North Pacific Bank (TSE:8524) Scaled Net Operating Assets: -0.09 (As of Mar. 2026)


TSE:8524 North Pacific Bank Ltd TSE:8524
63 GF Score
Price 円1,141.00
GF Value 円781.67
Valuation Significantly Overvalued
! 6 Warning Signs
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What is North Pacific Bank Scaled Net Operating Assets?

North Pacific Bank TSE:8524 +1.69% 63 Scaled Net Operating Assets is -0.09 as of Mar. 2026. GuruFocus rates TSE:8524 with a GF Score™ of 63/100 and a GF Value™ of 円781.67 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

North Pacific Bank's operating assets for the quarter that ended in Mar. 2026 was 円10,988,706 Mil. North Pacific Bank's operating liabilities for the quarter that ended in Mar. 2026 was 円12,221,506 Mil. North Pacific Bank's Total Assets for the quarter that ended in Dec. 2025 was 円13,333,715 Mil. Therefore, North Pacific Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.09.

TSE:8524
63GF Score
North Pacific Bank Ltd TSE:8524
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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North Pacific Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

North Pacific Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(10988706-12221506)/13446736
=-0.09

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13271307 - 2282601
=10988706

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12879681 - 658175 - 0
=12221506

North Pacific Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(10988706-12221506)/13333715
=-0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13271307 - 2282601
=10988706

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12879681 - 658175 - 0
=12221506

* 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 Scaled Net Operating Assets of -0.09 mean?
North Pacific Bank (TSE:8524) has a Scaled Net Operating Assets of -0.09 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on North Pacific Bank and its competitors.
Is North Pacific Bank's Scaled Net Operating Assets too high?
North Pacific Bank's current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets compare to competitors?
North Pacific Bank's Scaled Net Operating Assets of -0.09 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on North Pacific Bank and its competitors. North Pacific Bank's current Scaled Net Operating Assets is -0.09. 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781.67, compared to a current price of 円1,141.00 — trading 46% above its estimated fair value. The current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For North Pacific Bank (TSE:8524), the current Scaled Net Operating Assets is -0.09 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1,141.00 is trading 46% above its estimated GF Value™ of 円781.67. GuruFocus considers North Pacific Bank to be Significantly Overvalued.

Key valuation signals for TSE:8524:

  • Scaled Net Operating Assets: -0.09
  • GF Value™: 円781.67 vs. price of 円1,141.00 (46% above fair value)
  • GF Score™: 63/100 with 6 warning signs

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 Business Description

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 TSE:8524

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円1,141.00
Price
円781.67
GF Value