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 and Northampton County, Pennsylvania.
Neffs Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$501.00|
|52 Week High||US$445.00|
|52 Week Low||US$715.00|
|1 Month Change||0.20%|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||31.84%|
|5 Year Change||64.26%|
|Change since IPO||28.46%|
Recent News & Updates
|NEFB||US Banks||US Market|
Return vs Industry: Insufficient data to determine how NEFB performed against the US Banks industry.
Return vs Market: Insufficient data to determine how NEFB performed against the US Market.
Stable Share Price: Insufficient data to determine NEFB's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine NEFB's volatility change over the past year.
About the Company
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 and Northampton County, Pennsylvania. It accepts various deposit products, including checking accounts, savings and club accounts, money market demand accounts, certificates of deposit, and individual retirement accounts, as well as provides online and mobile banking services. The company also offers consumer credit products, such as personal loans/personal line of credit, automobile loans, home equity loans, home equity line of credit, and residential mortgages; and commercial credit products, including commercial mortgages, term loans, and line of credit, as well as other services comprising remote deposit and mobile deposit, business checking, credit cards, and merchant services.
Neffs Bancorp Fundamentals Summary
|NEFB fundamental statistics|
Is NEFB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|NEFB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||22.16|
|Net Profit Margin||34.67%|
How did NEFB perform over the long term?See historical performance and comparison
1.6%Current Dividend Yield
Does NEFB pay a reliable dividends?See NEFB dividend history and benchmarks
|Neffs Bancorp dividend dates|
|Ex Dividend Date||Oct 28 2021|
|Dividend Pay Date||Nov 15 2021|
|Days until Ex dividend||3 days|
|Days until Dividend pay date||21 days|
Does NEFB pay a reliable dividends?See NEFB dividend history and benchmarks
Is Neffs Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: NEFB ($501) is trading above our estimate of fair value ($473.29)
Significantly Below Fair Value: NEFB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: NEFB is poor value based on its PE Ratio (22.6x) compared to the US Banks industry average (11.1x).
PE vs Market: NEFB is poor value based on its PE Ratio (22.6x) compared to the US market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate NEFB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: NEFB's PB Ratio (1.1x) is in line with the US Banks industry average.
How is Neffs Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Neffs Bancorp 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.
How has Neffs Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: NEFB has high quality earnings.
Growing Profit Margin: NEFB's current net profit margins (34.7%) are lower than last year (41.4%).
Past Earnings Growth Analysis
Earnings Trend: NEFB's earnings have declined by 1.7% per year over the past 5 years.
Accelerating Growth: NEFB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: NEFB had negative earnings growth (-24.8%) over the past year, making it difficult to compare to the Banks industry average (37.3%).
Return on Equity
High ROE: NEFB's Return on Equity (4.9%) is considered low.
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
Financial Institutions Analysis
Asset Level: NEFB's Assets to Equity ratio (5.5x) is low.
Allowance for Bad Loans: NEFB has a sufficient allowance for bad loans (303%).
Low Risk Liabilities: 96% of NEFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: NEFB has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: NEFB's Loans to Deposits ratio (63%) is appropriate.
Level of Bad Loans: NEFB has an appropriate level of bad loans (0.4%).
What is Neffs Bancorp current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: NEFB's dividend (1.64%) is higher than the bottom 25% of dividend payers in the US market (1.29%).
High Dividend: NEFB's dividend (1.64%) is low compared to the top 25% of dividend payers in the US market (3.48%).
Stability and Growth of Payments
Stable Dividend: NEFB's dividends per share have been stable in the past 10 years.
Growing Dividend: NEFB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35.8%), NEFB'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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Robert Heintzelman (62 yo)
Mr. Robert B. Heintzelman serves as Director of The Neffs National Bank and Neffs Bancorp, Inc. since 1999. Mr. Heintzelman serves as President and Chief Executive Officer of Neffs Bancorp, Inc. since May...
Experienced Board: NEFB's board of directors are seasoned and experienced ( 15.8 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Neffs Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Neffs Bancorp, Inc.
- Ticker: NEFB
- Exchange: OTCPK
- Founded: 1923
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$80.059m
- Shares outstanding: 159.80k
- Website: https://www.neffsnatl.com
- Neffs Bancorp, Inc.
- 5629 Route 873
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/24 22:19|
|End of Day Share Price||2021/10/18 00:00|
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.