Northumberland Bancorp Past Earnings Performance
Past criteria checks 1/6
Northumberland Bancorp's earnings have been declining at an average annual rate of -5.4%, while the Banks industry saw earnings growing at 9.7% annually. Revenues have been growing at an average rate of 2.3% per year. Northumberland Bancorp's return on equity is 3.9%, and it has net margins of 9.6%.
Key information
-5.4%
Earnings growth rate
-4.7%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 2.3% |
| Return on equity | 3.9% |
| Net Margin | 9.6% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses BreakdownBeta
How Northumberland Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 20 | 2 | 14 | 0 |
| 30 Sep 23 | 20 | 2 | 14 | 0 |
| 30 Jun 23 | 21 | 3 | 14 | 0 |
| 31 Mar 23 | 21 | 3 | 14 | 0 |
| 31 Dec 22 | 21 | 3 | 14 | 0 |
| 30 Sep 22 | 21 | 3 | 14 | 0 |
| 30 Jun 22 | 21 | 3 | 13 | 0 |
| 31 Mar 22 | 21 | 3 | 13 | 0 |
| 31 Dec 21 | 21 | 4 | 13 | 0 |
| 30 Sep 21 | 22 | 4 | 13 | 0 |
| 31 Mar 21 | 22 | 5 | 13 | 0 |
| 31 Dec 20 | 21 | 4 | 12 | 0 |
| 30 Sep 20 | 20 | 4 | 13 | 0 |
| 31 Mar 20 | 20 | 3 | 13 | 0 |
| 31 Dec 19 | 20 | 3 | 12 | 0 |
| 30 Sep 19 | 19 | 4 | 12 | 0 |
| 30 Jun 19 | 19 | 3 | 12 | 0 |
| 31 Mar 19 | 18 | 3 | 12 | 0 |
| 31 Dec 18 | 18 | 3 | 12 | 0 |
| 30 Sep 18 | 18 | 2 | 12 | 0 |
| 30 Jun 18 | 18 | 2 | 11 | 0 |
| 31 Mar 18 | 17 | 2 | 11 | 0 |
| 31 Dec 17 | 17 | 2 | 11 | 0 |
| 30 Sep 17 | 17 | 3 | 11 | 0 |
| 30 Jun 17 | 17 | 3 | 11 | 0 |
| 31 Mar 17 | 17 | 3 | 11 | 0 |
| 31 Dec 16 | 17 | 3 | 10 | 0 |
| 30 Sep 16 | 16 | 2 | 10 | 0 |
| 30 Jun 16 | 16 | 2 | 10 | 0 |
| 31 Mar 16 | 16 | 2 | 10 | 0 |
| 31 Dec 15 | 16 | 2 | 9 | 0 |
| 30 Sep 15 | 16 | 3 | 9 | 0 |
| 30 Jun 15 | 16 | 3 | 9 | 0 |
| 31 Mar 15 | 16 | 4 | 8 | 0 |
| 31 Dec 14 | 16 | 4 | 8 | 0 |
| 30 Sep 14 | 16 | 4 | 8 | 0 |
| 30 Jun 14 | 16 | 4 | 8 | 0 |
| 31 Mar 14 | 16 | 4 | 8 | 0 |
| 31 Dec 13 | 16 | 4 | 8 | 0 |
| 30 Sep 13 | 16 | 4 | 8 | 0 |
| 30 Jun 13 | 16 | 4 | 8 | 0 |
Quality Earnings: NUBC has high quality earnings.
Growing Profit Margin: NUBC's current net profit margins (9.6%) are lower than last year (14.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: NUBC's earnings have declined by 5.4% per year over the past 5 years.
Accelerating Growth: NUBC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: NUBC had negative earnings growth (-38%) over the past year, making it difficult to compare to the Banks industry average (-12.4%).
Return on Equity
High ROE: NUBC's Return on Equity (3.9%) is considered low.