National Capital Bank of Washington (NACB) AI Stock Analysis

• Market Cap: $74.88M
• Dividend Yield: 1.48%
• Average Volume (3M): 56.00
• Price to Earnings (P/E): 11.7
• Beta (1Y): 0.38
• Revenue Growth: 19.25%
• EPS Growth: 46.26%
• Country: US
• Employees: 63
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.66
• Shares Outstanding: 1,152,000
• 10 Day Avg. Volume: 41
• 30 Day Avg. Volume: 56
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.25
• Enterprise Value/Revenue: 2.96
• Enterprise Value/Gross Profit: 2.70
• Enterprise Value/Ebitda: -39.07
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: ―

NACB demonstrates solid financial performance with strong revenue growth, excellent cash flow, and no debt, which supports a robust financial position. The technical analysis indicates positive momentum, though caution is advised due to potential overbought conditions. Valuation metrics suggest the stock is fairly valued, making it a moderate investment opportunity in the regional banking sector.

National Capital Bank of Washington Business Overview & Revenue Model

Company Description

National Capital Bancorp, Inc. operates as the bank holding for The National Capital Bank of Washington that provides various banking products and services to individuals and businesses in Washington. It offers savings and checking accounts. The company also provides personal loans; home equity lines of credit; residential mortgages; paycheck protection program loans; commercial lines of credit; term loans; commercial mortgages; construction finance; equipment financing and leasing; loans for nonprofit organizations; letters of credit; SBA loans; and debit and credit cards. In addition, it offers cash management, disbursement services, online and mobile banking services, mobile deposits, escrow management, automated clearing house, remote deposit capture, lockbox services, merchant card processing, safe deposit boxes, and wealth management services. The company was founded in 1889 and is based in Washington, the District of Columbia.

How the Company Makes Money

National Capital Bank of Washington generates revenue primarily through interest income from loans and mortgages offered to individuals and businesses. It also earns money from service charges on deposit accounts, transaction fees, and other banking services. Additionally, NACB may invest in various securities to generate investment income. The bank's earnings are further supported by partnerships with local businesses and community organizations, enhancing its service offerings and customer base.

National Capital Bank of Washington Financial Statement Overview

Summary

National Capital Bank of Washington exhibits strong financial health with consistent revenue growth, robust profit margins, and significant improvements in cash flow. The absence of debt strengthens the balance sheet, although a relatively low equity ratio poses potential leverage risk if liabilities increase.

Income Statement

The income statement shows a steady growth trajectory with revenue increasing from $24.9 million in 2023 to $27.4 million in 2024, a growth rate of approximately 9.8%. The gross profit margin and net profit margin remain strong at 100% and 23.3% respectively in 2024. EBIT margin also improved to 33.3% indicating efficient operational performance. However, the absence of EBITDA data limits a comprehensive analysis.

Balance Sheet

The balance sheet reflects a robust financial position with no total debt recorded in 2024, improving the debt-to-equity ratio to zero. Stockholders' equity increased to $59.2 million, contributing to an equity ratio of 8.3%. Return on equity remained impressive at 10.8%, though slightly constrained by the relatively low equity ratio.

Cash Flow

Cash flow analysis indicates a significant increase in free cash flow from $3.97 million in 2023 to $9.84 million in 2024, an impressive growth of 148%. The operating cash flow to net income ratio of 1.59 suggests healthy cash conversion. However, the absence of free cash flow to net income ratio limits the depth of analysis.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	27.38M	24.94M	25.77M	24.93M	23.88M
Gross Profit	27.38M	25.15M	25.77M	24.93M	23.88M
EBITDA	0.00	-279.00K	0.00	0.00	0.00
Net Income	6.38M	4.36M	4.59M	4.65M	2.65M
Balance Sheet
Total Assets	714.34M	703.05M	645.06M	735.69M	616.98M
Cash, Cash Equivalents and Short-Term Investments	44.93M	43.73M	36.95M	138.61M	31.01M
Total Debt	0.00	13.73M	21.35M	20.56M	26.20M
Total Liabilities	655.13M	649.68M	596.73M	680.84M	563.54M
Stockholders Equity	59.21M	53.37M	48.33M	54.85M	53.45M
Cash Flow
Free Cash Flow	9.84M	3.97M	7.12M	5.51M	1.93M
Operating Cash Flow	10.15M	4.21M	7.41M	5.88M	5.05M
Investing Cash Flow	-12.58M	-50.36M	-23.95M	-16.66M	-80.29M
Financing Cash Flow	3.62M	52.93M	-85.11M	118.38M	85.81M

National Capital Bank of Washington Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 65.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NACB, the sentiment is Positive. The current price of 65 is above the 20-day moving average (MA) of 64.61, above the 50-day MA of 64.56, and below the 200-day MA of 66.91, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 53.24 is Neutral, neither overbought nor oversold. The STOCH value of 49.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NACB.

National Capital Bank of Washington Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NACB	78 Outperform	$74.88M	11.72	11.34%	1.48%	19.25%	46.26%
LSBK	73 Outperform	$100.66M	17.39	5.49%	2.72%	1.31%	33.35%
AUBN	70 Neutral	$96.06M	14.43	―	3.93%	27.65%	996.66%
IROQ	69 Neutral	$86.97M	19.00	―	1.54%	6.61%	139.05%
FUSB	67 Neutral	$69.50M	12.45	5.75%	2.32%	2.84%	-31.20%
UBCP	61 Neutral	$78.53M	10.70	12.50%	6.69%	5.73%	-13.97%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%