North Pacific BankTSE:8524 -1.25%63 Median PS Value is 円537.49 as of Jun. 30, 2026, which is 100% below its 10-year median of 1.55. GuruFocus rates TSE:8524 with a GF Score™ of 63/100 and a GF Value™ of 円781.65 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,043 Banks companies, North Pacific Bank ranks worse than 92.23% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for North Pacific Bank's Median PS Value or its related term are showing as below:
TSE:8524'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 1.02 Med: 1.55 Max: 2.08
Current: 2.06
During the past 13 years, the highest Price to Median PS Value of North Pacific Bank was 2.08. The lowest was 1.02. And the median was 1.55.
TSE:8524's Price-to-Median-PS-Value is ranked worse than 92.23% of 1043
companies
in the Banks industry
Industry Median: 1.11
vs TSE:8524: 2.06
North Pacific Bank (TSE:8524) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
North Pacific Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1105.00
/
537.49
=
2.06
* 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 Median PS Value Related Terms
North Pacific Bank Median PS Value Historical Data
* Premium members only.
The historical data trend for North Pacific Bank's Median PS Value 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 Median PS Value Competitor Comparison
For the Banks - Regional subindustry, North Pacific Bank's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where North Pacific Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.0269.
North Pacific Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was 円523.409.
* 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 (TSE:8524) has a Median PS Value of 円537.49 as of Jun. 30, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on North Pacific Bank and its competitors. This is 34577% above median its historical median of 1.55. Over the past decade, North Pacific Bank's Median PS Value has ranged from 1.02 to 2.08. According to the industry distribution chart, North Pacific Bank ranks #962 out of 1043 companies in the Banks industry, placing it in the top 92.2%.
Is North Pacific Bank's Median PS Value too high?
North Pacific Bank's current Median PS Value of 円537.49 is 34577% above median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 2.08. Based on the distribution chart, North Pacific Bank ranks #962 out of 1043 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Median PS Value compare to competitors?
According to the Banks industry distribution chart, North Pacific Bank ranks #962 out of 1043 companies for Median PS Value. This places North Pacific Bank in the lower half of its industry. The industry median Median PS Value is 1.11. Historically, North Pacific Bank's own Median PS Value has ranged from 1.02 to 2.08 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on North Pacific Bank and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. North Pacific Bank's current Median PS Value is 円537.49, which is 34577% above median its own 10-year median of 1.55. 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781.65, compared to a current price of 円1,105.00 — trading 41.4% above its estimated fair value. The current Median PS Value is 円537.49, which is 34577% above median its 10-year median of 1.55. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For North Pacific Bank (TSE:8524), the current Median PS Value is 円537.49 as of Jun. 30, 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1,105.00 is trading 41.4% above its estimated GF Value™ of 円781.65.
GuruFocus considers North Pacific Bank to be Significantly Overvalued.
Key valuation signals for TSE:8524:
Median PS Value: 円537.49 (34577% above median its 10-year median of 1.55)
GF Value™: 円781.65 vs. price of 円1,105.00 (41.4% 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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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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