OTCPK:NRLB

Stock Analysis Report

Northern California Bancorp

Executive Summary

Northern California Bancorp, Inc. operates as the bank holding company for Monterey County Bank that provides retail and commercial banking products and services in California.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Northern California Bancorp's last earnings update was 2649 days ago.
  • Northern California Bancorp is not covered by any analysts.

Share Price & News

How has Northern California Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:NRLB

-1.8%

US Banks

-1.6%

US Market


1 Year Return

n/a

OTCPK:NRLB

-16.1%

US Banks

-3.0%

US Market

No trading data on NRLB.

No trading data on NRLB.


Share holder returns

NRLBIndustryMarket
7 Day0%-1.8%-1.6%
30 Day0%-10.6%-5.8%
90 Dayn/a-5.0%0.2%
1 Yearn/a-13.7%-16.1%-0.8%-3.0%
3 Year178.6%178.6%37.9%28.5%38.0%29.1%
5 Year85.7%85.7%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Northern California Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Northern California Bancorp undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether Northern California Bancorp is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Northern California Bancorp has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of NRLB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Northern California Bancorp regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Northern California Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

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 Northern California 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.


Next Steps

  • Take a look at our analysis of NRLB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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 Northern California Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Northern California Bancorp performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Northern California Bancorp has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Northern California Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Northern California Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Northern California Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of NRLB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. 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.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Northern California Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Northern California Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Northern California Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Northern California Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Northern California Bancorp has not reported any payouts.

Unable to verify if Northern California Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Northern California Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Northern California Bancorp's salary, the management and board of directors tenure and is there insider trading?

9.0yrs

Average management tenure


CEO

Charles Chrietzberg (77yo)

24.6yrs

Tenure

US$468,000

Compensation

Mr. Charles T. Chrietzberg, Jr., serves as the Chairman, Chief Executive Officer and President at Northern California BanCorp. Inc. Mr. Chrietzberg has been the Chairman of the Board and Chief Executive Of ...


Management Age and Tenure

9.0yrs

Average Tenure

64.5yo

Average Age

The average tenure for the Northern California Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

24.6yrs

Average Tenure

77yo

Average Age

The average tenure for the Northern California Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Charles Chrietzberg (77yo)

    Chairman

    • Tenure: 24.6yrs
    • Compensation: US$468.00k
  • Bruce Warner (71yo)

    Executive VP & CFO

    • Tenure: 0.0yrs
    • Compensation: US$181.00k
  • Dorina Chan

    Corporate Secretary & Executive Asst. to CEO

    • Tenure: 0.0yrs
  • Stephanie Chrietzberg (51yo)

    Senior Vice President

    • Tenure: 12.6yrs
    • Compensation: US$30.00k
  • Patti Weber (58yo)

    SVP, Senior Operations Manager & BSA Officer

    • Tenure: 14.7yrs
    • Compensation: US$123.00k
  • Sonia Driskell

    Senior VP & Note Dept Supervisor

    • Tenure: 3.4yrs

Board Members

  • Charles Chrietzberg (77yo)

    Chairman

    • Tenure: 24.6yrs
    • Compensation: US$468.00k
  • John Lotz (77yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$34.70k
  • Peter Coniglio (89yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$30.00k
  • Sandra Chrietzberg (75yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$30.00k
  • Stephanie Chrietzberg (51yo)

    Senior Vice President

    • Tenure: 12.6yrs
    • Compensation: US$30.00k

Company Information

Northern California Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Northern California Bancorp, Inc.
  • Ticker: NRLB
  • Exchange: OTCPK
  • Founded: 1977
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$6.950m
  • Shares outstanding: 3.56m
  • Website: https://www.montereycountybank.com

Location

  • Northern California Bancorp, Inc.
  • 601 Munras Avenue
  • Monterey
  • California
  • 93940
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
NRLBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2005

Biography

Northern California Bancorp, Inc. operates as the bank holding company for Monterey County Bank that provides retail and commercial banking products and services in California. Its deposit products include ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:53
End of Day Share Price2019/07/02 00:00
Earnings2012/03/31
Annual Earnings2011/12/31


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.