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.
Flawless balance sheet average dividend payer.
Share Price & News
How has Neffs Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: NEFB's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: NEFB exceeded the US Banks industry which returned -32.9% over the past year.
Return vs Market: NEFB underperformed the US Market which returned -13.3% over the past year.
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
Is Neffs Bancorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: NEFB ($350) is trading below our estimate of fair value ($483.84)
Significantly Below Fair Value: NEFB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: NEFB is poor value based on its PE Ratio (12.5x) compared to the Banks industry average (8.6x).
PE vs Market: NEFB is poor value based on its PE Ratio (12.5x) compared to the US market (12.5x).
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 is overvalued based on its PB Ratio (0.8x) compared to the US Banks industry average (0.8x).
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.
- Examine Neffs Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- 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 Neffs Bancorp's filings and announcements here.
- Explore growth companies in the Banks industry.
How has Neffs Bancorp performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: NEFB has high quality earnings.
Growing Profit Margin: NEFB's current net profit margins (41.3%) are higher than last year (37.6%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if NEFB's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare NEFB's past year earnings growth to its 5-year average.
Earnings vs Industry: NEFB earnings growth over the past year (15.6%) exceeded the Banks industry 10.9%.
Return on Equity
High ROE: NEFB's Return on Equity (6.8%) 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 level of assets compared to its equity is low.
Allowance for Bad Loans: NEFB has a sufficient allowance for bad loans.
Low Risk Liabilities: NEFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: NEFB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: NEFB's loans are broadly funded by customer deposits.
Level of Bad Loans: NEFB has an appropriate level of bad loans (0.77%)
What is Neffs Bancorp's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: NEFB's dividend (2.21%) is higher than the bottom 25% of dividend payers in the US market (2.01%).
High Dividend: NEFB's dividend (2.21%) is low compared to the top 25% of dividend payers in the US market (5.66%).
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 (27.7%), 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
John Remaley (83yo)
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 ...
|VP & Director||16.25yrs||US$129.33k||no data|
|Independent Director||23.25yrs||US$14.33k||no data|
|Independent Director||21.25yrs||US$13.85k||no data|
|Independent Director||14.33yrs||US$13.18k||no data|
|Independent Director||14.33yrs||US$13.23k||no data|
|Independent Director||10.5yrs||US$13.31k||no data|
Experienced Board: NEFB's board of directors are seasoned and experienced ( 15.3 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 company bio, 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$55.847m
- Shares outstanding: 159.56k
- Website: https://www.neffsnatl.com
- Neffs Bancorp, Inc.
- 5629 PA Route 873
- Post Office Box 10
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|NEFB||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Apr 1993|
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. It accepts various deposit products, including checking accounts, savings and club accounts, money market demand accounts, and certificates of deposit, and retirement accounts. The company also offers consumer credit products, such as personal, automobile, home equity, and real estate mortgages; and commercial credit products, including vehicle and equipment loans, working capital loans, mortgages/equity products, and lines of credit. In addition, it provides tax, estate, and investment planning services; other services, such as ATM, re-order checks, coin counter, direct deposit, drive thru banking, credit card, night depository, overdraft transfer protection, safe deposit box, and wire transfer services; and online banking services. Neffs Bancorp, Inc. was founded in 1923 and is based in Neffs, Pennsylvania.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/07 03:51|
|End of Day Share Price||2020/03/20 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.