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North Dallas Bank & Trust

OTCPK:NODB
Snowflake Description

Flawless balance sheet average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
NODB
OTCPK
$216M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

North Dallas Bank & Trust Co. provides various personal and business banking products and services in Texas. The last earnings update was 490 days ago. More info.


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NODB Share Price and Events
7 Day Returns
0%
OTCPK:NODB
-3.2%
US Banks
-0.7%
US Market
1 Year Returns
5.3%
OTCPK:NODB
-10.8%
US Banks
3%
US Market
NODB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
North Dallas Bank & Trust (NODB) 0% 0.9% - 5.3% 38.8% 42.8%
US Banks -3.2% -3.4% -2.3% -10.8% 41.5% 46.8%
US Market -0.7% -2% 2.4% 3% 39.2% 42%
1 Year Return vs Industry and Market
  • NODB outperformed the Banks industry which returned -10.8% over the past year.
  • NODB outperformed the Market in United States of America which returned 3% over the past year.
Price Volatility
NODB
Industry
5yr Volatility vs Market

Value

 Is North Dallas Bank & Trust undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of North Dallas Bank & Trust to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for North Dallas Bank & Trust.

OTCPK:NODB Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $53.93 * 4.8%
$2.60
Book Value of Equity per Share Median Book Value from the past 5 years. $53.93
Discount Rate (Cost of Equity) See below 10.2%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:NODB
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.62
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.62 (1 + (1- 21%) (0%))
1.25
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.25
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.25 * 5.96%)
10.18%

Discounted Cash Flow Calculation for OTCPK:NODB using Excess Returns Model Model

The calculations below outline how an intrinsic value for North Dallas Bank & Trust is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:NODB Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4.8% – 10.18%) * $53.93)
$-2.90
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-2.90 / (10.18% - 2.73%)
$-38.86
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $53.93 + $-38.86
$15.07
OTCPK:NODB Discount to Share Price
Calculation Result
Value per share (USD) From above. $15.07
Current discount Discount to share price of $84.25
= -1 x ($84.25 - $15.07) / $15.07
-458.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of North Dallas Bank & Trust is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for North Dallas Bank & Trust's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are North Dallas Bank & Trust's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:NODB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2017-12-31) in USD $3.44
OTCPK:NODB Share Price ** OTCPK (2019-05-10) in USD $84.25
United States of America Banks Industry PE Ratio Median Figure of 593 Publicly-Listed Banks Companies 12.77x
United States of America Market PE Ratio Median Figure of 3,088 Publicly-Listed Companies 17.89x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of North Dallas Bank & Trust.

OTCPK:NODB PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:NODB Share Price ÷ EPS (both in USD)

= 84.25 ÷ 3.44

24.48x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • North Dallas Bank & Trust is overvalued based on earnings compared to the US Banks industry average.
  • North Dallas Bank & Trust is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does North Dallas Bank & Trust's expected growth come at a high price?
Raw Data
OTCPK:NODB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 24.48x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Banks Industry PEG Ratio Median Figure of 269 Publicly-Listed Banks Companies 1.39x
United States of America Market PEG Ratio Median Figure of 2,117 Publicly-Listed Companies 1.56x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for North Dallas Bank & Trust, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on North Dallas Bank & Trust's assets?
Raw Data
OTCPK:NODB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2017-12-31) in USD $55.87
OTCPK:NODB Share Price * OTCPK (2019-05-10) in USD $84.25
United States of America Banks Industry PB Ratio Median Figure of 598 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,195 Publicly-Listed Companies 1.83x
OTCPK:NODB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:NODB Share Price ÷ Book Value per Share (both in USD)

= 84.25 ÷ 55.87

1.51x

* Primary Listing of North Dallas Bank & Trust.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • North Dallas Bank & Trust is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess North Dallas Bank & Trust's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. North Dallas Bank & Trust has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is North Dallas Bank & Trust expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

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 North Dallas Bank & Trust 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 Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
3.9%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is North Dallas Bank & Trust expected to grow at an attractive rate?
  • Unable to compare North Dallas Bank & Trust's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare North Dallas Bank & Trust's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare North Dallas Bank & Trust's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:NODB Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.9%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:NODB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 year ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:NODB Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2017-12-31 36 9
2016-12-31 33 7
2015-12-31 31 6

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if North Dallas Bank & Trust is high growth as no earnings estimate data is available.
  • Unable to determine if North Dallas Bank & Trust is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:NODB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 year ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from North Dallas Bank & Trust Company Filings, last reported 1 year ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:NODB Past Financials Data
Date (Data in USD Millions) EPS *
2017-12-31 3.44
2016-12-31 2.73
2015-12-31 2.47

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if North Dallas Bank & Trust will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine North Dallas Bank & Trust'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.
  2. North Dallas Bank & Trust's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. 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 North Dallas Bank & Trust's filings and announcements here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess North Dallas Bank & Trust's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
North Dallas Bank & Trust has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has North Dallas Bank & Trust performed over the past 5 years?

  • North Dallas Bank & Trust's last earnings update was 490 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare North Dallas Bank & Trust's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient data to establish if North Dallas Bank & Trust's year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare North Dallas Bank & Trust's 1-year earnings growth to the 5-year average due to insufficient past data.
  • North Dallas Bank & Trust's earnings growth has not exceeded the US Banks industry average in the past year (26.4% vs 40.7%).
Earnings and Revenue History
North Dallas Bank & Trust's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from North Dallas Bank & Trust Company Filings, last reported 1 year ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:NODB Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2017-12-31 36.20 8.86 16.92
2016-12-31 33.12 7.00 16.55
2015-12-31 30.66 6.33 15.65
2014-12-31 28.77 5.68 15.18
2013-12-31 27.87 5.59 14.68

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • North Dallas Bank & Trust has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • North Dallas Bank & Trust used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if North Dallas Bank & Trust improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess North Dallas Bank & Trust's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
North Dallas Bank & Trust has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is North Dallas Bank & Trust's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of North Dallas Bank & Trust's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from North Dallas Bank & Trust Company Filings, last reported 1 year ago.

OTCPK:NODB Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2017-12-31 143.53 0.00 242.44
2016-12-31 140.58 0.00 268.18
2015-12-31 136.52 0.00 305.40
2014-12-31 132.61 0.00 275.35
2013-12-31 128.91 0.00 247.07
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • North Dallas Bank & Trust has an acceptable proportion of non-loan assets held.
  • North Dallas Bank & Trust's liabilities are made up of primarily low risk sources of funding.
  • Loans at North Dallas Bank & Trust are broadly funded by customer deposits.
  • North Dallas Bank & Trust's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • North Dallas Bank & Trust has a sufficient allowance for bad loans.
  • North Dallas Bank & Trust has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess North Dallas Bank & Trust's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. North Dallas Bank & Trust has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is North Dallas Bank & Trust's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.78%
Current annual income from North Dallas Bank & Trust dividends.
If you bought $2,000 of North Dallas Bank & Trust shares you are expected to receive $36 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • North Dallas Bank & Trust's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • North Dallas Bank & Trust's dividend is below the markets top 25% of dividend payers in United States of America (3.69%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:NODB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 473 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2000 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:NODB Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-03-22 1.500 1.790
2018-12-12 1.500 1.758
2018-09-21 0.870 0.973
2018-06-27 0.870 1.014
2018-03-29 0.870 1.075
2017-12-20 0.870 1.111
2017-09-21 0.800 1.063
2017-06-21 0.800 1.100
2017-02-01 0.800 1.092
2016-12-07 0.800 1.106
2016-09-23 0.680 1.054
2016-06-22 0.680 1.127
2015-01-15 0.780 1.241
2012-10-09 0.780 1.585
2012-06-20 0.780 1.584
2012-01-06 0.780 1.687
2011-08-05 0.780 1.648
2010-12-27 0.780 1.674
2010-10-11 0.780 1.878
2009-12-29 0.780 1.934
2009-09-22 0.680 1.753
2009-06-26 0.680 1.780

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • 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
What portion of North Dallas Bank & Trust's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (5x 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.
X
Income/ dividend checks
We assess North Dallas Bank & Trust's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can North Dallas Bank & Trust afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. North Dallas Bank & Trust has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of North Dallas Bank & Trust's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Mike Shipman
TENURE AS CEO 17.6 years
CEO Bio

Mr. W. Michael Shipman, also known as Mike, has been Chairman and Chief Executive Officer of North Dallas Bank & Trust Co. since October 2001. Mr. Shipman served as President of North Dallas Bank & Trust Co. until May 18, 2011.

CEO Compensation
  • Insufficient data for Mike to compare compensation growth.
  • Insufficient data for Mike to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure of the North Dallas Bank & Trust management team in years:

8.1
Average Tenure
  • The average tenure for the North Dallas Bank & Trust management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Mike Shipman

TITLE
Chairman & CEO
TENURE
17.6 yrs

Larry Miller

TITLE
President & Director
TENURE
8.1 yrs

Glenn Henry

TITLE
Executive VP & CFO
TENURE
0.8 yrs

Brandi Shiflett

TITLE
Executive VP & Senior Operations Officer
TENURE
0.8 yrs

Ron Williams

TITLE
Executive VP & Chief Information Officer

Diane Hodges

TITLE

Sam McGregor

TITLE
Senior VP & Cashier

Donald Ashley

TITLE
Senior VP & Manager of Mortgage Division
TENURE
12.3 yrs

Pam Burdine

TITLE
Executive VP & Chief Credit Officer

Toni McReynolds

TITLE
Executive VP and Manager of Trust & Wealth Management
Board of Directors Tenure

Average tenure of the North Dallas Bank & Trust board of directors in years:

8.2
Average Tenure
  • The tenure for the North Dallas Bank & Trust board of directors is about average.
Board of Directors

Larry Miller

TITLE
President & Director
TENURE
8.1 yrs

Larry Nobles

TITLE
Director
TENURE
8.2 yrs

Mike Shipman

TITLE
Chairman & CEO
TENURE
17.6 yrs

Jay Turner

TITLE
Director
TENURE
12 yrs

Larry Byrd

TITLE
Director

Michael Haggerty

TITLE
Director
AGE
65
TENURE
9.9 yrs

John Mahar

TITLE
Director

Paul Pulliam

TITLE
Director

Brannon Marlowe

TITLE
Director
TENURE
3.3 yrs

Tom Koons

TITLE
Director
TENURE
2.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess North Dallas Bank & Trust's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. North Dallas Bank & Trust has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

North Dallas Bank & Trust Co. provides various personal and business banking products and services in Texas. The company offers checking and savings accounts; certificate of deposits and individual retirement accounts; vehicle, personal, overdraft protection, home equity, home improvement, and construction and residential lot loans, as well as home equity line of credit; debit and credit cards; residential mortgage loans; and online and mobile banking services. It also provides business lines of credit, equipment financing, commercial real estate, and interim construction loans, as well as healthcare financing and physician services; and treasury services, such as payables, receivables, information reporting, liquidity management, and fraud mitigation services. In addition, the company offers investment management, trust and fiduciary, retirement, and financial planning services. It operates banking centers in Addison, Dallas, Frisco, Las Colinas, and Plano. The company was founded in 1961 and is based in Dallas, Texas.

Details
Name: North Dallas Bank & Trust Co.
NODB
Exchange: OTCPK
Founded: 1961
$216,438,250
2,569,000
Website: http://www.ndbt.com
Address: North Dallas Bank & Trust Co.
PO Box 679001,
Dallas,
Texas, 75367,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK NODB Common Stock Pink Sheets LLC US USD 13. Nov 1995
Number of employees
Current staff
Staff numbers
153
North Dallas Bank & Trust employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/20 01:37
End of day share price update: 2019/05/10 00:00
Last earnings filing: 2018/01/15
Last earnings reported: 2017/12/31
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.