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NEFB

Neffs BancorpOTCPK:NEFB Stock Report

Market Cap

US$80.1m

7D

0.2%

1Y

n/a

Updated

24 Oct, 2021

Data

Company Financials
NEFB fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance1/6
Financial Health6/6
Dividends4/6

NEFB Overview

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

Customers Bancorp

NYSE:CUBI

US$1.5b

Howard Bancorp

NasdaqCM:HBMD

US$396.0m

Peoples Financial Services

NasdaqGS:PFIS

US$331.4m

First Bank

NasdaqGM:FRBA

US$298.1m

Price History & Performance

Summary of all time highs, changes and price drops for Neffs Bancorp
Historical stock prices
Current Share PriceUS$501.00
52 Week HighUS$445.00
52 Week LowUS$715.00
Beta0.43
1 Month Change0.20%
3 Month Changen/a
1 Year Changen/a
3 Year Change31.84%
5 Year Change64.26%
Change since IPO28.46%

Recent News & Updates

Shareholder Returns

NEFBUS BanksUS Market
7D0.2%3.3%1.7%
1Yn/a73.9%30.3%

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.

Price Volatility

Is NEFB's price volatile compared to industry and market?
NEFB volatility
NEFB Beta0.43
Industry Beta1.32
Market Beta1

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

FoundedEmployeesCEOWebsite
1923n/aRobert Heintzelmanhttps://www.neffsnatl.com

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

How do Neffs Bancorp's earnings and revenue compare to its market cap?
NEFB fundamental statistics
Market CapUS$80.06m
Earnings (TTM)US$3.54m
Revenue (TTM)US$10.21m

22.6x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
NEFB income statement (TTM)
RevenueUS$10.21m
Cost of RevenueUS$0
Gross ProfitUS$10.21m
ExpensesUS$6.67m
EarningsUS$3.54m

Last Reported Earnings

Dec 31, 2020

Next Earnings Date

n/a

Earnings per share (EPS)22.16
Gross Margin100.00%
Net Profit Margin34.67%
Debt/Equity Ratio13.5%

How did NEFB perform over the long term?

See historical performance and comparison

Dividends

1.6%

Current Dividend Yield

36%

Payout Ratio

Does NEFB pay a reliable dividends?

See NEFB dividend history and benchmarks
When do you need to buy NEFB by to receive an upcoming dividend?
Neffs Bancorp dividend dates
Ex Dividend DateOct 28 2021
Dividend Pay DateNov 15 2021
Days until Ex dividend3 days
Days until Dividend pay date21 days

Does NEFB pay a reliable dividends?

See NEFB dividend history and benchmarks

Valuation

Is Neffs Bancorp undervalued compared to its fair value and its price relative to the market?

22.61x

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.


Future Growth

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

-1.2%

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.


Past Performance

How has Neffs Bancorp performed over the past 5 years?

-1.7%

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.


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


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%).


Dividend

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

1.64%

Current Dividend Yield


Upcoming Dividend Payment

TodayOct 25 2021Ex Dividend DateOct 28 2021Dividend Pay DateNov 15 202118 days from Ex DividendBuy in the next 3 days to receive the upcoming dividend

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

15.8yrs

Average board tenure


CEO

Robert Heintzelman (62 yo)

0.42

Tenure

US$13,851

Compensation

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...


Board Members

Experienced Board: NEFB's board of directors are seasoned and experienced ( 15.8 years average tenure).


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 not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Neffs Bancorp, Inc.'s 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$80.059m
  • Shares outstanding: 159.80k
  • Website: https://www.neffsnatl.com

Location

  • Neffs Bancorp, Inc.
  • 5629 Route 873
  • Neffs
  • Pennsylvania
  • 18065
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/24 22:19
End of Day Share Price2021/10/18 00:00
Earnings2020/12/31
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.