OTCPK:NUBC

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Northumberland Bancorp

Market Cap

US$50.5m

Last Updated

2021/07/29 23:42 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. More Details


Snowflake Analysis

Flawless balance sheet with proven track record.


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

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.


Market Performance


7 Day Return

0%

NUBC

2.1%

US Banks

0.8%

US Market


1 Year Return

40.1%

NUBC

60.1%

US Banks

37.5%

US Market

Return vs Industry: NUBC underperformed the US Banks industry which returned 54.9% over the past year.

Return vs Market: NUBC exceeded the US Market which returned 36.5% over the past year.


Shareholder returns

NUBCIndustryMarket
7 Day0%2.1%0.8%
30 Day2.6%-1.7%1.0%
90 Day8.6%-3.2%3.8%
1 Year43.9%40.1%64.7%60.1%39.7%37.5%
3 Year16.9%8.6%19.2%8.8%64.4%54.1%
5 Year59.9%42.1%97.5%72.8%124.9%100.0%

Long-Term 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?

3.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: NUBC ($38) is trading below our estimate of fair value ($39.29)

Significantly Below Fair Value: NUBC is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: NUBC is poor value based on its PE Ratio (11.4x) compared to the US Banks industry average (10.9x).

PE vs Market: NUBC is good value based on its PE Ratio (11.4x) compared to the US market (18.3x).


Price to Earnings Growth Ratio

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 (0.8x) compared to the US Banks industry average (1.1x).


Future Growth

How is Northumberland Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.3%

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.


Past Performance

How has Northumberland Bancorp performed over the past 5 years?

14.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: NUBC has high quality earnings.

Growing Profit Margin: NUBC's current net profit margins (21.1%) are higher than last year (17.6%).


Past Earnings Growth Analysis

Earnings Trend: NUBC's earnings have grown by 14.1% per year over the past 5 years.

Accelerating Growth: NUBC's earnings growth over the past year (28.4%) exceeds its 5-year average (14.1% per year).

Earnings vs Industry: NUBC earnings growth over the past year (28.4%) underperformed the Banks industry 32.1%.


Return on Equity

High ROE: NUBC's Return on Equity (7.2%) is considered low.


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


Financial Institutions Analysis

Asset Level: NUBC's Assets to Equity ratio (9.9x) is low.

Allowance for Bad Loans: NUBC has a sufficient allowance for bad loans (314%).

Low Risk Liabilities: 99% of NUBC's liabilities are made up of primarily low risk sources of funding.

Loan Level: NUBC has an appropriate level of Loans to Assets ratio (59%).

Low Risk Deposits: NUBC's Loans to Deposits ratio (66%) is appropriate.

Level of Bad Loans: NUBC has an appropriate level of bad loans (0.3%).


Dividend

What is Northumberland Bancorp current dividend yield, its reliability and sustainability?

2.32%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: NUBC's dividend (2.32%) is higher than the bottom 25% of dividend payers in the US market (1.31%).

High Dividend: NUBC's dividend (2.32%) is low compared to the top 25% of dividend payers in the US market (3.52%).


Stability and Growth of Payments

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 9 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (25.5%), 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

How experienced are the management team and are they aligned to shareholders interests?

6.5yrs

Average board tenure


CEO

Don Steele

25.25yrs

Tenure

Mr. J. Donald Steele, Jr., also known as Don, serves as President and CEO at Northumberland Bancorp. He served as President of Northumberland National Bank. Mr. Steele serves as Chief Executive Officer of ...


Board Members

Experienced Board: NUBC's board of directors are considered experienced (6.5 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 company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Northumberland Bancorp
  • Ticker: NUBC
  • Exchange: OTCPK
  • Founded: 1903
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$50.459m
  • Shares outstanding: 1.33m
  • Website: https://www.norrybank.com

Location

  • Northumberland Bancorp
  • 245 Front Street
  • PO Box 271
  • Northumberland
  • Pennsylvania
  • 17857
  • United States

Listings


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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/07/29 23:42
End of Day Share Price2021/07/12 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.