North Pacific BankTSE:8524 +2.19%63 Net Margin % is 6.04% as of Mar. 2026, which is 43% below its 10-year median of 10.68. 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 1,527 Banks companies, North Pacific Bank ranks worse than 84.41% on this metric.
The historical rank and industry rank for North Pacific Bank's Net Margin % or its related term are showing as below:
TSE:8524'
s Net Margin % Range Over the Past 10 Years
Min: 6.05 Med: 10.68 Max: 15.87
Current: 12.99
TSE:8524's Net Margin % is ranked worse than 84.41% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8524: 12.99
North Pacific Bank (TSE:8524) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
North Pacific Bank Net Margin % Related Terms
North Pacific Bank Net Margin % Historical Data
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The historical data trend for North Pacific Bank's Net Margin % 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, North Pacific Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where North Pacific Bank's Net Margin % falls into.
* 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 Net Margin % of 6.04% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on North Pacific Bank and its competitors. This is 43% below median its historical median of 10.68. Over the past decade, North Pacific Bank's Net Margin % has ranged from 6.05 to 15.87. According to the industry distribution chart, North Pacific Bank ranks #1289 out of 1527 companies in the Banks industry, placing it in the top 84.4%.
Is North Pacific Bank's Net Margin % too high?
North Pacific Bank's current Net Margin % of 6.04% is 43% below median its 10-year median of 10.68. Over the past 10 years, this metric has ranged from a low of 6.05 to a high of 15.87. The Banks industry median Net Margin % is 26.95. North Pacific Bank's value of 6.04% is 77.6% below this industry median. Based on the distribution chart, North Pacific Bank ranks #1289 out of 1527 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, North Pacific Bank ranks #1289 out of 1527 companies for Net Margin %. This places North Pacific Bank in the lower half of its industry. The industry median Net Margin % is 26.95. North Pacific Bank's value of 6.04% is 77.6% below this benchmark. Historically, North Pacific Bank's own Net Margin % has ranged from 6.05 to 15.87 over the past decade. While the company's 10-year median is 10.68 vs. the industry median of 26.95, North Pacific Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. North Pacific Bank's current Net Margin % of 6.04% is 77.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on North Pacific Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. North Pacific Bank's current Net Margin % is 6.04%, which is 43% below median its own 10-year median of 10.68. 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1,119.00 — trading 43.2% above its estimated fair value. The current Net Margin % is 6.04%, which is 43% below median its 10-year median of 10.68 and 77.6% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For North Pacific Bank (TSE:8524), the current Net Margin % is 6.04% 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 (TSE:8524) Overvalued in 2026?
Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued.
The current stock price of 円1,119.00 is trading 43.2% above its estimated GF Value™ of 円781.65.
GuruFocus considers North Pacific Bank to be Significantly Overvalued.
Key valuation signals for TSE:8524:
Net Margin %: 6.04% (43% below median its 10-year median of 10.68)
GF Value™: 円781.65 vs. price of 円1,119.00 (43.2% above fair value)
Industry Position: 77.6% below the Banks median (#1289 of 1527)
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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