Company profile

North Pacific Bank,Ltd.

EDINET
E03632
Securities
8524
Industry
Banks
Latest annual securities report
2026-06-15 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-07-01 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Above average Based on ROE Current Top 34% 5-year trend Improving
Financial strength Weak Based on Equity ratio Current Bottom 7% 5-year trend Broadly stable
Growth Above average Current Top 39% 5-year trend Improving

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥37.53 billion, up 33.7% year over year. Net income was ¥25.6 billion, up 24.2% year over year. ROE was 6.5%; equity ratio was 2.9%; free cash flow was -¥355.15 billion.

Revenue ¥37.53B up 33.7% year over year
Operating income —
Net income ¥25.6B up 24.2% year over year
Total assets¥13.27T
Total equity—
Operating cash flow-¥375.13B
Free cash flow-¥355.15B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Above average
Based on ROE

ROE Top 35%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 96%

Growth Above average

Revenue growth Top 49% / 3-year revenue CAGR Top 32%

Profitability Industry position history Improving
2026 Top 34% 2025 Top 37% 2024 Bottom 32% 2023 Bottom 20% 2022 Bottom 27%
Financial strength Industry position history Broadly stable
2026 Bottom 7% 2025 Bottom 7% 2024 Bottom 11% 2023 Bottom 11% 2022 Bottom 4%
Growth Industry position history Improving
2026 Top 39% 2025 Top 30% 2024 Bottom 47% 2023 Bottom 50% 2022 Bottom 46%
Profitability ROE 6.5% Industry median 5.6% Top 35% Comparison sample 83
Financial strength Equity ratio 2.9% Industry median 4.9% Bottom 96% Comparison sample 83
Growth Revenue growth +33.7% Industry median +32.7% Top 49% Comparison sample 83
Growth 3-year revenue CAGR +29.4% Industry median +21.3% Top 32% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 37532000000 37532000000 25601000000 25601000000 21733000000 13271307000000 12879681000000 391626000000 391803000000 391626000000 -375126000000 19974000000 -14667000000 -355152000000 2263763000000 68.05 13.73 934.3265 353231643834.4435 1035.74 378060179 0.0295092262 0.0291 0.0653710428 0.0019290489 1.0 0.6821112651 -9.9948310775 -9.4626452094 0.3370858568 0.3370858568 0.2422845497 -0.0130462143 0.0187689738 -4.5575045556 1.0608008767 -0.6206629834 0.1031832208 -0.140424661 0.2620548961 -0.052623642 0.0202020202 2828
FY2025 Consolidated Japanese GAAP 28070000000 28070000000 20608000000 20608000000 -54235000000 13446736000000 13062325000000 384411000000 380690000000 384411000000 -67499000000 -328515000000 -9050000000 -396014000000 2633583000000 53.92 9.58 516.5536 206135972079.0944 1010.42 399060179 0.0285876811 0.0282 0.053609288 0.0015325652 1.0 0.7341645885 -2.4046669042 -14.1080869255 0.5087342112 0.5087342112 0.6062353858 0.0152637601 -0.1410193958 -1.0683090773 0.5327029022 0.5275385017 -2.3888892786 -0.1333043511 0.6177617762 0.0 -0.0096463023 2772
FY2024 Consolidated Japanese GAAP 18605000000 18605000000 12830000000 12830000000 44180000000 13244574000000 12797053000000 447520000000 368821000000 447520000000 988141000000 -703011000000 -19155000000 285130000000 3038648000000 33.33 13.35 444.9555 177564021477.0345 1150.51 399060179 0.0337889312 0.0334 0.0286691098 0.0009686986 1.0 0.68959957 53.1115829078 15.3254501478 0.0746880776 0.0746880776 0.3299471338 0.0577910313 0.0986831122 1.7254498175 -3.0873445467 -2.9715944433 1.1858608114 0.0959276828 0.3316020775 0.0 -0.0237181723 2799
FY2023 Consolidated Japanese GAAP 17312000000 17312000000 9647000000 9647000000 -9099000000 12520974000000 12113649000000 407324000000 359943000000 407324000000 -1362108000000 -171997000000 -4823000000 -1534105000000 2772672000000 25.03 11.1 277.833 110872086712.107 1047.18 399060179 0.032531335 0.0322 0.0236838487 0.0007704672 1.0 0.5572435305 -78.6799907579 -88.6151224584 -0.1005351483 -0.1005351483 -0.1793977543 -0.0755214388 -0.0326499981 -1.7845494037 -9.6578882142 -0.1979632389 -1.8919069922 -0.3569254198 -0.1728354263 0.0 -0.031091585 2867
FY2022 Consolidated Japanese GAAP 19247000000 19247000000 11756000000 11756000000 -15380000000 13543823000000 13122751000000 421072000000 354817000000 421072000000 1736166000000 -16138000000 -4026000000 1720028000000 4311587000000 30.26 7.93 239.9618 95759198861.1622 1072.55 399060179 0.0310895971 0.0307 0.0279192157 0.0008679972 1.0 0.6107964878 90.2044994025 89.3660310698 0.2207141498 0.2207141498 0.2477181066 0.1421476282 -0.044399459 0.4888858779 0.9059759842 0.8752633536 0.7296326501 0.6611330074 0.2478350515 0.0 -0.0473277527 2959
FY2021 Consolidated Japanese GAAP 15767000000 15767000000 9422000000 9422000000 35241000000 11858207000000 11417570000000 440636000000 346792000000 440636000000 1166084000000 -171637000000 -32276000000 994447000000 2595570000000 24.25 13.19 319.8575 127642391204.4925 1122.97 399060179 0.0371587374 0.036 0.0213827286 0.0007945552 1.0 0.5975772182 73.9572524894 63.0714149807 0.2389596102 0.2389596102 0.245637229 0.1872405209 0.076097256 9.9618056535 -2.2660412544 -1.0457628193 17.4755596842 0.5890625488 0.2506446622 0.0 -0.02876798 3106
FY2020 Consolidated Japanese GAAP 12726000000 12726000000 7564000000 7564000000 -5969000000 9988041000000 9578564000000 409476000000 341101000000 409476000000 106377000000 -52552000000 -15777000000 53825000000 1633397000000 19.39 10.52 203.9828 81401412680.9212 1042.48 399060179 0.0409966279 0.04 0.0184723891 0.0007573057 1.0 0.5943737231 8.35902876 4.2295300959 -0.3574025449 -0.3574025449 -0.465101478 0.0233883442 -0.0275138282 5.7148718596 -1.2664800617 -1.3886449659 -0.7473597747 0.0238461182 -0.4583798883 0.0 -0.0379061372 3198
FY2019 Consolidated Japanese GAAP 19804000000 19804000000 14141000000 14141000000 -4563000000 9759776000000 9338715000000 421061000000 336044000000 421061000000 15842000000 197208000000 -6605000000 213050000000 1595354000000 35.8 7.73 276.734 110433519575.386 1049.01 399060179 0.0431424861 0.042 0.0335842075 0.0014489062 1.0 0.7140476671 0.7999394062 10.7579276914 0.307798983 0.307798983 0.0332456525 0.0272896929 -0.0229356414 -0.8922474188 -0.1949478084 -0.3370445344 -0.4564843042 0.1486539611 0.0437317784 -0.0272168569 3324
FY2018 Consolidated Japanese GAAP 15143000000 15143000000 13686000000 13686000000 27070000000 9500510000000 9069565000000 430945000000 326854000000 430945000000 147022000000 244963000000 -4940000000 391985000000 1388890000000 34.3 10.34 354.662 1064.76 0.0453601965 0.044 0.031758113 0.0014405542 1.0 0.9037839266 9.7089084065 25.8855576834 -0.292250888 -0.292250888 -0.1806752874 0.0447337578 0.0546583425 -0.5390495181 24.4481669379 0.3930458287 0.2705870531 0.3863003909 -0.1807977072 -0.0374647887 3417
FY2017 Consolidated Japanese GAAP 21396000000 21396000000 16704000000 16704000000 23971000000 9093714000000 8685102000000 408611000000 317725000000 408611000000 318954000000 -10447000000 -8139000000 308507000000 1001868000000 41.87 10.07 421.6309 1009.07 0.0449333463 0.044 0.0408799567 0.0018368733 1.0 0.7807066741 14.9071789119 14.4189100766 -0.297109067 -0.297109067 -0.0727726894 0.0743332256 0.048895814 8.9387386264 -1.1498056986 -1.3063190706 2.0296575632 0.4281796151 -0.0728520815 -0.006993007 3550

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp