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North Pacific Bank,Ltd. logo

North Pacific Bank,Ltd.

8524.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥1,233

−¥28.00 · -2.22%

Aug 24, 1:25 PM JST

8524.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hironobu Tsuyama
Listed since
Oct 1, 2012
Employees
2,828

Market position

Day range

Current ¥1,233

52-week range

Current ¥1,233

Open
¥1,275
Previous close
¥1,261
Volume
685K
0.3× average
Average volume
2.27M
Average daily volume
Market cap
461.29B JPY
Beta
0.42
Market reference 1
50-day average
¥1,161.12
+6.19% above average
200-day average
¥988.72
+24.71% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-464.55B JPY
P/E (TTM)
16.56×
P/B (TTM)
1.17×
P/S (TTM)
1.78×
EV / EBITDA
-12.52×
Earnings yield
7.28%
Free cash flow yield
-109.73%
Dividend yield
2.39%

Profitability & efficiency

Gross margin
88.88%
Operating margin
15.55%
Net margin
10.80%
Return on equity
6.61%
Return on assets
0.19%
Return on invested capital
0.19%

Financial health

Debt / equity
3.38×
Current ratio
2.83×
Altman Z-score
0.2
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%70%35%-1%Gross margin, FY2021: 96.85%Gross margin, FY2022: 94.33%Gross margin, FY2023: 95.12%Gross margin, FY2024: 91.85%Gross margin, FY2025: 87.21%Operating margin, FY2021: 15.50%Operating margin, FY2022: 13.04%Operating margin, FY2023: 14.10%Operating margin, FY2024: 18.80%Operating margin, FY2025: 15.91%Net margin, FY2021: 9.99%Net margin, FY2022: 7.95%Net margin, FY2023: 9.89%Net margin, FY2024: 14.06%Net margin, FY2025: 10.98%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.85%. Gross margin FY2022 94.33%. Gross margin FY2023 95.12%. Gross margin FY2024 91.85%. Gross margin FY2025 87.21%. Operating margin FY2021 15.50%. Operating margin FY2022 13.04%. Operating margin FY2023 14.10%. Operating margin FY2024 18.80%. Operating margin FY2025 15.91%. Net margin FY2021 9.99%. Net margin FY2022 7.95%. Net margin FY2023 9.89%. Net margin FY2024 14.06%. Net margin FY2025 10.98%.

Income trends

Revenue

233.22B JPY+59.17%

Operating income

37.11B JPY+34.75%

Net income

25.6B JPY+24.23%
Income trends across reported periods255.58B JPY166.15B JPY76.72B JPY−12.71B JPYRevenue, FY2021: 117.72B JPYRevenue, FY2022: 121.27B JPYRevenue, FY2023: 129.68B JPYRevenue, FY2024: 146.52B JPYRevenue, FY2025: 233.22B JPYOperating income, FY2021: 18.24B JPYOperating income, FY2022: 15.81B JPYOperating income, FY2023: 18.29B JPYOperating income, FY2024: 27.54B JPYOperating income, FY2025: 37.11B JPYNet income, FY2021: 11.76B JPYNet income, FY2022: 9.65B JPYNet income, FY2023: 12.83B JPYNet income, FY2024: 20.61B JPYNet income, FY2025: 25.6B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 117.72B JPY. Revenue FY2022 121.27B JPY. Revenue FY2023 129.68B JPY. Revenue FY2024 146.52B JPY. Revenue FY2025 233.22B JPY. Operating income FY2021 18.24B JPY. Operating income FY2022 15.81B JPY. Operating income FY2023 18.29B JPY. Operating income FY2024 27.54B JPY. Operating income FY2025 37.11B JPY. Net income FY2021 11.76B JPY. Net income FY2022 9.65B JPY. Net income FY2023 12.83B JPY. Net income FY2024 20.61B JPY. Net income FY2025 25.6B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue233.22B JPY146.52B JPY129.68B JPY121.27B JPY117.72B JPY
Cost of goods sold29.83B JPY11.94B JPY6.33B JPY6.88B JPY3.7B JPY
Gross profit203.39B JPY134.58B JPY123.36B JPY114.38B JPY114.01B JPY
Selling, general, and administrative—29.66B JPY29.78B JPY29.81B JPY29.28B JPY
Operating expenses166.28B JPY107.04B JPY105.07B JPY98.57B JPY95.77B JPY
Interest income118.49B JPY86.53B JPY71.56B JPY69.4B JPY68.71B JPY
Interest expense25.38B JPY8.71B JPY1.08B JPY1.62B JPY885M JPY
Depreciation and amortization—10.04B JPY9.75B JPY7.44B JPY6.95B JPY
Operating income37.11B JPY27.54B JPY18.29B JPY15.81B JPY18.24B JPY
Net income25.6B JPY20.61B JPY12.83B JPY9.65B JPY11.76B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
22.17

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates23.2717.9512.627.3Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 8.4, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 10, 2025: actual 10.81, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 21.05, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 5, 2025: actual 15.69, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 17.7, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 10, 2026: actual 20.82, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 13, 2026: actual 13.84, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 5, 2026: actual 22.17, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates100.81B79.1B57.4B35.69BQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 10, 2025: actual 40.18B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 41.76B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 5, 2025: actual 43.81B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 45.23B JPY, estimate 43.18B JPY, surprise +4.76%, Beat. Q1 2026, reported Feb 10, 2026: actual 50.57B JPY, estimate 49.6B JPY, surprise +1.96%, Beat. Q2 2026, reported May 13, 2026: actual 96.32B JPY, estimate 92.91B JPY, surprise +3.67%, Beat. Q3 2026, reported Aug 5, 2026: actual 71.67B JPY, estimate 72.71B JPY, surprise -1.43%, Miss. Q4 2026, reported Nov 17, 2026: actual —, estimate 76.19B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥32.00

2025 complete year+220.0% since 2021

2026 partial: ¥16.50

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥8.00

Quarterly

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Dec 29, 2026

¥8.00

Quarterly

Record Dec 31, 2026 · Payment Dec 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥8.00

Quarterly

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Jun 29, 2026

¥8.00

Quarterly

Record Jun 30, 2026 · Payment Sep 1, 2026

Dividend

Ex-dividend Mar 30, 2026

¥8.50

Quarterly

Record Mar 31, 2026 · Payment Jun 26, 2026

Dividend

Ex-dividend Dec 29, 2025

¥6.50

Quarterly

Record Dec 31, 2025 · Payment Mar 6, 2026

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ETFs holding 8524.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
818.01M
Weight
0.03%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥4180.00%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
36.65M
Weight
0.01%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
27.14M
Weight
0.14%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
23.23M
Weight
0.01%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
19.31M
Weight
0.01%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
10.1M
Weight
0.17%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.545+0.71%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
9.63M
Weight
0.19%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
9.15M
Weight
0.06%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%

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