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
Rewards
Risk Analysis
Snowflake Analysis
Flawless balance sheet with proven track record.
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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
| NUBC | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | 2.1% | 0.8% |
| 30 Day | 2.6% | -1.7% | 1.0% |
| 90 Day | 8.6% | -3.2% | 3.8% |
| 1 Year | 43.9%40.1% | 64.7%60.1% | 39.7%37.5% |
| 3 Year | 16.9%8.6% | 19.2%8.8% | 64.4%54.1% |
| 5 Year | 59.9%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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/07/29 23:42 |
| End of Day Share Price | 2021/07/12 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.