North Pacific Bank,Ltd.

TSE:8524 Stock Report

Market Cap: JP¥175.7b

North Pacific BankLtd Past Earnings Performance

Past criteria checks 5/6

North Pacific BankLtd has been growing earnings at an average annual rate of 4.8%, while the Banks industry saw earnings growing at 7.3% annually. Revenues have been declining at an average rate of 0.8% per year. North Pacific BankLtd's return on equity is 3.4%, and it has net margins of 11.2%.

Key information

4.8%

Earnings growth rate

3.7%

EPS growth rate

Banks Industry Growth4.1%
Revenue growth rate-0.8%
Return on equity3.4%
Net Margin11.2%
Next Earnings Update10 Feb 2025

Recent past performance updates

Recent updates

North Pacific BankLtd (TSE:8524) Is Due To Pay A Dividend Of ¥6.50

Dec 18
North Pacific BankLtd (TSE:8524) Is Due To Pay A Dividend Of ¥6.50

North Pacific BankLtd (TSE:8524) Is Due To Pay A Dividend Of ¥6.50

Dec 04
North Pacific BankLtd (TSE:8524) Is Due To Pay A Dividend Of ¥6.50

Revenue & Expenses Breakdown

How North Pacific BankLtd makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

TSE:8524 Revenue, expenses and earnings (JPY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24130,23414,63667,3160
30 Jun 24127,11814,83867,1190
31 Mar 24126,53312,83067,0630
31 Dec 23119,8588,96069,2830
30 Sep 23119,5528,78568,5010
30 Jun 23119,5497,63968,2200
31 Mar 23118,9549,64767,3980
31 Dec 22117,86811,62564,1140
30 Sep 22116,08413,03764,1060
30 Jun 22116,57412,63963,7500
31 Mar 22117,14511,75664,0380
31 Dec 21119,84611,33765,0560
30 Sep 21122,7939,12466,0110
30 Jun 21124,3779,54467,0660
31 Mar 21125,7789,42268,3450
31 Dec 20124,1509,37368,1550
30 Sep 20124,5539,01869,1280
30 Jun 20126,98210,52469,2670
31 Mar 20124,5767,56470,1090
31 Dec 19129,22910,78770,8740
30 Sep 19132,05612,19271,0690
30 Jun 19130,77912,21771,0240
31 Mar 19133,88214,14171,4520
31 Dec 18130,61110,42471,7970
30 Sep 18130,24411,21072,3940
30 Jun 18135,11614,10673,6380
31 Mar 18134,75313,68674,4880
31 Dec 17141,07315,53475,3830
30 Sep 17144,71015,52575,6630
30 Jun 17143,22214,66575,8380
31 Mar 17146,20016,70476,2000
31 Dec 16146,81318,90875,9470
30 Sep 16143,78818,38575,4910
30 Jun 16142,70216,76675,5680
31 Mar 16145,22818,01575,3320
31 Dec 15140,06815,50974,7280
30 Sep 15139,97016,00675,0890
30 Jun 15140,81314,72875,5560
31 Mar 15138,76015,77475,8040
31 Dec 14138,5454,14176,3890
30 Sep 14209,54670,26576,4350
30 Jun 14208,02670,71676,6470
31 Mar 14216,40877,31276,8820
31 Dec 13219,35387,92976,1450

Quality Earnings: 8524 has high quality earnings.

Growing Profit Margin: 8524's current net profit margins (11.2%) are higher than last year (7.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 8524's earnings have grown by 4.8% per year over the past 5 years.

Accelerating Growth: 8524's earnings growth over the past year (66.6%) exceeds its 5-year average (4.8% per year).

Earnings vs Industry: 8524 earnings growth over the past year (66.6%) exceeded the Banks industry 22.6%.

Return on Equity

High ROE: 8524's Return on Equity (3.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/24 11:43
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

North Pacific Bank,Ltd. is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Masahiko SatoNomura Securities Co. Ltd.
Ken TakamiyaNomura Securities Co. Ltd.
Masahiko SatoSMBC NIKKO