North Pacific Bank (FRA:2PT) LT-Debt-to-Total-Asset: 0.05 (As of Mar. 2026)


FRA:2PT North Pacific Bank Ltd FRA:2PT
63 GF Score
Price €5.55
GF Value €3.80
! 6 Warning Signs
View Full Analysis

What is North Pacific Bank LT-Debt-to-Total-Asset?

North Pacific Bank FRA:2PT +1.83% 63 LT-Debt-to-Total-Asset is 0.05 as of Mar. 2026. GuruFocus rates FRA:2PT with a GF Score™ of 63/100 and a GF Value™ of €3.80. The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. North Pacific Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.05.

North Pacific Bank's long-term debt to total assets ratio declined from Mar. 2025 (0.07) to Mar. 2026 (0.05). It may suggest that North Pacific Bank is progressively becoming less dependent on debt to grow their business.

North Pacific Bank  (FRA:2PT) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

North Pacific Bank LT-Debt-to-Total-Asset Related Terms

North Pacific Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for North Pacific Bank's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

North Pacific Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.15 0.08 0.07 0.07 0.05

North Pacific Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.07 0.07 0.07 0.07 0.05
FRA:2PT
63GF Score
North Pacific Bank Ltd FRA:2PT
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

North Pacific Bank LT-Debt-to-Total-Asset Calculation

North Pacific Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=3587.797/72343.618
=0.05

North Pacific Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=3587.797/72343.618
=0.05

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.05 mean?
North Pacific Bank (FRA:2PT) has a LT-Debt-to-Total-Asset of 0.05 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on North Pacific Bank and its competitors.
Is North Pacific Bank's LT-Debt-to-Total-Asset too high?
North Pacific Bank's current LT-Debt-to-Total-Asset is 0.05. Overall, North Pacific Bank has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does North Pacific Bank's LT-Debt-to-Total-Asset compare to competitors?
North Pacific Bank's LT-Debt-to-Total-Asset of 0.05 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on North Pacific Bank and its competitors. North Pacific Bank's current LT-Debt-to-Total-Asset is 0.05. 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?
North Pacific Bank (FRA:2PT) has a current LT-Debt-to-Total-Asset of 0.05. The stock's GF Value™ is €3.80, compared to a current price of €5.55 — trading 46.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.05. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For North Pacific Bank (FRA:2PT), the current LT-Debt-to-Total-Asset is 0.05 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 €5.55 is trading 46.1% above its estimated GF Value™ of €3.80.

Key valuation signals for FRA:2PT:

  • LT-Debt-to-Total-Asset: 0.05
  • GF Value™: €3.80 vs. price of €5.55 (46.1% above fair value)
  • GF Score™: 63/100 with 6 warning signs

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 Business Description

Other Exchanges 8524:Japan
Address 7, Odori Nishi 3-chome, Chuo-Ku, Sapporo, JPN, 060-8661
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

Get the complete analysis for FRA:2PT

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€5.55
Price
€3.80
GF Value