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National Capital Bank of Washington
(OTC:NACB)
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Rating:74Outperform
Price Target:
$99.00
▲(22.80% Upside)
Action:Reiterated
Date:09/26/26
The score is driven primarily by improving financial fundamentals (revenue growth, better margins, and materially lower leverage) tempered by historical volatility in leverage/EBITDA and uneven cash-flow metrics. Technicals are supportive given the strong uptrend, but overbought signals (high RSI/Stoch) add near-term risk. Valuation is broadly fair with a modest dividend yield.
Positive Factors
Revenue and Profit Growth
Sustained revenue expansion alongside improving net margins indicates that the bank is growing its customer and lending base while retaining more earnings from that activity. This combination can strengthen internal capital formation and support continued investment over the next several quarters.
Negative Factors
Balance Sheet Volatility
Although current leverage is conservative, the sharp historical swing shows that the balance sheet can change materially across periods. Such volatility makes capital planning and risk assessment less predictable, and may cause investors to apply a persistent discount to the bank’s financial stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profit Growth
Sustained revenue expansion alongside improving net margins indicates that the bank is growing its customer and lending base while retaining more earnings from that activity. This combination can strengthen internal capital formation and support continued investment over the next several quarters.
Read all positive factors
National Capital Bank of Washington (NACB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$97.57M
Dividend Yield1.11%
Average Volume (3M)354.00
Price to Earnings (P/E)15.2
Beta (1Y)0.35
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. Volume656
30 Day Avg. Volume354
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
NACB primarily makes money through (1) net interest income and (2) non-interest income. Net interest income is earned by taking customer deposits and other funding sources and deploying those funds into interest-earning assets—most notably loans—t...
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
82.41
Positive
75.47
Positive
69.80
Positive
Market Momentum
1.41
Positive
51.80
Neutral
54.26
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 84.83, below the 50-day MA of 82.41, and above the 200-day MA of 69.80, indicating a neutral trend. The MACD of 1.41 indicates Positive momentum. The RSI at 51.80 is Neutral, neither overbought nor oversold. The STOCH value of 54.26 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 | $122.85M | 10.60 | 14.30% | 1.49% | 6.20% | 60.60% | |
74 Outperform | $97.57M | 15.21 | 9.68% | 1.11% | ― | ― | |
68 Neutral | $91.10M | 12.21 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $84.60M | 10.42 | 11.53% | 6.42% | 6.21% | 8.32% | |
51 Neutral | $111.20M | -4.37 | -7.74% | 3.21% | 10.60% | -935.88% | |
43 Neutral | $95.21M | 62.29 | 0.96% | 2.84% | -6.12% | ― |
* Financial Sector Average
NACB
National Capital Bank of Washington
84.70
21.10
33.17%
BOTJ
Bank Of The Jame Financial
26.83
11.52
75.28%
BYFC
Broadway Financial
11.83
4.65
64.76%
UBCP
United Bancorp
14.79
1.51
11.40%
FUSB
First US Bancshares
16.49
4.37
36.08%
FNWB
First Northwest Bancorp
10.01
2.16
27.52%
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.