ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is North Pacific Bank, Ltd. ?
1
Positive results in Jun 25
- NET SALES(HY) At JPY 51,206 MM has Grown at 36.26%
- NII(Q) Highest at JPY 21,657 MM
- NET PROFIT(HY) At JPY 14,001.79 MM has Grown at 73.11%
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 75.59%, 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 75.59% 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
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
NET SALES(HY)
At JPY 51,206 MM has Grown at 36.26%
NII(Q)
Highest at JPY 21,657 MM
NET PROFIT(HY)
At JPY 14,001.79 MM has Grown at 73.11%
ROCE(HY)
Highest at 0.16%
DIVIDEND PAYOUT RATIO(Y)
Highest at 41.42%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
CREDIT DEPOSIT RATIO(HY)
Highest at 71.94%
-6What is not working for the Company
INTEREST(9M)
At JPY 11,975 MM has Grown at 1,024.41%
ROCE(HY)
Lowest at 0.16%
Here's what is working for North Pacific Bank, Ltd.
NII
Highest at JPY 21,657 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 27,162 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 27,162 MM has Grown at 25.57%
over average net sales of the previous four periods of JPY 21,631.75 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Profit
At JPY 14,001.79 MM has Grown at 73.11%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net 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 71.94%
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 41.42%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for North Pacific Bank, Ltd.
Interest
At JPY 11,975 MM has Grown at 1,024.41%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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