North Pacific Bank (FRA:2PT) Selling, General, & Admin. Expense: €412 Mil (TTM As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:2PT North Pacific Bank Ltd FRA:2PT
63 GF Score
Price €6.40
GF Value €3.76
! 6 Warning Signs
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What is North Pacific Bank Selling, General, & Admin. Expense?

North Pacific Bank FRA:2PT +10.34% 63 Selling, General, & Admin. Expense is €412 Mil as of Mar. 2026. GuruFocus rates FRA:2PT with a GF Score™ of 63/100 and a GF Value™ of €3.76. The stock has 6 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. North Pacific Bank's selling, general, & admin. expense for the three months ended in Mar. 2026 was €101 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was €412 Mil.


North Pacific Bank  (FRA:2PT) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


North Pacific Bank Selling, General, & Admin. Expense Related Terms


North Pacific Bank Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for North Pacific Bank's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart

North Pacific Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 490.37 470.95 411.82 424.08 396.09

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
Selling, General, & Admin. Expense 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 107.54 105.85 105.01 100.47 100.60

North Pacific Bank Selling, General, & Admin. Expense Competitor Comparison

For the Banks - Regional subindustry, North Pacific Bank's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, North Pacific Bank's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where North Pacific Bank's Selling, General, & Admin. Expense falls into.


FRA:2PT
63GF Score
North Pacific Bank Ltd FRA:2PT
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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North Pacific Bank Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense 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 €412 Mil.

* 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.

What does a Selling, General, & Admin. Expense of €412 Mil mean?
North Pacific Bank (FRA:2PT) has a Selling, General, & Admin. Expense of €412 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on North Pacific Bank and its competitors.
Is North Pacific Bank's Selling, General, & Admin. Expense too high?
North Pacific Bank's current Selling, General, & Admin. Expense is €412 Mil. 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 Selling, General, & Admin. Expense compare to competitors?
North Pacific Bank's Selling, General, & Admin. Expense of €412 Mil 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on North Pacific Bank and its competitors. North Pacific Bank's current Selling, General, & Admin. Expense is €412 Mil. 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 Selling, General, & Admin. Expense of €412 Mil. The stock's GF Value™ is €3.76, compared to a current price of €6.40 — trading 70.2% above its estimated fair value. The current Selling, General, & Admin. Expense is €412 Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For North Pacific Bank (FRA:2PT), the current Selling, General, & Admin. Expense is €412 Mil 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 €6.40 is trading 70.2% above its estimated GF Value™ of €3.76.

Key valuation signals for FRA:2PT:

  • Selling, General, & Admin. Expense: €412 Mil
  • GF Value™: €3.76 vs. price of €6.40 (70.2% 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

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Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€6.40
Price
€3.76
GF Value