OTCPK:NACB

Stock Analysis Report

National Capital Bank of Washington

Executive Summary

The National Capital Bank of Washington provides various banking products and services to individuals and businesses in Washington.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.


Similar Companies

Share Price & News

How has National Capital Bank of Washington's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

NACB

4.1%

US Banks

1.0%

US Market


1 Year Return

4.8%

NACB

7.2%

US Banks

8.0%

US Market

Return vs Industry: NACB exceeded the US Banks industry which returned 7.2% over the past year.

Return vs Market: NACB underperformed the US Market which returned 8% over the past year.


Shareholder returns

NACBIndustryMarket
7 Day0%4.1%1.0%
30 Day-2.7%2.8%-0.07%
90 Dayn/a2.9%-1.0%
1 Year5.8%4.8%10.3%7.2%10.4%8.0%
3 Year35.0%31.0%53.9%43.3%46.2%36.7%
5 Yearn/a71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

How volatile is National Capital Bank of Washington's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is National Capital Bank of Washington undervalued compared to its fair value and its price relative to the market?

22.32x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: NACB ($220) is trading above our estimate of fair value ($107.35)

Significantly Below Fair Value: NACB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: NACB is poor value based on its PE Ratio (22.3x) compared to the Banks industry average (12.6x).

PE vs Market: NACB is poor value based on its PE Ratio (22.3x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate NACB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: NACB is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is National Capital Bank of Washington forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

13.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: NACB's forecast earnings growth (13.8% per year) is above the savings rate (2.7%).

Earnings vs Market: NACB's earnings (13.8% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: NACB's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if NACB's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if NACB's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if NACB's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has National Capital Bank of Washington performed over the past 5 years?

-2.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: NACB has become profitable over the past 5 years, growing earnings by -2.1% per year.

Accelerating Growth: NACB's earnings growth over the past year (102.5%) exceeds its 5-year average (-2.1% per year).

Earnings vs Industry: NACB earnings growth over the past year (102.5%) exceeded the Banks industry 30.1%.


Return on Equity

High ROE: NACB's Return on Equity (5.9%) is considered low.


Return on Assets

ROA vs Industry: NACB's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate NACB's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is National Capital Bank of Washington'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

Inventory Level: NACB has a low level of unsold assets or inventory.

Debt Coverage by Assets: NACB's debt is not covered by short term assets (assets are 0.5x debt).


Financial Institutions Analysis

Asset Level: NACB's level of assets compared to its equity is moderate.

Allowance for Bad Loans: NACB has a sufficient allowance for bad loans.

Low Risk Liabilities: NACB's liabilities are made up of primarily low risk sources of funding.

Loan Level: NACB has an acceptable proportion of non-loan assets held.

Low Risk Deposits: NACB's loans are broadly funded by customer deposits.

Level of Bad Loans: NACB has an appropriate level of bad loans (0.16%)


Next Steps

Dividend

What is National Capital Bank of Washington's current dividend yield, its reliability and sustainability?

1.00%

Current Dividend Yield


Dividend Yield vs Market

company1.0%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: NACB's dividend (1%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.44%).

High Dividend: NACB's dividend (1%) is low compared to the top 25% of dividend payers in the US market (3.68%).

Stable Dividend: NACB's dividend payments have been volatile in the past 10 years.

Growing Dividend: NACB's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (21.8%), NACB's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of National Capital Bank of Washington's salary, the management and board of directors tenure and is there insider trading?

3.4yrs

Average management tenure


CEO

Randy Anderson (64yo)

3.4yrs

Tenure

0

Mr. Richard B. Anderson also known as Randy, has been President, Chief Executive Officer and Director of National Capital Bank of Washington since May 2016. Mr. Anderson has more than 39 years’ experience  ...


Management Age and Tenure

3.4yrs

Average Tenure

56yo

Average Age

Experienced Management: NACB's management team is considered experienced (3.4 years average tenure).


Board Age and Tenure

8.8yrs

Average Tenure

68.5yo

Average Age

Experienced Board: NACB's board of directors are considered experienced (8.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Randy Anderson (64yo)

    President

    • Tenure: 3.4yrs
  • Tricia Ostrander (52yo)

    Executive VP and Chief Administrative & Compliance Officer

    • Tenure: 1.8yrs
  • Dave Glaser (60yo)

    Senior VP & Business Development Director

    • Tenure: 9.8yrs
  • Debra Keats

    Executive VP & Chief Retail Administration Officer

    • Tenure: 0yrs
  • Richard Didden (48yo)

    Executive VP

    • Tenure: 5.8yrs
  • Paul Yeloushan

    Senior VP & Chief Information Officer

    • Tenure: 0yrs
  • Robin Robertson

    Senior VP

    • Tenure: 0yrs
  • Keith Arnold

    VP & Credit Administration Officer

    • Tenure: 0yrs
  • Amy Woodward

    VP & HR Director

    • Tenure: 0yrs
  • Randal Rabe

    EVP & CFO

    • Tenure: 1.8yrs

Board Members

  • Harry Rauner (69yo)

    Chairman

    • Tenure: 0.3yrs
    • Compensation: US$35.10k
  • Kate Carr (72yo)

    Vice Chair

    • Tenure: 0.3yrs
    • Compensation: US$19.10k
  • Randy Anderson (64yo)

    President

    • Tenure: 3.4yrs
  • Don Didden (68yo)

    Director

    • Tenure: 0yrs
    • Compensation: US$16.70k
  • Jimmy Didden (71yo)

    Director

    • Tenure: 0yrs
  • Bob Donohoe (70yo)

    Director

    • Tenure: 31.3yrs
    • Compensation: US$72.80k
  • William Pedas (56yo)

    Director

    • Tenure: 11.8yrs
    • Compensation: US$36.40k
  • George Pedas (57yo)

    Director

    • Tenure: 11.8yrs
    • Compensation: US$22.80k
  • Kathryn Didden (70yo)

    Director

    • Tenure: 11.8yrs
    • Compensation: US$38.00k
  • Richard Didden (48yo)

    Executive VP

    • Tenure: 5.8yrs

Company Information

The National Capital Bank of Washington's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: The National Capital Bank of Washington
  • Ticker: NACB
  • Exchange: OTCPK
  • Founded: 1889
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$63.360m
  • Shares outstanding: 288.00k
  • Website: https://www.nationalcapitalbank.com

Location

  • The National Capital Bank of Washington
  • 316 Pennsylvania Avenue, SE
  • Suite 402
  • Washington
  • District Of Columbia
  • 20003
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
NACBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1975

Biography

The National Capital Bank of Washington provides various banking products and services to individuals and businesses in Washington. Its deposit products include savings and checking accounts, money market  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/21 23:41
End of Day Share Price2019/10/18 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.