OTCPK:NCNB

Stock Analysis Report

Northern California National Bank

Executive Summary

Northern California National Bank provides various financial products and services for small to medium businesses, agricultural operators, business professionals, and individuals in Butte County.

Snowflake

Fundamentals

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has Northern California National Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

NCNB

4.8%

US Banks

2.3%

US Market


1 Year Return

n/a

NCNB

0.04%

US Banks

5.6%

US Market

Return vs Industry: Insufficient data to determine how NCNB performed against the US Banks industry.

Return vs Market: Insufficient data to determine how NCNB performed against the US Market.


Shareholder returns

NCNBIndustryMarket
7 Day0%4.8%2.3%
30 Day-4.3%-0.5%-1.0%
90 Day2.3%2.0%-0.7%
1 Yearn/a2.9%0.04%7.9%5.6%
3 Year37.5%37.5%51.5%41.1%45.6%36.3%
5 Year131.6%131.6%70.9%52.3%65.8%47.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Northern California National Bank undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Northern California National Bank is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Northern California National Bank has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of NCNB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Northern California National Bank regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

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

1.1%

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 Northern California National Bank 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.


Next Steps

  • Take a look at our analysis of NCNB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Northern California National Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Northern California National Bank performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Northern California National Bank has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Northern California National Bank's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Northern California National Bank's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Northern California National Bank has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of NCNB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Northern California National Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Northern California National Bank's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate NCNB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate NCNB's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if NCNB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if NCNB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of NCNB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

1.3yrs

Average management tenure


CEO

Todd Lewis (44yo)

4.5yrs

Tenure

US$139,424

Compensation

Mr. Todd Lewis is the President and CEO of Northern California National Bank. He also serves as Chief Financial Officer and Director of Northern California National Bank. From 2007-2015 Mr. Lewis was the E ...


Management Age and Tenure

1.3yrs

Average Tenure

Experienced Management: NCNB's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.


Board Age and Tenure

9.3yrs

Average Tenure

70yo

Average Age

Experienced Board: NCNB's board of directors are considered experienced (9.3 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

  • Wayne Erickson (75yo)

    Director

    • Tenure: 13.8yrs
    • Compensation: US$22.73k
  • Todd Lewis (44yo)

    President

    • Tenure: 4.5yrs
    • Compensation: US$139.42k
  • - Stresser

    Executive

    • Tenure: 0yrs
  • Kelly Winch

    Chief Administrative Officer & Executive VP

    • Tenure: 0yrs
  • Larry Spencer

    SVP & Senior Lender

    • Tenure: 2.3yrs
  • Nancy Mendonca

    Vice President of Marketing & Business Development

    • Tenure: 0yrs
  • Marcy Sutcliffe

    Executive VP & Chief Credit Officer

    • Tenure: 1.2yrs
  • Steve Budiono

    Senior VP & Regional Commercial Banking Manager

    • Tenure: 1.3yrs
  • Gabby Lozoya

    Head of Operations & VP

    • Tenure: 0.4yrs

Board Members

  • Steve Gonsalves (63yo)

    Chairman of the Board

    • Tenure: 4.8yrs
    • Compensation: US$22.73k
  • Tom Dauterman (76yo)

    Director

    • Tenure: 13.8yrs
    • Compensation: US$22.73k
  • Wayne Erickson (75yo)

    Director

    • Tenure: 13.8yrs
    • Compensation: US$22.73k
  • Geoff Farrar (67yo)

    Director

    • Tenure: 13.8yrs
    • Compensation: US$22.73k
  • Jim Paiva (79yo)

    Director

    • Tenure: 13.8yrs
    • Compensation: US$22.73k
  • Mark Spelts (70yo)

    Director

    • Tenure: 13.8yrs
    • Compensation: US$22.73k
  • Todd Lewis (44yo)

    President

    • Tenure: 4.5yrs
    • Compensation: US$139.42k
  • Richard McGowan

    Director

    • Tenure: 4.3yrs
  • John Dahlmeier

    Director

    • Tenure: 3.7yrs
  • Jim Holt

    Director

    • Tenure: 2.8yrs

Company Information

Northern California National Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Northern California National Bank
  • Ticker: NCNB
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.norcalbank.com

Location

  • Northern California National Bank
  • 1717 Mangrove Avenue
  • Suite 100
  • Chico
  • California
  • 95926
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
NCNBOTCPK (Pink Sheets LLC)YesCOMUSUSDSep 2007

Biography

Northern California National Bank provides various financial products and services for small to medium businesses, agricultural operators, business professionals, and individuals in Butte County. It offers ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/16 23:56
End of Day Share Price2019/09/26 00:00
EarningsN/A
Annual EarningsN/A


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.