North Pacific BankLtd（2PT）株式概要北洋銀行は、日本の個人および法人向けに様々な銀行商品やサービスを提供している。 詳細2PT ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長3/6過去の実績4/6財務の健全性4/6配当金3/6報酬収益は年間17.24%増加すると予測されています 過去1年間で収益は24.2%増加しました リスク分析不安定な配当実績 すべてのリスクチェックを見る2PT Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW480,107 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA480,107 investors already sharing narrativesYour Fair Value€Current Price€5.8012.9% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture0286b2016201920222025202620282031Revenue JP¥286.3bEarnings JP¥35.6bAdvancedSet Fair ValueView all narrativesNorth Pacific Bank,Ltd. 競合他社ProCredit HoldingSymbol: XTRA:PCZMarket cap: €483.0mFirst BuseySymbol: NasdaqGS:BUSEMarket cap: US$2.5bBeacon FinancialSymbol: NYSE:BBTMarket cap: US$2.5bAichi Financial GroupSymbol: TSE:7389Market cap: JP¥448.9b価格と性能株価の高値、安値、推移の概要North Pacific BankLtd過去の株価現在の株価JP¥5.8052週高値JP¥6.2552週安値JP¥3.44ベータ0.421ヶ月の変化11.54%3ヶ月変化30.04%1年変化60.22%3年間の変化218.68%5年間の変化225.66%IPOからの変化274.92%最新ニュースDeclared Dividend • Jun 28Fourth quarter dividend of JP¥8.00 announcedShareholders will receive a dividend of JP¥8.00. Ex-date: 29th June 2026 Payment date: 1st September 2026 Dividend yield will be 149%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 9.4% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 66% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Jun 19North Pacific Bank,Ltd. to Report Q1, 2027 Results on Aug 05, 2026North Pacific Bank,Ltd. announced that they will report Q1, 2027 results on Aug 05, 2026Board Change • Jun 11Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 9 experienced directors. 1 highly experienced director. 5 independent directors (6 non-independent directors). Independent Chairperson of the Board Toshiaki Kobe was the last independent director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.お知らせ • May 28North Pacific Bank,Ltd. announces Quarterly dividend, payable on September 01, 2026North Pacific Bank,Ltd. announced Quarterly dividend of JPY 8.0000 per share payable on September 01, 2026, ex-date on June 29, 2026 and record date on June 30, 2026.お知らせ • May 13North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026.お知らせ • May 10North Pacific Bank,Ltd. to Report Fiscal Year 2026 Results on May 13, 2026North Pacific Bank,Ltd. announced that they will report fiscal year 2026 results on May 13, 2026最新情報をもっと見るRecent updatesDeclared Dividend • Jun 28Fourth quarter dividend of JP¥8.00 announcedShareholders will receive a dividend of JP¥8.00. Ex-date: 29th June 2026 Payment date: 1st September 2026 Dividend yield will be 149%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 9.4% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 66% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Jun 19North Pacific Bank,Ltd. to Report Q1, 2027 Results on Aug 05, 2026North Pacific Bank,Ltd. announced that they will report Q1, 2027 results on Aug 05, 2026Board Change • Jun 11Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 9 experienced directors. 1 highly experienced director. 5 independent directors (6 non-independent directors). Independent Chairperson of the Board Toshiaki Kobe was the last independent director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.お知らせ • May 28North Pacific Bank,Ltd. announces Quarterly dividend, payable on September 01, 2026North Pacific Bank,Ltd. announced Quarterly dividend of JPY 8.0000 per share payable on September 01, 2026, ex-date on June 29, 2026 and record date on June 30, 2026.お知らせ • May 13North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026.お知らせ • May 10North Pacific Bank,Ltd. to Report Fiscal Year 2026 Results on May 13, 2026North Pacific Bank,Ltd. announced that they will report fiscal year 2026 results on May 13, 2026お知らせ • Apr 22North Pacific Bank,Ltd. (TSE:8524) completed the acquisition of 85.85% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.5 billion.North Pacific Bank,Ltd. (TSE:8524) proposed to acquire remaining 97.58% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.7 billion on March 3, 2026. A cash consideration valued at ¥1755 per share will be paid by North Pacific Bank,Ltd. As part of consideration, an undisclosed value is paid towards common equity of CAREER BANK Co., Ltd. Upon completion, North Pacific Bank,Ltd. will own 100% stake in CAREER BANK Co., Ltd. The transaction is subject to obtaining permits, approvals from the relevant authorities and minimum tender. The expected completion of the transaction is April 21, 2026. North Pacific Bank,Ltd. (TSE:8524) completed the acquisition of 85.85% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.5 billion on April 21, 2026. As a result of the Tender Offer, the Target Company will become a consolidated subsidiary of the Tender Offeror on April 28, 2026 (the commencement date of settlement of the Tender Offer).お知らせ • Mar 03North Pacific Bank,Ltd. (TSE:8524) proposed to acquire remaining 97.58% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.7 billion.North Pacific Bank,Ltd. (TSE:8524) proposed to acquire remaining 97.58% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.7 billion on March 3, 2026. A cash consideration valued at ¥1755 per share will be paid by North Pacific Bank,Ltd. As part of consideration, an undisclosed value is paid towards common equity of CAREER BANK Co., Ltd. Upon completion, North Pacific Bank,Ltd. will own 100% stake in CAREER BANK Co., Ltd. The transaction is subject to obtaining permits, approvals from the relevant authorities and minimum tender. The expected completion of the transaction is April 21, 2026.お知らせ • Feb 11North Pacific Bank,Ltd. announces Quarterly dividend, payable on June 29, 2026North Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share payable on June 29, 2026, ex-date on March 30, 2026 and record date on March 31, 2026.お知らせ • Jan 29North Pacific Bank,Ltd. (TSE:8524) announces an Equity Buyback for 3,200,000 shares, representing 0.85% for ¥2,400 million.North Pacific Bank,Ltd. (TSE:8524) announces a share repurchase program. Under the program, the company will repurchase up to 3,200,000 shares, representing 0.84% of its share capital, for ¥2,400 million. The purpose of the program is to enhance shareholder returns and to improve capital efficiency. The program will expire on March 31, 2026. As of December 31, 2025, the company had 376,495,160 shares in issue (excluding treasury stock) and 1,565,019 shares in treasury.お知らせ • Dec 05North Pacific Bank,Ltd. to Report Q3, 2026 Results on Feb 10, 2026North Pacific Bank,Ltd. announced that they will report Q3, 2026 results on Feb 10, 2026お知らせ • Nov 12North Pacific Bank,Ltd. announces Quarterly dividendNorth Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share, ex-date on December 29, 2025 and record date on December 31, 2025.お知らせ • Sep 04North Pacific Bank,Ltd. to Report Q2, 2026 Results on Nov 11, 2025North Pacific Bank,Ltd. announced that they will report Q2, 2026 results on Nov 11, 2025お知らせ • Aug 06North Pacific Bank,Ltd. announces Quarterly dividend, payable on December 03, 2025North Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share payable on December 03, 2025, ex-date on September 29, 2025 and record date on September 30, 2025.お知らせ • Jun 13North Pacific Bank,Ltd. to Report Q1, 2026 Results on Aug 05, 2025North Pacific Bank,Ltd. announced that they will report Q1, 2026 results on Aug 05, 2025お知らせ • Jun 12North Pacific Bank,Ltd. announces Quarterly dividendNorth Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share, ex-date on June 27, 2025 and record date on June 30, 2025.お知らせ • May 13North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2025North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2025.お知らせ • Mar 20North Pacific Bank,Ltd. to Report Fiscal Year 2025 Results on May 13, 2025North Pacific Bank,Ltd. announced that they will report fiscal year 2025 results on May 13, 2025お知らせ • Feb 20North Pacific Bank,Ltd. (TSE:8524) announces an Equity Buyback for 8,000,000 shares, representing 2.09% for ¥3,200 million.North Pacific Bank,Ltd. (TSE:8524) announces a share repurchase program. Under the program, the company will repurchase up to 8,000,000 shares, representing 2.09% of its share capital, for ¥3,200 million. The purpose of the program is to enhance shareholder returns and to improve capital efficiency. The program will expire on April 30, 2025. As of December 31, 2024, the company had 382,717,995 shares in issue (excluding treasury stock) and 16,342,184 shares in treasury.お知らせ • Dec 17North Pacific Bank,Ltd. to Report Q3, 2025 Results on Feb 10, 2025North Pacific Bank,Ltd. announced that they will report Q3, 2025 results on Feb 10, 2025Reported Earnings • Nov 17Second quarter 2025 earnings releasedSecond quarter 2025 results: Revenue: JP¥33.3b (up 13% from 2Q 2024). Net income: JP¥3.21b (down 5.9% from 2Q 2024). Profit margin: 9.6% (down from 12% in 2Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has increased by 15% per year, which means it is tracking significantly ahead of earnings growth.Buy Or Sell Opportunity • Nov 07Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 4.3% to €2.42. The fair value is estimated to be €1.98, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.Upcoming Dividend • Sep 20Upcoming dividend of JP¥6.50 per shareEligible shareholders must have bought the stock before 27 September 2024. Payment date: 04 December 2024. Payout ratio is a comfortable 26% and this is well supported by cash flows. Trailing yield: 3.3%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.4%).お知らせ • Sep 20North Pacific Bank,Ltd. to Report Q2, 2025 Results on Nov 12, 2024North Pacific Bank,Ltd. announced that they will report Q2, 2025 results on Nov 12, 2024Buy Or Sell Opportunity • Aug 17Now 25% overvaluedOver the last 90 days, the stock has fallen 14% to €2.72. The fair value is estimated to be €2.18, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.Reported Earnings • Aug 07First quarter 2025 earnings released: EPS: JP¥13.66 (vs JP¥8.38 in 1Q 2024)First quarter 2025 results: EPS: JP¥13.66 (up from JP¥8.38 in 1Q 2024). Revenue: JP¥33.0b (up 1.9% from 1Q 2024). Net income: JP¥5.24b (up 62% from 1Q 2024). Profit margin: 16% (up from 10.0% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has increased by 6% per year.Valuation Update With 7 Day Price Move • Aug 05Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €2.32, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 40% over the past three years.New Risk • Aug 03New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.0% average weekly change).お知らせ • Jun 26North Pacific Bank,Ltd. to Report Q1, 2025 Results on Aug 05, 2024North Pacific Bank,Ltd. announced that they will report Q1, 2025 results on Aug 05, 2024Reported Earnings • May 19Full year 2024 earnings released: EPS: JP¥33.33 (vs JP¥25.03 in FY 2023)Full year 2024 results: EPS: JP¥33.33 (up from JP¥25.03 in FY 2023). Revenue: JP¥126.5b (up 6.4% from FY 2023). Net income: JP¥12.8b (up 33% from FY 2023). Profit margin: 10% (up from 8.1% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • May 18Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €3.18, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 91% over the past three years.お知らせ • May 16North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2024North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2024.お知らせ • May 15North Pacific Bank,Ltd. (TSE:8524) announces an Equity Buyback for 3,940,000 shares, representing 1.02% for ¥1,300 million.North Pacific Bank,Ltd. (TSE:8524) announces a share repurchase program. Under the program, the company will repurchase up to 3,940,000 shares, representing 1.02% of its share capital, for ¥1,300 million. The purpose of the program is to enhance shareholder returns and to improve capital efficiency. The program will expire on June 28, 2024. As of March 31, 2024, the company had 384,743,974 shares in issue (excluding treasury stock) and 14,316,205 shares in treasury.New Risk • Apr 18New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.9% average weekly change).お知らせ • Mar 24North Pacific Bank,Ltd. to Report Fiscal Year 2024 Results on May 14, 2024North Pacific Bank,Ltd. announced that they will report fiscal year 2024 results on May 14, 2024Upcoming Dividend • Mar 21Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 28 March 2024. Payment date: 28 June 2024. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.6%).Valuation Update With 7 Day Price Move • Feb 29Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €2.38, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 30% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.03 per share.Reported Earnings • Feb 11Third quarter 2024 earnings released: EPS: JP¥8.78 (vs JP¥8.32 in 3Q 2023)Third quarter 2024 results: EPS: JP¥8.78 (up from JP¥8.32 in 3Q 2023). Revenue: JP¥34.2b (up 16% from 3Q 2023). Net income: JP¥3.38b (up 5.5% from 3Q 2023). Profit margin: 9.9% (in line with 3Q 2023). Revenue is forecast to grow 5.8% p.a. on average during the next 3 years, compared to a 2.5% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.お知らせ • Dec 16North Pacific Bank,Ltd. to Report Q3, 2024 Results on Feb 08, 2024North Pacific Bank,Ltd. announced that they will report Q3, 2024 results on Feb 08, 2024Reported Earnings • Nov 16Second quarter 2024 earnings released: EPS: JP¥8.87 (vs JP¥5.89 in 2Q 2023)Second quarter 2024 results: EPS: JP¥8.87 (up from JP¥5.89 in 2Q 2023). Revenue: JP¥31.9b (up 7.8% from 2Q 2023). Net income: JP¥3.42b (up 51% from 2Q 2023). Profit margin: 11% (up from 7.7% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.9% p.a. on average during the next 3 years, compared to a 2.0% growth forecast for the Banks industry in Europe.Upcoming Dividend • Sep 21Upcoming dividend of JP¥5.00 per share at 2.6% yieldEligible shareholders must have bought the stock before 28 September 2023. Payment date: 04 December 2023. Payout ratio is a comfortable 50% but the company is not cash flow positive. Trailing yield: 2.6%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (6.0%).お知らせ • Sep 14North Pacific Bank,Ltd. to Report Q2, 2024 Results on Nov 13, 2023North Pacific Bank,Ltd. announced that they will report Q2, 2024 results on Nov 13, 2023New Risk • Aug 11New major risk - Revenue and earnings growthEarnings have declined by 3.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 3.4% per year over the past 5 years. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (6.5% net profit margin).New Risk • Aug 08New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 6.4% Last year net profit margin: 11% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (6.4% net profit margin).Reported Earnings • Aug 08First quarter 2024 earnings released: EPS: JP¥8.38 (vs JP¥13.56 in 1Q 2023)First quarter 2024 results: EPS: JP¥8.38 (down from JP¥13.56 in 1Q 2023). Revenue: JP¥32.5b (up 1.9% from 1Q 2023). Net income: JP¥3.23b (down 38% from 1Q 2023). Profit margin: 9.9% (down from 16% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.7% p.a. on average during the next 2 years, compared to a 3.7% growth forecast for the Banks industry in Europe.お知らせ • Jun 23North Pacific Bank,Ltd. to Report Q1, 2024 Results on Aug 07, 2023North Pacific Bank,Ltd. announced that they will report Q1, 2024 results on Aug 07, 2023Reported Earnings • May 17Full year 2023 earnings released: EPS: JP¥25.03 (vs JP¥30.26 in FY 2022)Full year 2023 results: EPS: JP¥25.03 (down from JP¥30.26 in FY 2022). Revenue: JP¥119.7b (up 2.1% from FY 2022). Net income: JP¥9.65b (down 18% from FY 2022). Profit margin: 8.1% (down from 10.0% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.0% p.a. on average during the next 2 years, compared to a 3.1% growth forecast for the Banks industry in Europe.Upcoming Dividend • Mar 23Upcoming dividend of JP¥5.00 per share at 3.6% yieldEligible shareholders must have bought the stock before 30 March 2023. Payment date: 29 June 2023. Payout ratio is a comfortable 33% but the company is not cash flow positive. Trailing yield: 3.6%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.1%).Reported Earnings • Feb 12Third quarter 2023 earnings released: EPS: JP¥8.32 (vs JP¥11.88 in 3Q 2022)Third quarter 2023 results: EPS: JP¥8.32 (down from JP¥11.88 in 3Q 2022). Revenue: JP¥32.7b (up 18% from 3Q 2022). Net income: JP¥3.20b (down 31% from 3Q 2022). Profit margin: 9.8% (down from 17% in 3Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.8% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in Europe.お知らせ • Dec 21North Pacific Bank,Ltd. to Report Q3, 2023 Results on Feb 08, 2023North Pacific Bank,Ltd. announced that they will report Q3, 2023 results on Feb 08, 2023Reported Earnings • Nov 16Second quarter 2023 earnings released: EPS: JP¥5.89 (vs JP¥4.82 in 2Q 2022)Second quarter 2023 results: EPS: JP¥5.89 (up from JP¥4.82 in 2Q 2022). Revenue: JP¥31.7b (up 5.3% from 2Q 2022). Net income: JP¥2.27b (up 21% from 2Q 2022). Profit margin: 7.1% (up from 6.2% in 2Q 2022). The increase in margin was driven by higher revenue.Board Change • Nov 16Less than half of directors are independentThere are 7 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 4 independent directors. 7 non-independent directors. External Independent Director Makiko Sasaki was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.Reported Earnings • Nov 13Second quarter 2023 earnings released: EPS: JP¥5.89 (vs JP¥4.82 in 2Q 2022)Second quarter 2023 results: EPS: JP¥5.89 (up from JP¥4.82 in 2Q 2022). Revenue: JP¥31.7b (up 5.3% from 2Q 2022). Net income: JP¥2.27b (up 21% from 2Q 2022). Profit margin: 7.1% (up from 6.2% in 2Q 2022). The increase in margin was driven by higher revenue.Upcoming Dividend • Sep 22Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 29 September 2022. Payment date: 08 December 2022. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.3%).お知らせ • Sep 14North Pacific Bank,Ltd. to Report Q2, 2023 Results on Nov 11, 2022North Pacific Bank,Ltd. announced that they will report Q2, 2023 results on Nov 11, 2022Reported Earnings • Aug 07First quarter 2023 earnings released: EPS: JP¥13.56 (vs JP¥11.21 in 1Q 2022)First quarter 2023 results: EPS: JP¥13.56 (up from JP¥11.21 in 1Q 2022). Revenue: JP¥33.4b (up 3.1% from 1Q 2022). Net income: JP¥5.24b (up 20% from 1Q 2022). Profit margin: 16% (up from 13% in 1Q 2022).お知らせ • Jun 17North Pacific Bank,Ltd. to Report Q1, 2023 Results on Aug 05, 2022North Pacific Bank,Ltd. announced that they will report Q1, 2023 results on Aug 05, 2022Reported Earnings • May 18Full year 2022 earnings released: EPS: JP¥30.26 (vs JP¥24.25 in FY 2021)Full year 2022 results: EPS: JP¥30.26 (up from JP¥24.25 in FY 2021). Revenue: JP¥120.4b (down 4.3% from FY 2021). Net income: JP¥11.8b (up 25% from FY 2021). Profit margin: 9.8% (up from 7.5% in FY 2021). The increase in margin was driven by lower expenses.お知らせ • May 18North Pacific Bank,Ltd., Annual General Meeting, Jun 28, 2022North Pacific Bank,Ltd., Annual General Meeting, Jun 28, 2022.Board Change • Apr 27Less than half of directors are independentThere are 5 new directors who have joined the board in the last 3 years. Of these new board members, 2 were independent directors. The company's board is composed of: 4 independent directors. 8 non-independent directors. Independent Director Naoki Nishita was the last independent director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.お知らせ • Apr 08North Pacific Bank,Ltd. to Report Fiscal Year 2022 Results on May 13, 2022North Pacific Bank,Ltd. announced that they will report fiscal year 2022 results on May 13, 2022Upcoming Dividend • Mar 23Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 30 March 2022. Payment date: 28 June 2022. Payout ratio is a comfortable 34% and this is well supported by cash flows. Trailing yield: 3.9%. Within top quartile of German dividend payers (3.6%). Lower than average of industry peers (5.7%).Reported Earnings • Feb 09Third quarter 2022 earnings: Revenues and EPS in line with analyst expectationsThird quarter 2022 results: EPS: JP¥11.88 (up from JP¥6.19 in 3Q 2021). Revenue: JP¥30.0b (down 2.6% from 3Q 2021). Net income: JP¥4.62b (up 92% from 3Q 2021). Profit margin: 15% (up from 7.8% in 3Q 2021). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates.お知らせ • Feb 09North Pacific Bank Ltd. Provides Non-Consolidated Earnings Guidance for the Year Ending March 31, 2022North Pacific Bank Ltd. provided non-consolidated earnings guidance for the year ending March 31, 2022. For the year, the company expects ordinary income to be JPY 98,700 million. Net income to be JPY 11,800 million.Reported Earnings • Nov 11Second quarter 2022 earnings released: EPS JP¥4.82 (vs JP¥5.90 in 2Q 2021)The company reported a poor second quarter result with weaker earnings and profit margins, although revenues were flat. Second quarter 2022 results: Revenue: JP¥31.7b (flat on 2Q 2021). Net income: JP¥1.87b (down 18% from 2Q 2021). Profit margin: 5.9% (down from 7.2% in 2Q 2021).Upcoming Dividend • Sep 22Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 29 September 2021. Payment date: 08 December 2021. Trailing yield: 3.9%. Within top quartile of German dividend payers (3.2%). Higher than average of industry peers (3.4%).Reported Earnings • Aug 08First quarter 2022 earnings released: EPS JP¥11.21 (vs JP¥10.87 in 1Q 2021)The company reported a mediocre first quarter result with weaker revenues, although profit margins were flat and earnings improved. First quarter 2022 results: Revenue: JP¥32.7b (down 3.2% from 1Q 2021). Net income: JP¥4.35b (up 2.9% from 1Q 2021). Profit margin: 13% (in line with 1Q 2021).Reported Earnings • May 14Full year 2021 earnings released: EPS JP¥24.25 (vs JP¥19.40 in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: JP¥125.8b (up 1.0% from FY 2020). Net income: JP¥9.42b (up 25% from FY 2020). Profit margin: 7.5% (up from 6.1% in FY 2020).Reported Earnings • Feb 10Third quarter 2021 earnings released: EPS JP¥6.19 (vs JP¥5.26 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: JP¥35.6b (up 14% from 3Q 2020). Net income: JP¥2.40b (up 17% from 3Q 2020). Profit margin: 6.7% (up from 6.6% in 3Q 2020). The increase in margin was driven by higher revenue.株主還元2PTDE BanksDE 市場7D-1.7%2.1%0.1%1Y60.2%44.5%-0.5%株主還元を見る業界別リターン: 2PT過去 1 年間で44.5 % の収益を上げたGerman Banks業界を上回りました。リターン対市場: 2PT過去 1 年間で-0.5 % の収益を上げたGerman市場を上回りました。価格変動Is 2PT's price volatile compared to industry and market?2PT volatility2PT Average Weekly Movement5.5%Banks Industry Average Movement3.4%Market Average Movement5.3%10% most volatile stocks in DE Market12.7%10% least volatile stocks in DE Market2.7%安定した株価: 2PT 、 German市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: 2PTの 週次ボラティリティ ( 5% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト19172,828Hirotsune Tsuyamawww.hokuyobank.co.jp北洋銀行は日本の個人および法人向けに様々な銀行商品やサービスを提供している。預金や譲渡性預金のほか、住宅、自動車、教育、リフォーム、カードローンなどのローンを提供している。また、保険、ATM、外国為替、投資信託、コンサルティング、信託業務などのサービスも提供している。前身は北洋相互銀行で、1989年に北洋銀行に商号変更。北洋銀行は1917年に設立され、札幌に本社を置く。もっと見るNorth Pacific Bank,Ltd. 基礎のまとめNorth Pacific BankLtd の収益と売上を時価総額と比較するとどうか。2PT 基礎統計学時価総額€2.43b収益（TTM）€137.35m売上高(TTM)€1.10b17.7xPER（株価収益率1.2xPBR（株価純資産倍率2PT は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計2PT 損益計算書（TTM）収益JP¥205.74b売上原価JP¥0売上総利益JP¥205.74bその他の費用JP¥180.14b収益JP¥25.60b直近の収益報告Mar 31, 2026次回決算日Aug 05, 2026一株当たり利益（EPS）68.43グロス・マージン100.00%純利益率12.44%有利子負債／自己資本比率374.4%2PT の長期的なパフォーマンスは？過去の実績と比較を見る配当金2.6%現在の配当利回り41%配当性向2PT 配当は確実ですか？2PT 配当履歴とベンチマークを見る2PT 、いつまでに購入すれば配当金を受け取れますか？North Pacific BankLtd 配当日配当落ち日Jun 29 2026配当支払日Sep 01 2026配当落ちまでの日数25 days配当支払日までの日数39 days2PT 配当は確実ですか？2PT 配当履歴とベンチマークを見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/23 01:54終値2026/07/23 00:00収益2026/03/31年間収益2026/03/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋North Pacific Bank,Ltd. 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。2 アナリスト機関Ken TakamiyaNomura Securities Co. Ltd.Masahiko SatoSMBC NIKKO
Declared Dividend • Jun 28Fourth quarter dividend of JP¥8.00 announcedShareholders will receive a dividend of JP¥8.00. Ex-date: 29th June 2026 Payment date: 1st September 2026 Dividend yield will be 149%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 9.4% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 66% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Jun 19North Pacific Bank,Ltd. to Report Q1, 2027 Results on Aug 05, 2026North Pacific Bank,Ltd. announced that they will report Q1, 2027 results on Aug 05, 2026
Board Change • Jun 11Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 9 experienced directors. 1 highly experienced director. 5 independent directors (6 non-independent directors). Independent Chairperson of the Board Toshiaki Kobe was the last independent director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
お知らせ • May 28North Pacific Bank,Ltd. announces Quarterly dividend, payable on September 01, 2026North Pacific Bank,Ltd. announced Quarterly dividend of JPY 8.0000 per share payable on September 01, 2026, ex-date on June 29, 2026 and record date on June 30, 2026.
お知らせ • May 13North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026.
お知らせ • May 10North Pacific Bank,Ltd. to Report Fiscal Year 2026 Results on May 13, 2026North Pacific Bank,Ltd. announced that they will report fiscal year 2026 results on May 13, 2026
Declared Dividend • Jun 28Fourth quarter dividend of JP¥8.00 announcedShareholders will receive a dividend of JP¥8.00. Ex-date: 29th June 2026 Payment date: 1st September 2026 Dividend yield will be 149%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 9.4% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 66% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Jun 19North Pacific Bank,Ltd. to Report Q1, 2027 Results on Aug 05, 2026North Pacific Bank,Ltd. announced that they will report Q1, 2027 results on Aug 05, 2026
Board Change • Jun 11Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 9 experienced directors. 1 highly experienced director. 5 independent directors (6 non-independent directors). Independent Chairperson of the Board Toshiaki Kobe was the last independent director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
お知らせ • May 28North Pacific Bank,Ltd. announces Quarterly dividend, payable on September 01, 2026North Pacific Bank,Ltd. announced Quarterly dividend of JPY 8.0000 per share payable on September 01, 2026, ex-date on June 29, 2026 and record date on June 30, 2026.
お知らせ • May 13North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026North Pacific Bank,Ltd., Annual General Meeting, Jun 25, 2026.
お知らせ • May 10North Pacific Bank,Ltd. to Report Fiscal Year 2026 Results on May 13, 2026North Pacific Bank,Ltd. announced that they will report fiscal year 2026 results on May 13, 2026
お知らせ • Apr 22North Pacific Bank,Ltd. (TSE:8524) completed the acquisition of 85.85% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.5 billion.North Pacific Bank,Ltd. (TSE:8524) proposed to acquire remaining 97.58% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.7 billion on March 3, 2026. A cash consideration valued at ¥1755 per share will be paid by North Pacific Bank,Ltd. As part of consideration, an undisclosed value is paid towards common equity of CAREER BANK Co., Ltd. Upon completion, North Pacific Bank,Ltd. will own 100% stake in CAREER BANK Co., Ltd. The transaction is subject to obtaining permits, approvals from the relevant authorities and minimum tender. The expected completion of the transaction is April 21, 2026. North Pacific Bank,Ltd. (TSE:8524) completed the acquisition of 85.85% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.5 billion on April 21, 2026. As a result of the Tender Offer, the Target Company will become a consolidated subsidiary of the Tender Offeror on April 28, 2026 (the commencement date of settlement of the Tender Offer).
お知らせ • Mar 03North Pacific Bank,Ltd. (TSE:8524) proposed to acquire remaining 97.58% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.7 billion.North Pacific Bank,Ltd. (TSE:8524) proposed to acquire remaining 97.58% stake in CAREER BANK Co., Ltd. (SPSE:4834) from group of sellers for ¥1.7 billion on March 3, 2026. A cash consideration valued at ¥1755 per share will be paid by North Pacific Bank,Ltd. As part of consideration, an undisclosed value is paid towards common equity of CAREER BANK Co., Ltd. Upon completion, North Pacific Bank,Ltd. will own 100% stake in CAREER BANK Co., Ltd. The transaction is subject to obtaining permits, approvals from the relevant authorities and minimum tender. The expected completion of the transaction is April 21, 2026.
お知らせ • Feb 11North Pacific Bank,Ltd. announces Quarterly dividend, payable on June 29, 2026North Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share payable on June 29, 2026, ex-date on March 30, 2026 and record date on March 31, 2026.
お知らせ • Jan 29North Pacific Bank,Ltd. (TSE:8524) announces an Equity Buyback for 3,200,000 shares, representing 0.85% for ¥2,400 million.North Pacific Bank,Ltd. (TSE:8524) announces a share repurchase program. Under the program, the company will repurchase up to 3,200,000 shares, representing 0.84% of its share capital, for ¥2,400 million. The purpose of the program is to enhance shareholder returns and to improve capital efficiency. The program will expire on March 31, 2026. As of December 31, 2025, the company had 376,495,160 shares in issue (excluding treasury stock) and 1,565,019 shares in treasury.
お知らせ • Dec 05North Pacific Bank,Ltd. to Report Q3, 2026 Results on Feb 10, 2026North Pacific Bank,Ltd. announced that they will report Q3, 2026 results on Feb 10, 2026
お知らせ • Nov 12North Pacific Bank,Ltd. announces Quarterly dividendNorth Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share, ex-date on December 29, 2025 and record date on December 31, 2025.
お知らせ • Sep 04North Pacific Bank,Ltd. to Report Q2, 2026 Results on Nov 11, 2025North Pacific Bank,Ltd. announced that they will report Q2, 2026 results on Nov 11, 2025
お知らせ • Aug 06North Pacific Bank,Ltd. announces Quarterly dividend, payable on December 03, 2025North Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share payable on December 03, 2025, ex-date on September 29, 2025 and record date on September 30, 2025.
お知らせ • Jun 13North Pacific Bank,Ltd. to Report Q1, 2026 Results on Aug 05, 2025North Pacific Bank,Ltd. announced that they will report Q1, 2026 results on Aug 05, 2025
お知らせ • Jun 12North Pacific Bank,Ltd. announces Quarterly dividendNorth Pacific Bank,Ltd. announced Quarterly dividend of JPY 6.5000 per share, ex-date on June 27, 2025 and record date on June 30, 2025.
お知らせ • May 13North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2025North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2025.
お知らせ • Mar 20North Pacific Bank,Ltd. to Report Fiscal Year 2025 Results on May 13, 2025North Pacific Bank,Ltd. announced that they will report fiscal year 2025 results on May 13, 2025
お知らせ • Feb 20North Pacific Bank,Ltd. (TSE:8524) announces an Equity Buyback for 8,000,000 shares, representing 2.09% for ¥3,200 million.North Pacific Bank,Ltd. (TSE:8524) announces a share repurchase program. Under the program, the company will repurchase up to 8,000,000 shares, representing 2.09% of its share capital, for ¥3,200 million. The purpose of the program is to enhance shareholder returns and to improve capital efficiency. The program will expire on April 30, 2025. As of December 31, 2024, the company had 382,717,995 shares in issue (excluding treasury stock) and 16,342,184 shares in treasury.
お知らせ • Dec 17North Pacific Bank,Ltd. to Report Q3, 2025 Results on Feb 10, 2025North Pacific Bank,Ltd. announced that they will report Q3, 2025 results on Feb 10, 2025
Reported Earnings • Nov 17Second quarter 2025 earnings releasedSecond quarter 2025 results: Revenue: JP¥33.3b (up 13% from 2Q 2024). Net income: JP¥3.21b (down 5.9% from 2Q 2024). Profit margin: 9.6% (down from 12% in 2Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has increased by 15% per year, which means it is tracking significantly ahead of earnings growth.
Buy Or Sell Opportunity • Nov 07Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 4.3% to €2.42. The fair value is estimated to be €1.98, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.
Upcoming Dividend • Sep 20Upcoming dividend of JP¥6.50 per shareEligible shareholders must have bought the stock before 27 September 2024. Payment date: 04 December 2024. Payout ratio is a comfortable 26% and this is well supported by cash flows. Trailing yield: 3.3%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.4%).
お知らせ • Sep 20North Pacific Bank,Ltd. to Report Q2, 2025 Results on Nov 12, 2024North Pacific Bank,Ltd. announced that they will report Q2, 2025 results on Nov 12, 2024
Buy Or Sell Opportunity • Aug 17Now 25% overvaluedOver the last 90 days, the stock has fallen 14% to €2.72. The fair value is estimated to be €2.18, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.
Reported Earnings • Aug 07First quarter 2025 earnings released: EPS: JP¥13.66 (vs JP¥8.38 in 1Q 2024)First quarter 2025 results: EPS: JP¥13.66 (up from JP¥8.38 in 1Q 2024). Revenue: JP¥33.0b (up 1.9% from 1Q 2024). Net income: JP¥5.24b (up 62% from 1Q 2024). Profit margin: 16% (up from 10.0% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has increased by 6% per year.
Valuation Update With 7 Day Price Move • Aug 05Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €2.32, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 40% over the past three years.
New Risk • Aug 03New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.0% average weekly change).
お知らせ • Jun 26North Pacific Bank,Ltd. to Report Q1, 2025 Results on Aug 05, 2024North Pacific Bank,Ltd. announced that they will report Q1, 2025 results on Aug 05, 2024
Reported Earnings • May 19Full year 2024 earnings released: EPS: JP¥33.33 (vs JP¥25.03 in FY 2023)Full year 2024 results: EPS: JP¥33.33 (up from JP¥25.03 in FY 2023). Revenue: JP¥126.5b (up 6.4% from FY 2023). Net income: JP¥12.8b (up 33% from FY 2023). Profit margin: 10% (up from 8.1% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • May 18Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €3.18, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 91% over the past three years.
お知らせ • May 16North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2024North Pacific Bank,Ltd., Annual General Meeting, Jun 26, 2024.
お知らせ • May 15North Pacific Bank,Ltd. (TSE:8524) announces an Equity Buyback for 3,940,000 shares, representing 1.02% for ¥1,300 million.North Pacific Bank,Ltd. (TSE:8524) announces a share repurchase program. Under the program, the company will repurchase up to 3,940,000 shares, representing 1.02% of its share capital, for ¥1,300 million. The purpose of the program is to enhance shareholder returns and to improve capital efficiency. The program will expire on June 28, 2024. As of March 31, 2024, the company had 384,743,974 shares in issue (excluding treasury stock) and 14,316,205 shares in treasury.
New Risk • Apr 18New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.9% average weekly change).
お知らせ • Mar 24North Pacific Bank,Ltd. to Report Fiscal Year 2024 Results on May 14, 2024North Pacific Bank,Ltd. announced that they will report fiscal year 2024 results on May 14, 2024
Upcoming Dividend • Mar 21Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 28 March 2024. Payment date: 28 June 2024. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.6%).
Valuation Update With 7 Day Price Move • Feb 29Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €2.38, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 30% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.03 per share.
Reported Earnings • Feb 11Third quarter 2024 earnings released: EPS: JP¥8.78 (vs JP¥8.32 in 3Q 2023)Third quarter 2024 results: EPS: JP¥8.78 (up from JP¥8.32 in 3Q 2023). Revenue: JP¥34.2b (up 16% from 3Q 2023). Net income: JP¥3.38b (up 5.5% from 3Q 2023). Profit margin: 9.9% (in line with 3Q 2023). Revenue is forecast to grow 5.8% p.a. on average during the next 3 years, compared to a 2.5% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.
お知らせ • Dec 16North Pacific Bank,Ltd. to Report Q3, 2024 Results on Feb 08, 2024North Pacific Bank,Ltd. announced that they will report Q3, 2024 results on Feb 08, 2024
Reported Earnings • Nov 16Second quarter 2024 earnings released: EPS: JP¥8.87 (vs JP¥5.89 in 2Q 2023)Second quarter 2024 results: EPS: JP¥8.87 (up from JP¥5.89 in 2Q 2023). Revenue: JP¥31.9b (up 7.8% from 2Q 2023). Net income: JP¥3.42b (up 51% from 2Q 2023). Profit margin: 11% (up from 7.7% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.9% p.a. on average during the next 3 years, compared to a 2.0% growth forecast for the Banks industry in Europe.
Upcoming Dividend • Sep 21Upcoming dividend of JP¥5.00 per share at 2.6% yieldEligible shareholders must have bought the stock before 28 September 2023. Payment date: 04 December 2023. Payout ratio is a comfortable 50% but the company is not cash flow positive. Trailing yield: 2.6%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (6.0%).
お知らせ • Sep 14North Pacific Bank,Ltd. to Report Q2, 2024 Results on Nov 13, 2023North Pacific Bank,Ltd. announced that they will report Q2, 2024 results on Nov 13, 2023
New Risk • Aug 11New major risk - Revenue and earnings growthEarnings have declined by 3.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 3.4% per year over the past 5 years. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (6.5% net profit margin).
New Risk • Aug 08New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 6.4% Last year net profit margin: 11% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (6.4% net profit margin).
Reported Earnings • Aug 08First quarter 2024 earnings released: EPS: JP¥8.38 (vs JP¥13.56 in 1Q 2023)First quarter 2024 results: EPS: JP¥8.38 (down from JP¥13.56 in 1Q 2023). Revenue: JP¥32.5b (up 1.9% from 1Q 2023). Net income: JP¥3.23b (down 38% from 1Q 2023). Profit margin: 9.9% (down from 16% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.7% p.a. on average during the next 2 years, compared to a 3.7% growth forecast for the Banks industry in Europe.
お知らせ • Jun 23North Pacific Bank,Ltd. to Report Q1, 2024 Results on Aug 07, 2023North Pacific Bank,Ltd. announced that they will report Q1, 2024 results on Aug 07, 2023
Reported Earnings • May 17Full year 2023 earnings released: EPS: JP¥25.03 (vs JP¥30.26 in FY 2022)Full year 2023 results: EPS: JP¥25.03 (down from JP¥30.26 in FY 2022). Revenue: JP¥119.7b (up 2.1% from FY 2022). Net income: JP¥9.65b (down 18% from FY 2022). Profit margin: 8.1% (down from 10.0% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.0% p.a. on average during the next 2 years, compared to a 3.1% growth forecast for the Banks industry in Europe.
Upcoming Dividend • Mar 23Upcoming dividend of JP¥5.00 per share at 3.6% yieldEligible shareholders must have bought the stock before 30 March 2023. Payment date: 29 June 2023. Payout ratio is a comfortable 33% but the company is not cash flow positive. Trailing yield: 3.6%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.1%).
Reported Earnings • Feb 12Third quarter 2023 earnings released: EPS: JP¥8.32 (vs JP¥11.88 in 3Q 2022)Third quarter 2023 results: EPS: JP¥8.32 (down from JP¥11.88 in 3Q 2022). Revenue: JP¥32.7b (up 18% from 3Q 2022). Net income: JP¥3.20b (down 31% from 3Q 2022). Profit margin: 9.8% (down from 17% in 3Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.8% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in Europe.
お知らせ • Dec 21North Pacific Bank,Ltd. to Report Q3, 2023 Results on Feb 08, 2023North Pacific Bank,Ltd. announced that they will report Q3, 2023 results on Feb 08, 2023
Reported Earnings • Nov 16Second quarter 2023 earnings released: EPS: JP¥5.89 (vs JP¥4.82 in 2Q 2022)Second quarter 2023 results: EPS: JP¥5.89 (up from JP¥4.82 in 2Q 2022). Revenue: JP¥31.7b (up 5.3% from 2Q 2022). Net income: JP¥2.27b (up 21% from 2Q 2022). Profit margin: 7.1% (up from 6.2% in 2Q 2022). The increase in margin was driven by higher revenue.
Board Change • Nov 16Less than half of directors are independentThere are 7 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 4 independent directors. 7 non-independent directors. External Independent Director Makiko Sasaki was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.
Reported Earnings • Nov 13Second quarter 2023 earnings released: EPS: JP¥5.89 (vs JP¥4.82 in 2Q 2022)Second quarter 2023 results: EPS: JP¥5.89 (up from JP¥4.82 in 2Q 2022). Revenue: JP¥31.7b (up 5.3% from 2Q 2022). Net income: JP¥2.27b (up 21% from 2Q 2022). Profit margin: 7.1% (up from 6.2% in 2Q 2022). The increase in margin was driven by higher revenue.
Upcoming Dividend • Sep 22Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 29 September 2022. Payment date: 08 December 2022. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.3%).
お知らせ • Sep 14North Pacific Bank,Ltd. to Report Q2, 2023 Results on Nov 11, 2022North Pacific Bank,Ltd. announced that they will report Q2, 2023 results on Nov 11, 2022
Reported Earnings • Aug 07First quarter 2023 earnings released: EPS: JP¥13.56 (vs JP¥11.21 in 1Q 2022)First quarter 2023 results: EPS: JP¥13.56 (up from JP¥11.21 in 1Q 2022). Revenue: JP¥33.4b (up 3.1% from 1Q 2022). Net income: JP¥5.24b (up 20% from 1Q 2022). Profit margin: 16% (up from 13% in 1Q 2022).
お知らせ • Jun 17North Pacific Bank,Ltd. to Report Q1, 2023 Results on Aug 05, 2022North Pacific Bank,Ltd. announced that they will report Q1, 2023 results on Aug 05, 2022
Reported Earnings • May 18Full year 2022 earnings released: EPS: JP¥30.26 (vs JP¥24.25 in FY 2021)Full year 2022 results: EPS: JP¥30.26 (up from JP¥24.25 in FY 2021). Revenue: JP¥120.4b (down 4.3% from FY 2021). Net income: JP¥11.8b (up 25% from FY 2021). Profit margin: 9.8% (up from 7.5% in FY 2021). The increase in margin was driven by lower expenses.
お知らせ • May 18North Pacific Bank,Ltd., Annual General Meeting, Jun 28, 2022North Pacific Bank,Ltd., Annual General Meeting, Jun 28, 2022.
Board Change • Apr 27Less than half of directors are independentThere are 5 new directors who have joined the board in the last 3 years. Of these new board members, 2 were independent directors. The company's board is composed of: 4 independent directors. 8 non-independent directors. Independent Director Naoki Nishita was the last independent director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.
お知らせ • Apr 08North Pacific Bank,Ltd. to Report Fiscal Year 2022 Results on May 13, 2022North Pacific Bank,Ltd. announced that they will report fiscal year 2022 results on May 13, 2022
Upcoming Dividend • Mar 23Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 30 March 2022. Payment date: 28 June 2022. Payout ratio is a comfortable 34% and this is well supported by cash flows. Trailing yield: 3.9%. Within top quartile of German dividend payers (3.6%). Lower than average of industry peers (5.7%).
Reported Earnings • Feb 09Third quarter 2022 earnings: Revenues and EPS in line with analyst expectationsThird quarter 2022 results: EPS: JP¥11.88 (up from JP¥6.19 in 3Q 2021). Revenue: JP¥30.0b (down 2.6% from 3Q 2021). Net income: JP¥4.62b (up 92% from 3Q 2021). Profit margin: 15% (up from 7.8% in 3Q 2021). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates.
お知らせ • Feb 09North Pacific Bank Ltd. Provides Non-Consolidated Earnings Guidance for the Year Ending March 31, 2022North Pacific Bank Ltd. provided non-consolidated earnings guidance for the year ending March 31, 2022. For the year, the company expects ordinary income to be JPY 98,700 million. Net income to be JPY 11,800 million.
Reported Earnings • Nov 11Second quarter 2022 earnings released: EPS JP¥4.82 (vs JP¥5.90 in 2Q 2021)The company reported a poor second quarter result with weaker earnings and profit margins, although revenues were flat. Second quarter 2022 results: Revenue: JP¥31.7b (flat on 2Q 2021). Net income: JP¥1.87b (down 18% from 2Q 2021). Profit margin: 5.9% (down from 7.2% in 2Q 2021).
Upcoming Dividend • Sep 22Upcoming dividend of JP¥5.00 per shareEligible shareholders must have bought the stock before 29 September 2021. Payment date: 08 December 2021. Trailing yield: 3.9%. Within top quartile of German dividend payers (3.2%). Higher than average of industry peers (3.4%).
Reported Earnings • Aug 08First quarter 2022 earnings released: EPS JP¥11.21 (vs JP¥10.87 in 1Q 2021)The company reported a mediocre first quarter result with weaker revenues, although profit margins were flat and earnings improved. First quarter 2022 results: Revenue: JP¥32.7b (down 3.2% from 1Q 2021). Net income: JP¥4.35b (up 2.9% from 1Q 2021). Profit margin: 13% (in line with 1Q 2021).
Reported Earnings • May 14Full year 2021 earnings released: EPS JP¥24.25 (vs JP¥19.40 in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: JP¥125.8b (up 1.0% from FY 2020). Net income: JP¥9.42b (up 25% from FY 2020). Profit margin: 7.5% (up from 6.1% in FY 2020).
Reported Earnings • Feb 10Third quarter 2021 earnings released: EPS JP¥6.19 (vs JP¥5.26 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: JP¥35.6b (up 14% from 3Q 2020). Net income: JP¥2.40b (up 17% from 3Q 2020). Profit margin: 6.7% (up from 6.6% in 3Q 2020). The increase in margin was driven by higher revenue.
