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North Pacific Bank,Ltd. (8524.T)
JPY1,233.00
+44.00 (+3.70%)
JP JPX Financial Services Banks - Regional
Address
7, Odori Nishi 3-chome 060-8661
Sapporo, JP
Sapporo, JP
CEO
Hironobu Tsuyama
Website
hokuyobank.co.jp
IPO
2012-10-01
ISIN JP3843400007
Description
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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
JPY1,233.00
+44.00 (+3.70%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.44
Float Shares
246.74M
Free Float %
65.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.20% | -0.80% | -4.54% | -2.47% | +33.47% | +12.26% | +66.22% | +241.03% | +271.80% | +264.94% | +335.68% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1,233.00
DCF (Unlevered)
7,111.06
+476.7%
DCF (Levered)
17,178.58
+1,293.2%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
50% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.20
Distress
Piotroski F-Score
9 / 9
Strong
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth+59.2% Q1'26: +141.4% (vs Q1'25)
-
EPS growth+26.2% Q1'26: -34.5% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +8.8% (vs Q1'25)
-
ROIC— Q1'26: -5.0% (vs Q1'25)
-
Share dilution-1.6% Q1'26: -1.3% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 44.88× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 2 EPS Ana. |
Mar 2027 1 Rev. Ana. 2 EPS Ana. |
Mar 2028 1 Rev. Ana. 2 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
140.80B
est: 142.50B (-1.2%)
|
142.96B
est: 149.86B (-4.6%)
|
144.78B
est: 141.50B (+2.3%)
|
140.88B
est: 134.27B (+4.9%)
|
134.76B
est: 140.30B (-4.0%)
|
125.13B
est: 83.60B (+49.7%)
|
131.27B
est: 81.60B (+60.9%)
|
117.72B
est: 80.20B (+46.8%)
|
121.27B
est: 123.60B (-1.9%)
|
129.68B
est: 127.12B (+2.0%)
|
146.52B
est: 88.00B (+66.5%)
|
175.20B
175.20B – 175.20B
+99.1% YoY
|
197.20B
197.20B – 197.20B
+12.6% YoY
|
234.80B
234.80B – 234.80B
+19.1% YoY
|
126.20B
126.20B – 126.20B
-46.3% YoY
|
129.60B
129.60B – 129.60B
+2.7% YoY
|
| EBITDA |
35.70B
est: 31.82B (+12.2%)
|
38.88B
est: 33.46B (+16.2%)
|
32.06B
est: 31.59B (+1.5%)
|
23.75B
est: 29.98B (-20.8%)
|
28.03B
est: 31.33B (-10.5%)
|
21.68B
est: 18.67B (+16.1%)
|
22.03B
est: 18.22B (+20.9%)
|
25.20B
est: 17.91B (+40.7%)
|
23.25B
est: 27.60B (-15.7%)
|
28.03B
est: 26.60B (+5.4%)
|
37.59B
est: 18.41B (+104.1%)
|
36.66B
36.66B – 36.66B
+99.1% YoY
|
41.27B
41.27B – 41.27B
+12.6% YoY
|
49.13B
49.13B – 49.13B
+19.1% YoY
|
26.41B
26.41B – 26.41B
-46.3% YoY
|
27.12B
27.12B – 27.12B
+2.7% YoY
|
| EBIT |
26.69B
est: 22.07B (+20.9%)
|
29.26B
est: 23.21B (+26.0%)
|
22.84B
est: 21.92B (+4.2%)
|
15.09B
est: 20.80B (-27.5%)
|
19.93B
est: 21.73B (-8.3%)
|
13.65B
est: 12.95B (+5.4%)
|
14.71B
est: 12.64B (+16.4%)
|
18.24B
est: 12.42B (+46.8%)
|
15.81B
est: 19.15B (-17.4%)
|
18.29B
est: 18.47B (-1.0%)
|
27.54B
est: 12.78B (+115.4%)
|
25.45B
25.45B – 25.45B
+99.1% YoY
|
28.65B
28.65B – 28.65B
+12.6% YoY
|
34.11B
34.11B – 34.11B
+19.1% YoY
|
18.33B
18.33B – 18.33B
-46.3% YoY
|
18.83B
18.83B – 18.83B
+2.7% YoY
|
| Net Income |
15.77B
est: 13.72B (+14.9%)
|
18.02B
est: 17.41B (+3.5%)
|
16.71B
est: 14.41B (+15.9%)
|
13.69B
est: 13.38B (+2.3%)
|
14.14B
est: 13.23B (+6.9%)
|
7.57B
est: 9.56B (-20.8%)
|
9.42B
est: 10.82B (-12.9%)
|
11.76B
est: 12.35B (-4.8%)
|
9.65B
est: 12.35B (-21.9%)
|
12.83B
est: 14.74B (-13.0%)
|
20.61B
est: 18.96B (+8.7%)
|
27.94B
26.95B – 28.93B
+47.4% YoY
|
33.68B
32.43B – 34.93B
+20.5% YoY
|
45.83B
42.02B – 49.64B
+36.1% YoY
|
43.46B
43.46B – 43.46B
-5.2% YoY
|
45.95B
45.95B – 45.95B
+5.7% YoY
|
| SGA |
34.73B
est: 79.34B (-56.2%)
|
34.61B
est: 83.44B (-58.5%)
|
35.29B
est: 78.79B (-55.2%)
|
34.49B
est: 74.76B (-53.9%)
|
32.95B
est: 78.12B (-57.8%)
|
32.40B
est: 46.55B (-30.4%)
|
32.03B
est: 45.44B (-29.5%)
|
29.28B
est: 44.66B (-34.4%)
|
29.81B
est: 68.82B (-56.7%)
|
29.78B
est: 29.76B (+0.1%)
|
29.66B
est: 20.60B (+44.0%)
|
41.02B
41.02B – 41.02B
+99.1% YoY
|
46.17B
46.17B – 46.17B
+12.6% YoY
|
54.97B
54.97B – 54.97B
+19.1% YoY
|
29.54B
29.54B – 29.54B
-46.3% YoY
|
30.34B
30.34B – 30.34B
+2.7% YoY
|
| EPS |
39.54
est: 35.90 (+10.1%)
|
45.16
est: 45.55 (-0.9%)
|
41.87
est: 37.70 (+11.1%)
|
34.30
est: 35.00 (-2.0%)
|
35.81
est: 34.61 (+3.5%)
|
19.40
est: 25.00 (-22.4%)
|
24.25
est: 28.30 (-14.3%)
|
30.26
est: 32.30 (-6.3%)
|
25.03
est: 32.30 (-22.5%)
|
33.33
est: 38.57 (-13.6%)
|
53.92
est: 49.60 (+8.7%)
|
73.10
70.51 – 75.69
+47.4% YoY
|
88.10
84.83 – 91.37
+20.5% YoY
|
119.90
109.94 – 129.86
+36.1% YoY
|
113.70
113.70 – 113.70
-5.2% YoY
|
120.20
120.20 – 120.20
+5.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-13 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-12 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-11 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-08 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-07 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
45.02B
OE per share TTM
118.23
Owner's Yield
11.98%
Maintenance CapEx ratio
29.77%
Maint CapEx / Avg PPE
58.9%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 82 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.34% | 1.08M | 0.31% |
| 2 | WisdomTree Japan SmallCap Dividend Fund DFJ | 0.30% | 1.15M | 0.58% |
| 3 | Dimensional - International Small Cap Value ETF DISV | 0.21% | 10.04M | 0.42% |
| 4 | Dimensional - International Small Cap ETF DFIS | 0.17% | 9.72M | 0.39% |
| 5 | State Street SPDR S&P International Small Cap ETF GWX | 0.15% | 1.30M | 0.40% |
| 6 | Avantis International Small Cap Value ETF AVDV | 0.15% | 28.28M | 0.36% |
| 7 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.14% | 810.8K | 0.58% |
| 8 | iShares MSCI Japan Small-Cap ETF SCJ | 0.14% | 366.0K | 0.50% |
| 9 | iShares International Small-Cap Equity Factor ETF ISCF | 0.11% | 734.7K | 0.24% |
| 10 | Avantis International Small Cap Equity ETF AVDS | 0.10% | 317.1K | 0.30% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
13.26M
Shares Outstanding
376.49M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Akihipo Takahashi | IR Contact (Head of International Division) | — | male |
| Akira Yamada | MD & Chief Risk Officer | — | male |
| Hironobu Tsuyama | President, Chief Executive Officer, CHRO & Representative Director | — | male |
| Hitoshi Masuda | Vice President, Chief Business Promotion Officer & Representative Director | — | male |
| Kazushi Yoneda | MD, Chief Strategy Officer & Chief Financial Officer | — | male |
| Kenichi Mizumoto | Senior Managing Executive Officer | — | — |
| Kiyoshi Fukuchi | Executive Officer & Chief Information Officer | — | — |
| Masahiro Miyahara | Managing Executive Officer | — | — |
| Takuji Nogiwa | Managing Executive Officer | — | — |
| Toshihiro Kodama | Managing Executive Officer | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for 8524.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
