North Pacific Bank, Ltd. (8524) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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North Pacific Bank, Ltd.

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Why is North Pacific Bank, Ltd. ?

Poor Management Efficiency with a low ROA of 0.06%

The bank has been able to generate a Return on Assets (avg) of 0.06% signifying low profitability per unit of total assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.83% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.10%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.83% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.06% signifying low profitability per unit of total assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.10%

Positive results in Jun 26

NET SALES(Q) Highest at JPY 34,879 MM
DIVIDEND PER SHARE(HY) Highest at JPY 0
PRE-TAX PROFIT(Q) Highest at JPY 11,243 MM

With ROA of 0.11%, it has a expensive valuation with a 1.00 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 87.27%, its profits have risen by 24% ; the PEG ratio of the company is 0.5

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to North Pacific Bank, Ltd. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

No Data Found

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.20%

EBIT Growth (5y)

26.51%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

41.15%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.00

EV to EBIT

-16.48

EV to EBITDA

-11.70

EV to Capital Employed

1.00

EV to Sales

-3.54

PEG Ratio

0.49

Dividend Yield

ROCE (Latest)

-6.07%

ROE (Latest)

6.61%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NET SALES(Q)

Highest at JPY 34,879 MM

DIVIDEND PER SHARE(HY)

Highest at JPY 0

PRE-TAX PROFIT(Q)

Highest at JPY 11,243 MM

NET PROFIT(Q)

Highest at JPY 8,310.56 MM

EPS(Q)

Highest at JPY 22.17

-5What is not working for the Company

INTEREST(9M)

At JPY 22,849 MM has Grown at 90.81%

CASH AND EQV(HY)

Lowest at JPY 4,337,187 MM

Here's what is working for North Pacific Bank, Ltd.

Net Sales

Highest at JPY 34,879 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

Net Sales

At JPY 34,879 MM has Grown at 17.74%

over average net sales of the previous four periods of JPY 29,622.75 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 11,243 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 8,310.56 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 22.17

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Dividend per share

Highest at JPY 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Here's what is not working for North Pacific Bank, Ltd.

Interest

At JPY 22,849 MM has Grown at 90.81%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Cash and Eqv

Lowest at JPY 4,337,187 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents