Snowflake Score | |
---|---|
Valuation | 0/6 |
Future Growth | 0/6 |
Past Performance | 0/6 |
Financial Health | 0/6 |
Dividends | 3/6 |
NUBC Stock Overview
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.
Northumberland Bancorp Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | US$37.12 |
52 Week High | US$39.98 |
52 Week Low | US$36.60 |
Beta | 0 |
1 Month Change | 1.42% |
3 Month Change | -5.55% |
1 Year Change | -3.08% |
3 Year Change | 3.66% |
5 Year Change | 16.36% |
Change since IPO | -12.66% |
Recent News & Updates
Shareholder Returns
NUBC | US Banks | US Market | |
---|---|---|---|
7D | 0.8% | 2.0% | 0.3% |
1Y | -3.1% | -15.3% | -13.5% |
Return vs Industry: NUBC exceeded the US Banks industry which returned -14.7% over the past year.
Return vs Market: NUBC exceeded the US Market which returned -13% over the past year.
Price Volatility
NUBC volatility | |
---|---|
NUBC Average Weekly Movement | n/a |
Banks Industry Average Movement | 3.7% |
Market Average Movement | 7.9% |
10% most volatile stocks in US Market | 17.2% |
10% least volatile stocks in US Market | 3.2% |
Stable Share Price: Insufficient data to determine NUBC's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine NUBC's volatility change over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1903 | n/a | Don Steele | https://www.norrybank.com |
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, money market, and savings accounts; certificates of deposit; individual retirement accounts; investment securities; deposit and trust services; and debit and credit cards. The company also provides commercial mortgage; commercial, short term, working capital, residential investment, secondary market real estate, home equity, personal, and vehicle loans; lines of credit; letters of credit; government lending programs; agricultural financing; insurance products; and merchant services, as well as Internet and telephone banking services, and safe deposit boxes.
Northumberland Bancorp Fundamentals Summary
NUBC fundamental statistics | |
---|---|
Market Cap | US$48.70m |
Earnings (TTM) | US$4.42m |
Revenue (TTM) | US$20.91m |
0.0x
P/E Ratio0.0x
P/B RatioIs NUBC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
NUBC income statement (TTM) | |
---|---|
Revenue | US$20.91m |
Cost of Revenue | US$0 |
Gross Profit | US$20.91m |
Other Expenses | US$16.49m |
Earnings | US$4.42m |
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
n/a
Earnings per share (EPS) | 0 |
Gross Margin | 0.00% |
Net Profit Margin | 0.00% |
Debt/Equity Ratio | 0.0% |
How did NUBC perform over the long term?
See historical performance and comparisonDividends
2.5%
Current Dividend Yieldn/a
Payout RatioValuation
Is NUBC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for NUBC?
Other financial metrics that can be useful for relative valuation.
What is NUBC's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | US$48.70m |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does NUBC's PB Ratio compare to its peers?
NUBC PB Ratio vs Peers |
---|
Company | PB | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 1x | ||
ORPB Oregon Pacific Bancorp | 1.1x | n/a | US$48.7m |
LSFG Lifestore Financial Group | 1.1x | n/a | US$48.9m |
BEOB BEO Bancorp | 1x | n/a | US$47.9m |
TMAK Touchmark Bancshares | 0.8x | n/a | US$49.2m |
NUBC Northumberland Bancorp | n/a | n/a | US$48.7m |
Price-To-Book vs Peers: Insufficient data to calculate NUBC's Price-To-Book Ratio vs. peers for valuation analysis.
Price to Earnings Ratio vs Industry
How does NUBC's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Book vs Industry: Insufficient data to calculate NUBC's Price-To-Book Ratio vs. industry for valuation analysis.
Price to Book Ratio vs Fair Ratio
What is NUBC's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PB Ratio | n/a |
Fair PB Ratio | n/a |
Price-To-Book vs Fair Ratio: Insufficient data to calculate NUBC's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of NUBC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: NUBC ($37.12) is trading above our estimate of fair value ($19.18)
Significantly Below Fair Value: NUBC is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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Future Growth
How is Northumberland Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
10.4%
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 Northumberland 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.
Discover growth companies
- Take a look at our analysis of NUBC’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 Northumberland Bancorp's filings and announcements here.
Past Performance
How has Northumberland Bancorp performed over the past 5 years?
Past Performance Score
0/6Past Performance Score 0/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
15.6%
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, Northumberland 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.
Discover strong past performing companies
- When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Northumberland Bancorp's management and board experience and expertise to assess their ability to deliver on their strategic promises.
- 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 Northumberland Bancorp's filings and announcements here.
Financial Health
How is Northumberland Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
0/6Financial Health Score 0/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
In this section we usually analyse Northumberland 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. Northumberland 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.
Discover healthy companies
- Take a look at our analysis of NUBC’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 Northumberland Bancorp's financial data was last updated here.
Dividend
What is Northumberland Bancorp current dividend yield, its reliability and sustainability?
Dividend Score
3/6Dividend Score 3/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
2.48%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: NUBC's dividend (2.48%) is higher than the bottom 25% of dividend payers in the US market (1.52%).
High Dividend: NUBC's dividend (2.48%) is low compared to the top 25% of dividend payers in the US market (4.08%).
Stability and Growth of Payments
Stable Dividend: NUBC's dividends per share have been stable in the past 10 years.
Growing Dividend: NUBC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
4.1yrs
Average management tenure
CEO
Don Steele
26.33yrs
Tenure
Mr. J. Donald Steele, Jr., also known as Don, serves as Chairman and CEO at Northumberland Bancorp. He served as President of Northumberland National Bank. Mr. Steele serves as Chairman of Northumberland N...
Leadership Team
Experienced Management: NUBC's management team is considered experienced (4.1 years average tenure).
Board Members
Experienced Board: NUBC's board of directors are considered experienced (9.6 years average tenure).
Ownership
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.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Northumberland Bancorp's employee growth, exchange listings and data sources
Key Information
- Name: Northumberland Bancorp
- Ticker: NUBC
- Exchange: OTCPK
- Founded: 1903
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$48.696m
- Shares outstanding: 1.31m
- Website: https://www.norrybank.com
Location
- Northumberland Bancorp
- 245 Front Street
- PO Box 271
- Northumberland
- Pennsylvania
- 17857
- United States
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/08/09 00:00 |
End of Day Share Price | 2022/08/09 00:00 |
Earnings | 2020/12/31 |
Annual Earnings | 2020/12/31 |
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.