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North Pacific Bank has the GF Score of 63, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes North Pacific Bank
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
North Pacific Bank (TSE:8524) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
North Pacific Bank GF Score Related Terms
North Pacific Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, North Pacific Bank's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
North Pacific Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's GF Score distribution charts can be found below:
* The bar in red indicates where North Pacific Bank's GF Score falls into.
North Pacific Bank (TSE:8524) has a GF Score of 63 as of Jul. 14, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on North Pacific Bank and its competitors. This is 17% above median its historical median of 54.00. Over the past decade, North Pacific Bank's GF Score has ranged from 36.00 to 68.00.
Is North Pacific Bank's GF Score too high?
North Pacific Bank's current GF Score of 63 is 17% above median its 10-year median of 54.00. Over the past 10 years, this metric has ranged from a low of 36.00 to a high of 68.00. Overall, North Pacific Bank has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does North Pacific Bank's GF Score compare to competitors?
North Pacific Bank's GF Score of 63 can be compared against companies in the Banks industry. Historically, North Pacific Bank's own GF Score has ranged from 36.00 to 68.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on North Pacific Bank and its competitors. North Pacific Bank's current GF Score is 63, which is 17% above median its own 10-year median of 54.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is North Pacific Bank stock overvalued right now?
Based on GuruFocus' analysis, North Pacific Bank (TSE:8524) is currently considered Significantly Overvalued. The stock's GF Value™ is 円781.68, compared to a current price of 円1,189.00 — trading 52.1% above its estimated fair value. The current GF Score is 63, which is 17% above median its 10-year median of 54.00. North Pacific Bank's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For North Pacific Bank (TSE:8524), the current GF Score is 63 as of Jul. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is North Pacific Bank (TSE:8524) Overvalued in 2026?
Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued.
The current stock price of 円1,189.00 is trading 52.1% above its estimated GF Value™ of 円781.68.
GuruFocus considers North Pacific Bank to be Significantly Overvalued.
Key valuation signals for TSE:8524:
GF Score: 63 (17% above median its 10-year median of 54.00)
GF Value™: 円781.68 vs. price of 円1,189.00 (52.1% above fair value)
No single metric tells the full story. See the TSE:8524 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
North Pacific Bank Ltd is engaged in the provision of banking products and services. The firm offers time deposit, reserve deposit, government/ public bonds, asset management support services, smartphone-based services, including real-time updates on account balances and transactions, including deposits and withdrawals, along with cashless payment based on QR codes.
63GF Score
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