8524.T
8524.T
JP3843400007
NORTH PACIFIC BANK LIMITED
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Company Profile

North Pacific Bank,Ltd. provides various banking products and services for individuals and corporations in Japan. The company offers savings, foreign currency, and time deposits; financial product and online financial product intermediation; government and public bonds for individuals; fund wrap; and investment trusts. It also provides home, car, education, home renovation, card, and personal loans; insurance and online insurance products; inheritance and trust related products; deposits for educational donations; and defined contribution pension. In addition, the company offers debit and credit cards; air post; web account transfer reception services; bank pay; ATM service; and payment services. Further, it engages in the dispatching of general workers business. The company was formerly known as Hokuyo Sogo Bank, Ltd. and changed its name to North Pacific Bank,Ltd. in 1989. North Pacific Bank,Ltd. was incorporated in 1917 and is headquartered in Sapporo, Japan.

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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

7/7 Very High
5Y Volatility
37.3% p.a.
Max Drawdown (5Y)
-40.1%
Sharpe Ratio (5Y)
0.95
Beta Factor
0.41
Size Class
Mega Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Strong cyclicality: The business model is sensitive to economic downturns.
🔴 Low analyst coverage – higher uncertainty in growth estimates & projections
Elevated Short-Term Volatility: 3Y volatility (41.8%) is noticeably higher than the 5Y average (37.3%).
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (37.3% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -68.6% in the extended horizon.
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