidity, potentially limiting capital allocation flexibility and increasing reliance on balance-sheet funding when conditions weaken.
Margin CompressionThe margin decline shows that faster revenue growth is not translating fully into earnings efficiency. If this compression persists, incremental revenue will contribute less to profit growth, weakening operating leverage and limiting the durability of the bank’s improved earnings power even while the top line expands.
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 ¥703.00 and its highest was ¥1400.00 in the past 12 months.
What is North Pacific Bank, Ltd.’s market cap?
North Pacific Bank, Ltd.’s market cap is ¥434.84B.
When is North Pacific Bank, Ltd.’s upcoming earnings report date?
North Pacific Bank, Ltd.’s upcoming earnings report date is Nov 13, 2026 which is in 14 days.
How were North Pacific Bank, Ltd.’s earnings last quarter?
North Pacific Bank, Ltd. released its earnings results on Aug 05, 2026. The company reported ¥22.17 earnings per share for the quarter.
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 2.62%. 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 ¥22.17 in its last earnings report. Following the earnings report the stock price went up 5.739%.
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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