ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is North Pacific Bank, Ltd. ?
1
With a growth in Interest of 4.62%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at JPY 23,194 MM
- NET PROFIT(HY) At JPY 14,541.03 MM has Grown at 94.12%
- ROCE(HY) Highest at 0.21%
2
With ROA of 0.14%, it has a very attractive valuation with a 0.60 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 67.99%, its profits have risen by 61% ; the PEG ratio of the company is 0.2
3
Consistent Returns over the last 3 years
- Along with generating 67.99% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- 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 StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.00%
EBIT Growth (5y)
29.36%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
35.24%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.60
EV to EBIT
-56.26
EV to EBITDA
-31.84
EV to Capital Employed
1.26
EV to Sales
-8.52
PEG Ratio
0.18
Dividend Yield
NA
ROCE (Latest)
-2.24%
ROE (Latest)
5.42%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
NII(Q)
Highest at JPY 23,194 MM
NET PROFIT(HY)
At JPY 14,541.03 MM has Grown at 94.12%
ROCE(HY)
Highest at 0.21%
NET SALES(Q)
Highest at JPY 29,244 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 31.22%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
CREDIT DEPOSIT RATIO(HY)
Highest at 76.45%
PRE-TAX PROFIT(Q)
Highest at JPY 10,823 MM
-8What is not working for the Company
INTEREST(9M)
At JPY 17,511 MM has Grown at 260.9%
ROCE(HY)
Lowest at 0.21%
CASH AND EQV(HY)
Lowest at JPY 3,979,990 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 18.66 %
Here's what is working for North Pacific Bank, Ltd.
NII
Highest at JPY 23,194 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at JPY 29,244 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Profit
At JPY 14,541.03 MM has Grown at 94.12%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
At JPY 29,244 MM has Grown at 15.05%
over average net sales of the previous four periods of JPY 25,417.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 10,823 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Credit Deposit Ratio
Highest at 76.45%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 31.22%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at JPY 3,193 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Depreciation
At JPY 3,193 MM has Grown at 55.98%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (JPY MM)
Here's what is not working for North Pacific Bank, Ltd.
Interest
At JPY 17,511 MM has Grown at 260.9%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit Margin
Lowest at 18.66 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 3,979,990 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 0.5 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
