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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. North Pacific Bank's Total Liabilities for the quarter that ended in Mar. 2026 was €70,209 Mil. North Pacific Bank's Total Assets for the quarter that ended in Mar. 2026 was €72,344 Mil.
Therefore, North Pacific Bank's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.97.
North Pacific Bank (FRA:2PT) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
North Pacific Bank Liabilities-to-Assets Related Terms
North Pacific Bank Liabilities-to-Assets Historical Data
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The historical data trend for North Pacific Bank's Liabilities-to-Assets can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
North Pacific Bank Liabilities-to-Assets Competitor Comparison
For the Banks - Regional subindustry, North Pacific Bank's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where North Pacific Bank's Liabilities-to-Assets falls into.
North Pacific Bank Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
North Pacific Bank's Liabilities-to-Assets Ratio for the fiscal year that ended in Mar. 2026 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
North Pacific Bank (FRA:2PT) has a Liabilities-to-Assets of 0.97 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on North Pacific Bank and its competitors.
Is North Pacific Bank's Liabilities-to-Assets too high?
North Pacific Bank's current Liabilities-to-Assets is 0.97. Overall, North Pacific Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does North Pacific Bank's Liabilities-to-Assets compare to competitors?
North Pacific Bank's Liabilities-to-Assets of 0.97 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on North Pacific Bank and its competitors. North Pacific Bank's current Liabilities-to-Assets is 0.97. 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 (FRA:2PT) is currently considered Significantly Overvalued. The stock's GF Value™ is €3.80, compared to a current price of €6.30 — trading 65.8% above its estimated fair value. The current Liabilities-to-Assets is 0.97. North Pacific Bank's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For North Pacific Bank (FRA:2PT), the current Liabilities-to-Assets is 0.97 as of Mar. 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 (FRA:2PT) Overvalued in 2026?
Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued.
The current stock price of €6.30 is trading 65.8% above its estimated GF Value™ of €3.80.
GuruFocus considers North Pacific Bank to be Significantly Overvalued.
Key valuation signals for FRA:2PT:
Liabilities-to-Assets: 0.97
GF Value™: €3.80 vs. price of €6.30 (65.8% above fair value)
No single metric tells the full story. See the FRA:2PT 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.
64GF Score
Get the complete analysis for FRA:2PT
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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