Want to see NACB full AI Analyst Report?
Top Page
National Capital Bank of Washington
(OTC:NACB)
Select Model
Select Model
Rating:72Outperform
Price Target:
$87.00
▲(7.91% Upside)
Action:Upgraded
Date:06/26/26
The score is primarily supported by solid and improving financial performance (revenue growth, better 2025 margins, and meaningful deleveraging). Offsetting this is elevated near-term technical risk from extremely overbought momentum readings despite a strong uptrend. Valuation is reasonable with a moderate P/E and a small dividend yield providing limited additional support.
Positive Factors
Sustained Revenue Growth
Meaningful multi-year revenue growth indicates the bank is expanding core lending or fee businesses and gaining market traction. This scale growth supports long-term earning power, provides room for expense leverage, and underpins sustainable franchise value over the next 2–6 months and beyond.
Negative Factors
Past Balance-Sheet Volatility
A pronounced year-to-year swing in leverage (the 2023 spike) highlights funding or capital management sensitivity. Such volatility signals the bank may face episodic stress or tactical balance-sheet shifts, increasing uncertainty about stability even after recent deleveraging.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Meaningful multi-year revenue growth indicates the bank is expanding core lending or fee businesses and gaining market traction. This scale growth supports long-term earning power, provides room for expense leverage, and underpins sustainable franchise value over the next 2–6 months and beyond.
Read all positive factors
National Capital Bank of Washington (NACB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$92.88M
Dividend Yield1.15%
Average Volume (3M)12.00
Price to Earnings (P/E)14.6
Beta (1Y)0.26
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees63
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.57
Shares Outstanding1,152,000
10 Day Avg. Volume38
30 Day Avg. Volume12
Financial Highlights & Ratios
PEG Ratio1.07
Price to Book (P/B)1.14
Price to Sales (P/S)2.01
P/FCF Ratio8.67
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
National Capital Bank of Washington Business Overview & Revenue Model
Company Description
National Capital Bancorp, Inc. operates as the parent entity for The National Capital Bank of Washington, providing a comprehensive range of financial products and services to individual customers and commercial enterprises throughout the Washingt...
How the Company Makes Money
null...
National Capital Bank of Washington Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
75
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.69M | 38.42M | 38.99M | 32.82M | 25.77M | 24.93M |
| Gross Profit | 25.80M | 26.82M | 27.38M | 25.15M | 23.74M | 23.89M |
| EBITDA | 4.60M | 10.05M | 9.26M | 6.55M | 6.73M | 6.78M |
| Net Income | 6.41M | 7.03M | 6.38M | 4.36M | 4.59M | 4.65M |
Balance Sheet | ||||||
| Total Assets | 735.35M | 763.75M | 714.34M | 703.05M | 645.06M | 735.69M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 81.25M | 44.93M | 43.73M | 36.95M | 138.61M |
| Total Debt | 13.86M | 13.96M | 23.03M | 66.01M | 21.35M | 20.56M |
| Total Liabilities | 666.81M | 696.80M | 655.13M | 649.68M | 596.73M | 680.84M |
| Stockholders Equity | 68.53M | 67.66M | 59.21M | 53.37M | 48.33M | 54.85M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 8.89M | 9.84M | 3.97M | 7.12M | 5.51M |
| Operating Cash Flow | 0.00 | 9.50M | 10.15M | 4.21M | 7.41M | 5.88M |
| Investing Cash Flow | 0.00 | -13.21M | -12.58M | -50.36M | -23.95M | -16.66M |
| Financing Cash Flow | 0.00 | 40.02M | 3.62M | 52.93M | -85.11M | 118.38M |
National Capital Bank of Washington Technical Analysis
Positive
80.62
Price Trends
79.34
Positive
70.02
Positive
67.58
Positive
Market Momentum
0.65
Positive
61.74
Neutral
69.43
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 80.62 is below the 20-day moving average (MA) of 80.73, above the 50-day MA of 79.34, and above the 200-day MA of 67.58, indicating a bullish trend. The MACD of 0.65 indicates Positive momentum. The RSI at 61.74 is Neutral, neither overbought nor oversold. The STOCH value of 69.43 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $122.03M | 10.68 | 14.30% | 1.49% | 6.20% | 60.60% | |
72 Outperform | $92.88M | 14.59 | 9.68% | 1.10% | ― | ― | |
68 Neutral | $90.00M | 12.13 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $90.10M | 11.06 | 11.53% | 5.92% | 6.21% | 8.32% | |
51 Neutral | $111.78M | -4.54 | -7.74% | ― | 10.60% | -935.88% | |
46 Neutral | $105.96M | 70.69 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
NACB
National Capital Bank of Washington
81.33
17.24
26.90%
BOTJ
Bank Of The Jame Financial
27.01
11.86
78.28%
BYFC
Broadway Financial
12.31
4.30
53.68%
UBCP
United Bancorp
15.71
2.07
15.20%
FUSB
First US Bancshares
16.38
4.18
34.22%
FNWB
First Northwest Bancorp
11.36
3.92
52.69%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.