| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
NSBC Overview
NSIA Banque Société Anonyme provides various banking products and services for individuals and businesses.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | XOF5,905.00 |
| 52 Week High | XOF0 |
| 52 Week Low | XOF0 |
| Beta | 1.1 |
| 1 Month Change | -3.43% |
| 3 Month Change | 23.28% |
| 1 Year Change | 47.63% |
| 3 Year Change | -15.34% |
| 5 Year Change | n/a |
| Change since IPO | -37.18% |
Recent News & Updates
Shareholder Returns
| NSBC | CI Banks | CI Market | |
|---|---|---|---|
| 7D | -0.3% | -0.7% | 0.2% |
| 1Y | 47.6% | 39.1% | 56.4% |
Return vs Industry: NSBC exceeded the CI Banks industry which returned 39% over the past year.
Return vs Market: NSBC underperformed the CI Market which returned 54.4% over the past year.
Price Volatility
| NSBC volatility | |
|---|---|
| NSBC Beta | 1.1 |
| Industry Beta | 0.44 |
| Market Beta | 1 |
Stable Share Price: NSBC is not significantly more volatile than the rest of CI stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: NSBC's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1906 | 1,064 | Léonce Yace | https://nsiabanque.ci |
NSIA Banque Société Anonyme provides various banking products and services for individuals and businesses. The company provides youth, savings, checking, and current accounts. It also offers consumer and savings credit, and real estate loans, as well as insurance, investment, and online banking services, as well as cards.
NSIA Banque Société Anonyme Fundamentals Summary
| NSBC fundamental statistics | |
|---|---|
| Market Cap | XOF146.43b |
| Earnings (TTM) | XOF14.40b |
| Revenue (TTM) | XOF66.58b |
10.1x
P/E Ratio1.2x
P/B RatioIs NSBC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| NSBC income statement (TTM) | |
|---|---|
| Revenue | XOF66.58b |
| Cost of Revenue | XOF0 |
| Gross Profit | XOF66.58b |
| Expenses | XOF52.18b |
| Earnings | XOF14.40b |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 582.30 |
| Gross Margin | 100.00% |
| Net Profit Margin | 21.63% |
| Debt/Equity Ratio | 6.9% |
How did NSBC perform over the long term?
See historical performance and comparisonValuation
Is NSIA Banque Société Anonyme undervalued compared to its fair value and its price relative to the market?
10.14x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate NSBC's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate NSBC's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: NSBC is poor value based on its PE Ratio (10.1x) compared to the CI Banks industry average (7.1x).
PE vs Market: NSBC is poor value based on its PE Ratio (10.1x) compared to the CI market (7.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate NSBC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: NSBC is good value based on its PB Ratio (1.2x) compared to the CI Banks industry average (1.6x).
Future Growth
How is NSIA Banque Société Anonyme forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
19.4%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as NSIA Banque Société Anonyme has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Past Performance
How has NSIA Banque Société Anonyme performed over the past 5 years?
-10.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: NSBC has high quality earnings.
Growing Profit Margin: NSBC's current net profit margins (21.6%) are higher than last year (19.6%).
Past Earnings Growth Analysis
Earnings Trend: NSBC's earnings have declined by 10.8% per year over the past 5 years.
Accelerating Growth: NSBC's earnings growth over the past year (36.7%) exceeds its 5-year average (-10.8% per year).
Earnings vs Industry: NSBC earnings growth over the past year (36.7%) exceeded the Banks industry 14.2%.
Return on Equity
High ROE: NSBC's Return on Equity (12.1%) is considered low.
Financial Health
How is NSIA Banque Société Anonyme's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: NSBC's Assets to Equity ratio (12.7x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if NSBC has a sufficient allowance for bad loans.
Low Risk Liabilities: 70% of NSBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: NSBC has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: NSBC's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: NSBC has a high level of bad loans (10%).
Dividend
What is NSIA Banque Société Anonyme current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate NSBC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate NSBC's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if NSBC's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if NSBC's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: NSBC is not paying a notable dividend for the CI market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of NSBC's dividend in 3 years as they are not forecast to pay a notable one for the CI market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.8yrs
Average board tenure
CEO
Léonce Yace
no data
Tenure
Mr. Léonce Yace serves as Managing Director at NSIA Banque and also served as it's Deputy General Manager of NSIA Banque.
Board Members
Experienced Board: NSBC's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 6.8%.
Top Shareholders
Company Information
NSIA Banque Société Anonyme's employee growth, exchange listings and data sources
Key Information
- Name: NSIA Banque Société Anonyme
- Ticker: NSBC
- Exchange: BRVM
- Founded: 1906
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: XOF146.429b
- Shares outstanding: 24.73m
- Website: https://nsiabanque.ci
Number of Employees
Location
- NSIA Banque Société Anonyme
- 8-10 Avenue Joseph Anoma 01
- BP 1274
- Abidjan
- 1
- Ivory Coast
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/25 21:44 |
| End of Day Share Price | 2021/10/25 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.