OTCPK:NEFB

Stock Analysis Report

Executive Summary

Neffs Bancorp, Inc. operates as a bank holding company for The Neffs National Bank that provides a range of financial services to individuals, small businesses, and corporate customers in Lehigh County, Pennsylvania.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Neffs Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Neffs Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

1.2%

OTCPK:NEFB

-1.8%

US Banks

-1.6%

US Market


1 Year Return

9.3%

OTCPK:NEFB

-16.1%

US Banks

-3.0%

US Market

NEFB outperformed the Banks industry which returned -16.1% over the past year.

NEFB outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

NEFBIndustryMarket
7 Day1.2%-1.8%-1.6%
30 Day-1.1%-10.1%-5.7%
90 Day3.6%-5.0%0.2%
1 Year11.5%9.3%-13.7%-16.1%-0.8%-3.0%
3 Year55.6%45.8%37.9%28.5%38.1%29.1%
5 Year75.0%56.4%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Neffs Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Neffs Bancorp undervalued based on future cash flows and its price relative to the stock market?

15.39x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Neffs Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Neffs Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Neffs Bancorp is overvalued based on earnings compared to the US Banks industry average.

Neffs Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Neffs Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Neffs Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Neffs Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

11.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Neffs Bancorp is high growth as no revenue estimate data is available.

Neffs Bancorp's earnings are expected to grow by 11.3% yearly, however this is not considered high growth (20% yearly).

Unable to compare Neffs Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Neffs Bancorp's earnings growth is positive but not above the United States of America market average.

Neffs Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Neffs Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Neffs Bancorp performed over the past 5 years?

0.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Neffs Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Neffs Bancorp's 1-year earnings growth exceeds its 5-year average (15.6% vs 0.9%)

Neffs Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (15.6% vs 33.1%).


Return on Equity

Neffs Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Neffs Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Neffs Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Neffs Bancorp'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Neffs Bancorp has an acceptable proportion of non-loan assets held.

Neffs Bancorp has a sufficient allowance for bad loans.

Neffs Bancorp's liabilities are made up of primarily low risk sources of funding.

Neffs Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Neffs Bancorp are broadly funded by customer deposits.

Neffs Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Neffs Bancorp's current dividend yield, its reliability and sustainability?

1.80%

Current Dividend Yield


Dividend Yield and Payments Analysis

Neffs Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Neffs Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.6x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Neffs Bancorp's salary, the management and board of directors tenure and is there insider trading?

8.8yrs

Average management tenure


CEO

John Remaley (83yo)

33.6yrs

Tenure

US$14,710

Compensation

Mr. John J. Remaley has been the President and Chief Executive Officer of Neffs Bancorp Inc., holding company of The Neffs National Bank since 1986. Mr. Remaley served as the President of Neffs National Ba ...


Management Age and Tenure

8.8yrs

Average Tenure

57yo

Average Age

The average tenure for the Neffs Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

14.6yrs

Average Tenure

63yo

Average Age

The average tenure for the Neffs Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • John Remaley (83yo)

    Chairman

    • Tenure: 33.6yrs
    • Compensation: US$14.71k
  • Kevin Schmidt (57yo)

    VP & Director

    • Tenure: 15.6yrs
    • Compensation: US$129.33k
  • David Matulevich (47yo)

    Treasurer & Secretary

    • Tenure: 9.9yrs
  • Ronald Miller

    • Tenure: 7.6yrs
  • Colleen Worysz

    • Tenure: 7.6yrs

Board Members

  • John Remaley (83yo)

    Chairman

    • Tenure: 33.6yrs
    • Compensation: US$14.71k
  • John Simock (82yo)

    Director

    • Tenure: 22.6yrs
    • Compensation: US$14.33k
  • Kevin Schmidt (57yo)

    VP & Director

    • Tenure: 15.6yrs
    • Compensation: US$129.33k
  • Robert Heintzelman (60yo)

    Director

    • Tenure: 20.6yrs
    • Compensation: US$13.85k
  • John Sharkey (63yo)

    Director

    • Tenure: 13.7yrs
    • Compensation: US$13.18k
  • Duane Schleicher (57yo)

    Director

    • Tenure: 13.7yrs
    • Compensation: US$13.23k
  • Dean Snyder (67yo)

    Director

    • Tenure: 9.8yrs
    • Compensation: US$13.31k

Company Information

Neffs Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Neffs Bancorp, Inc.
  • Ticker: NEFB
  • Exchange: OTCPK
  • Founded: 1923
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$68.561m
  • Shares outstanding: 159.44k
  • Website: https://www.neffsnatl.com

Location

  • Neffs Bancorp, Inc.
  • 5629 PA Route 873
  • Post Office Box 10
  • Neffs
  • Pennsylvania
  • 18065
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
NEFBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 1993

Biography

Neffs Bancorp, Inc. operates as a bank holding company for The Neffs National Bank that provides a range of financial services to individuals, small businesses, and corporate customers in Lehigh County, Pe ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:42
End of Day Share Price2019/08/23 00:00
Earnings2018/12/31
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.