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NSBC

NSIA Banque Société AnonymeBRVM:NSBC Stock Report

Market Cap

XOF146.4b

7D

-0.3%

1Y

47.6%

Updated

25 Oct, 2021

Data

Company Financials
NSBC fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance4/6
Financial Health4/6
Dividends0/6

NSBC Overview

NSIA Banque Société Anonyme provides various banking products and services for individuals and businesses.

Price History & Performance

Summary of all time highs, changes and price drops for NSIA Banque Société Anonyme
Historical stock prices
Current Share PriceXOF5,905.00
52 Week HighXOF0
52 Week LowXOF0
Beta1.1
1 Month Change-3.43%
3 Month Change23.28%
1 Year Change47.63%
3 Year Change-15.34%
5 Year Changen/a
Change since IPO-37.18%

Recent News & Updates

Shareholder Returns

NSBCCI BanksCI Market
7D-0.3%-0.7%0.2%
1Y47.6%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

Is NSBC's price volatile compared to industry and market?
NSBC volatility
NSBC Beta1.1
Industry Beta0.44
Market Beta1

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

FoundedEmployeesCEOWebsite
19061,064Léonce Yacehttps://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

How do NSIA Banque Société Anonyme's earnings and revenue compare to its market cap?
NSBC fundamental statistics
Market CapXOF146.43b
Earnings (TTM)XOF14.40b
Revenue (TTM)XOF66.58b

10.1x

P/E Ratio

1.2x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
NSBC income statement (TTM)
RevenueXOF66.58b
Cost of RevenueXOF0
Gross ProfitXOF66.58b
ExpensesXOF52.18b
EarningsXOF14.40b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)582.30
Gross Margin100.00%
Net Profit Margin21.63%
Debt/Equity Ratio6.9%

How did NSBC perform over the long term?

See historical performance and comparison

Valuation

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/25 21:44
End of Day Share Price2021/10/25 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.