Northumberland Bancorp
Market Cap
US$50.9m
Last Updated
2019/10/14 23:37 UTC
Data Sources
Company Financials
Executive Summary
Northumberland Bancorp operates as a bank holding company for The Northumberland National Bank that provides various banking and financial services for personal and commercial customers.
Snowflake
Fundamentals
Flawless balance sheet and slightly overvalued.
Similar Companies
Share Price & News
How has Northumberland Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0%
NUBC
1.7%
US Banks
1.3%
US Market
1 Year Return
6.0%
NUBC
0.3%
US Banks
5.9%
US Market
Return vs Industry: NUBC exceeded the US Banks industry which returned 0.3% over the past year.
Return vs Market: NUBC matched the US Market which returned 5.9% over the past year.
Shareholder returns
| NUBC | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | 1.7% | 1.3% |
| 30 Day | 1.0% | -2.4% | -1.9% |
| 90 Day | 3.2% | 1.0% | -1.8% |
| 1 Year | 8.4%6.0% | 3.2%0.3% | 8.3%5.9% |
| 3 Year | 39.4%30.4% | 52.1%41.7% | 45.6%36.2% |
| 5 Year | 35.9%20.8% | 69.8%51.4% | 66.1%47.9% |
Price Volatility Vs. Market
How volatile is Northumberland Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Northumberland Bancorp undervalued compared to its fair value and its price relative to the market?
14.86x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Undervalued: NUBC ($36.85) is trading above our estimate of fair value ($21.32)
Significantly Undervalued: NUBC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: NUBC is poor value based on its PE Ratio (14.9x) compared to the Banks industry average (12.5x).
PE vs Market: NUBC is good value based on its PE Ratio (14.9x) compared to the US market (17.5x).
Price to Earnings Growth Ratio
Low PEG Ratio: Insufficient data to calculate NUBC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: NUBC is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Northumberland Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
13.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: NUBC's forecast earnings growth (13.4% per year) is above the savings rate (2.7%).
Earnings vs Market: NUBC's earnings (13.4% per year) are forecast to grow slower than the US market (14.4% per year).
High Growth Earnings: NUBC's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if NUBC's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if NUBC's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: Insufficient data to determine if NUBC's Return on Equity is forecast to be high in 3 years time
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Past Performance
How has Northumberland Bancorp performed over the past 5 years?
-7.2%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: NUBC's earnings have declined by -7.2% per year over the past 5 years.
Accelerating Growth: NUBC's earnings growth over the past year (54%) exceeds its 5-year average (-7.2% per year).
Earnings vs Industry: NUBC earnings growth over the past year (54%) exceeded the Banks industry 31.8%.
Return on Equity
High ROE: NUBC's Return on Equity (6%) is considered low.
Return on Assets
ROA vs Industry: NUBC's Return on Assets is below or equal to the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate NUBC's Return on Capital Employed to determine if it has improved over the past 3 years.
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Financial Health
How is Northumberland 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
Inventory Level: NUBC has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if NUBC's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: NUBC's level of assets compared to its equity is low.
Allowance for Bad Loans: NUBC has a sufficient allowance for bad loans.
Low Risk Liabilities: NUBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: NUBC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: NUBC's loans are broadly funded by customer deposits.
Level of Bad Loans: NUBC has an appropriate level of bad loans (0.44%)
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Dividend
What is Northumberland Bancorp's current dividend yield, its reliability and sustainability?
1.98%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: NUBC's dividend (1.98%) is higher than the bottom 25% of dividend payers in the US market (1.47%).
High Dividend: NUBC's dividend (1.98%) is low compared to the top 25% of dividend payers in the US market (3.77%).
Stable Dividend: Whilst dividend payments have been stable, NUBC has been paying a dividend for less than 10 years.
Growing Dividend: NUBC's dividend payments have increased, but the company has only paid a dividend for 8 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (29.4%), NUBC'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
What is the CEO of Northumberland Bancorp's salary, the management and board of directors tenure and is there insider trading?
2.8yrs
Average management tenure
CEO
Don Steele 0
23.5yrs
Tenure
Mr. J. Donald Steele Jr., also known as Don, serves as President of Northumberland National Bank and Northumberland Bancorp. Mr. Steele is Chief Executive Officer of Northumberland Bancorp. since April, 19 ...
Management Age and Tenure
2.8yrs
Average Tenure
Experienced Management: NUBC's management team is considered experienced (2.8 years average tenure).
Board Age and Tenure
2.8yrs
Average Tenure
Experienced Board: NUBC's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Management Team
Mark Ritter (59yo)
Executive Vice President of Wealth Management - Northumberland National Bank
- Tenure: 2.9yrs
Don Steele
Chairman & President
- Tenure: 23.5yrs
J. Troxell
Executive VP & COO
- Tenure: 2.8yrs
Jerry Bolig
Vice President of Finance - Northumberland National Bank
- Tenure: 0yrs
Lisa Hassinger
Senior Vice President of Compliance/Risk Management - The Northumberland National Bank
- Tenure: 1.8yrs
Board Members
Amanda Kessler
Director and Director of Northumberland National Bank
- Tenure: 0yrs
Timothy Apple
Director
- Tenure: 14.8yrs
Willard Bowen
Lead Director
- Tenure: 0yrs
Anthony Markunas
Director and Director of Northumberland National Bank
- Tenure: 0yrs
William Roll
Director and Director of Northumberland National Bank
- Tenure: 0yrs
Don Steele
Chairman & President
- Tenure: 23.5yrs
Chad Geise
Director
- Tenure: 2.8yrs
Adam Purdy
Director
- Tenure: 2.8yrs
Company Information
Northumberland Bancorp's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Northumberland Bancorp
- Ticker: NUBC
- Exchange: OTCPK
- Founded: 1997
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$50.890m
- Shares outstanding: 1.38m
- Website: https://www.norrybank.com
Location
- Northumberland Bancorp
- 245 Front Street
- PO Box 271
- Northumberland
- Pennsylvania
- 17857
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| NUBC | OTCPK (Pink Sheets LLC) | Yes | Share Capital | US | USD | Oct 1990 |
Biography
Northumberland Bancorp operates as a bank holding company for The Northumberland National Bank that provides various banking and financial services for personal and commercial customers. It offers checking ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/14 23:37 |
| End of Day Share Price | 2019/10/10 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.