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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¥634.00 - ¥1,268.00
Previous CloseN/A
Volume1.72M
Average Volume (3M)2.56M
Market Cap
¥464.25B
Enterprise Value-¥432.09B
Total Cash (Recent Filing)¥2.28T
Total Debt (Recent Filing)¥1.47T
Price to Earnings (P/E)17.6
Beta1.34
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.44%
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
Revenue AccelerationA 53% revenue surge materially expands the bank's earning base and increases operating leverage if sustained. This kind of top-line expansion can strengthen recurring net interest and fee income streams, improving the durability of earnings and the capacity to absorb cost shocks over coming months.
Improved Profitability / ROEROE improvement to ~6.6% signals better earnings power and execution versus prior years, reflecting higher profitability on the existing capital base. Sustained mid-single-digit ROE supports internal capital generation and indicates management progress in restoring franchise profitability over a multi-month horizon.
Traditional Deposit-lending Model With Fee IncomeA core deposit-taking and lending franchise supplemented by fee income provides diversified, predictable revenue streams typical of regional banks. Combined with a stable asset base of ~¥12.5–13.5T, this underpins lasting customer relationships and cash flow potential if interest and fee margins remain intact.
Bears Say
High And Rising LeverageDebt-to-equity at multi-year highs reduces financial flexibility and heightens sensitivity to funding cost swings. A leveraged capital structure constrains the bank's ability to grow risk-weighted assets, raises capitalization risk during stress, and limits capacity for sizable loan loss provisioning without external support.
Volatile, Weak Cash GenerationHighly inconsistent operating and free cash flows undermine predictability of internally generated funding for loans, dividends, and capital expenditures. Recurring negative cash conversion increases reliance on external funding and raises execution risk for strategy and balance-sheet repair over the next several months.
Recent Margin CompressionA drop in net profit margin from ~14.1% to ~11.0% amid revenue growth signals pressure on core spreads or rising costs. Persistent margin compression would limit the bank's ability to translate higher revenue into durable earnings, weakening capital accumulation and hindering reinvestment plans.
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 ¥634.00 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 ¥464.25B.
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 6 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 2.44%. 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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