NEFB Stock Overview

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. More details

NEFB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 44.4% below our estimate of its fair value

Pays a reliable dividend of 4.11%

Risk Analysis

Revenue has declined by 14.7% over the past year

Shares are highly illiquid

Does not have a meaningful market cap ($30M)

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

Neffs Bancorp, Inc. Competitors

Infinity Bancorp

OTCPK:INFT

US$29.8m

Community Capital Bancshares

OTCPK:ALBY

US$28.4m

First Community Financial

OTCPK:FMFP

US$31.1m

High Country Bancorp

OTCPK:HCBC

US$31.2m

Price History & Performance

Summary of share price highs, lows and changes for Neffs Bancorp
Historical stock prices
Current Share Price	US$202.00
52 Week High	US$280.00
52 Week Low	US$186.50
Beta	0.50
1 Month Change	-10.22%
3 Month Change	n/a
1 Year Change	-21.71%
3 Year Change	n/a
5 Year Change	-56.57%
Change since IPO	-48.21%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	NEFB	US Banks	US Market
7D	0%	5.1%	3.8%
1Y	-21.7%	39.7%	24.4%

Return vs Industry: NEFB underperformed the US Banks industry which returned 39.7% over the past year.

Return vs Market: NEFB underperformed the US Market which returned 24.4% over the past year.

Price Volatility

Is NEFB's price volatile compared to industry and market?
NEFB volatility
NEFB Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: NEFB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine NEFB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1923	n/a	Robert Heintzelman	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/individual retirement accounts, and young savers and young adult savers accounts. The company also offers consumer credit products, such as residential mortgages, home equity loans, automobile loans, and personal loans/personal line of credit; 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, Inc. Fundamentals Summary

How do Neffs Bancorp's earnings and revenue compare to its market cap?
NEFB fundamental statistics
Market cap	US$29.62m
Earnings (TTM)	US$2.85m
Revenue (TTM)	US$10.78m

10.4x

P/E Ratio

0.4x

P/B Ratio

Is NEFB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NEFB income statement (TTM)
Revenue	US$10.78m
Cost of Revenue	US$0
Gross Profit	US$10.78m
Other Expenses	US$7.93m
Earnings	US$2.85m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	19.42
Gross Margin	100.00%
Net Profit Margin	26.41%
Debt/Equity Ratio	14.7%

How did NEFB perform over the long term?

See historical performance and comparison

Dividends

4.1%

Current Dividend Yield

45%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/22 18:30
End of Day Share Price	2025/01/16 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Neffs Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution