Nasb Financial (NASB) AI Stock Analysis

• Market Cap: $253.85M
• Dividend Yield: 3.84%
• Average Volume (3M): 681.00
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.01
• Revenue Growth: 8.39%
• EPS Growth: -4.72%
• Country: US
• Employees: 463
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 7,226,054
• 10 Day Avg. Volume: 337
• 30 Day Avg. Volume: 681
• PEG Ratio: 0.31
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 3.19
• P/FCF Ratio: 14.04
• Enterprise Value/Market Cap: 1.92
• Enterprise Value/Revenue: 4.50
• Enterprise Value/Gross Profit: 5.71
• Enterprise Value/Ebitda: 13.90
• 1Y Price Target: $38.00
• Price Target Upside: 8.17% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: $38.00 ▲(8.17% Upside)

Nasb Financial's overall score reflects strong valuation and technical stability, with a solid financial performance despite challenges in revenue growth and cash flow management. The low P/E ratio and reasonable dividend yield enhance its attractiveness, while the technical indicators suggest a stable market position.

Nasb Financial Business Overview & Revenue Model

Company Description

NASB Financial, Inc. operates as a unitary thrift holding company for North American Savings Bank, F.S.B. that provides various banking products and services in the United States. The company offers checking, savings, money market, and certificate of deposit accounts. It also mortgages and refinancing products, including conventional, veterans administration, federal housing administration, jumbo, and IRA residential real-estate loans. In addition, the company provides commercial real estate development and commercial loans, such as multifamily, retail, single-tenant, multi-tenant, office, industrial, and other loans; investment property loans; and construction and development loans. It operates 10 branch offices, 50 ATMs, and 3 mortgage loan offices. The company was founded in 1927 and is based in Grandview, Missouri.

How the Company Makes Money

Nasb Financial generates revenue primarily through interest income from loans, including mortgage and personal loans, as well as fees associated with banking services. The company earns money from the interest spread between the rates it pays on deposits and the rates it charges on loans. Additionally, NASB collects fees for various banking services, such as account maintenance, transaction fees, and advisory services. The company may also have partnerships with other financial institutions or service providers that enhance its product offerings and contribute to its earnings through referral fees or revenue sharing agreements.

Nasb Financial Financial Statement Overview

Summary

Nasb Financial demonstrates solid profitability with a strong net profit margin of 26.60% and a stable equity position. However, challenges in revenue growth and cash flow management, along with a high debt-to-equity ratio, suggest potential risks if leverage is not managed properly.

Income Statement

The income statement shows a strong gross profit margin of approximately 80.45% for the TTM period, indicating robust profitability from core operations. However, the revenue growth rate is negative when compared to the previous annual period, which suggests some challenges in revenue generation. Net profit margin stands at 26.60% for the TTM, reflecting good cost management. EBIT and EBITDA margins are relatively moderate, indicating stable operational efficiency.

Balance Sheet

The balance sheet is stable with a debt-to-equity ratio of 1.65, which is relatively high, suggesting significant leverage. However, the equity ratio of 14.18% indicates a solid equity position relative to total assets. Return on equity (ROE) is strong at 6.90%, showcasing efficient use of shareholder funds to generate profits. The company has a good cash reserve, enhancing financial stability.

Cash Flow

Cash flow metrics indicate potential concerns as operating cash flow was zero in the TTM period. The free cash flow growth rate cannot be calculated due to a zero base in the previous period. The absence of positive free cash flow and operating cash flow hinders the cash flow assessment, suggesting possible liquidity management issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	108.50M	85.58M	148.12M	114.42M	243.46M	256.07M
Gross Profit	85.47M	85.58M	91.73M	99.53M	186.33M	212.07M
EBITDA	35.10M	36.24M	36.70M	33.99M	95.69M	140.03M
Net Income	26.81M	28.26M	21.65M	32.09M	73.71M	103.50M
Balance Sheet
Total Assets	2.94B	2.86B	2.81B	2.64B	2.36B	2.55B
Cash, Cash Equivalents and Short-Term Investments	726.17M	315.18M	642.88M	415.79M	258.88M	246.49M
Total Debt	651.24M	482.53M	600.79M	724.22M	569.33M	383.96M
Total Liabilities	2.52B	2.45B	2.43B	2.27B	1.97B	2.20B
Stockholders Equity	423.57M	413.20M	386.11M	378.88M	393.35M	350.38M
Cash Flow
Free Cash Flow	0.00	19.44M	144.96M	453.11M	-8.40M	-4.60M
Operating Cash Flow	0.00	21.26M	146.29M	457.51M	-2.44M	485.00K
Investing Cash Flow	0.00	-118.41M	-117.27M	-653.61M	267.13M	246.02M
Financing Cash Flow	0.00	7.13M	163.99M	292.70M	-237.44M	-220.33M

Nasb Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.13
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NASB, the sentiment is Positive. The current price of 35.13 is below the 20-day moving average (MA) of 35.14, above the 50-day MA of 34.58, and above the 200-day MA of 34.56, indicating a neutral trend. The MACD of 0.16 indicates Positive momentum. The RSI at 54.65 is Neutral, neither overbought nor oversold. The STOCH value of 32.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NASB.

Nasb Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WNEB	74 Outperform	$227.05M	18.84	5.08%	2.53%	6.82%	-6.56%
FDBC	72 Outperform	$238.13M	10.07	11.47%	3.88%	19.27%	49.15%
ISBA	69 Neutral	$265.62M	16.51	7.69%	3.10%	8.16%	10.10%
NASB	68 Neutral	$253.85M	9.50	6.45%	3.84%	8.39%	-4.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MBCN	67 Neutral	$220.21M	12.14	8.60%	3.05%	7.42%	15.82%
CHMG	58 Neutral	$240.31M	21.14	5.18%	2.57%	-6.64%	-51.99%