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Nasb Financial
(OTC:NASB)
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Rating:69Neutral
Price Target:
$47.00
â–²(5.86% Upside)
Action:Reiterated
Date:08/06/26
The score is led by solid technical strength (price above key moving averages with positive MACD) and attractive valuation (low P/E with a ~3.94% dividend yield). These positives are tempered by moderate financial quality: profitability is solid, but multi-year revenue/earnings and cash-flow volatility plus a notable FY2025 debt increase elevate balance-sheet and funding sensitivity.
Positive Factors
Focused mortgage banking model
Nasb’s core business is clear and specialized: originating and servicing single-family residential mortgages funded by deposit products. This focused model supports predictable interest income streams, franchise expertise in mortgage credit, and a durable earnings base tied to housing finance fundamentals rather than volatile trading businesses.
Negative Factors
Material FY2025 debt increase
A meaningful jump in total debt raises leverage and funding sensitivity. If funding costs rise or net interest margins compress, higher debt amplifies earnings pressure and liquidity risk, reducing financial flexibility and increasing vulnerability to interest-rate and deposit outflow shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Focused mortgage banking model
Nasb’s core business is clear and specialized: originating and servicing single-family residential mortgages funded by deposit products. This focused model supports predictable interest income streams, franchise expertise in mortgage credit, and a durable earnings base tied to housing finance fundamentals rather than volatile trading businesses.
Read all positive factors
Nasb Financial (NASB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$314.01M
Dividend Yield3.72%
Average Volume (3M)601.00
Price to Earnings (P/E)8.8
Beta (1Y)-0.10
Revenue Growth2.84%
EPS Growth36.45%
CountryUS
Employees409
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.05
Shares Outstanding7,120,501
10 Day Avg. Volume434
30 Day Avg. Volume601
Financial Highlights & Ratios
PEG Ratio2.41
Price to Book (P/B)0.59
Price to Sales (P/S)1.42
P/FCF Ratio10.61
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
Nasb Financial Business Overview & Revenue Model
Company Description
NASB Financial, Inc. operates as a holding company for North American Savings Bank, F.S.B. and Nor-Am Service Corporation that provides various banking products and services in the United States. The company offers demand deposit, savings, money m...
How the Company Makes Money
Nasb Financial primarily makes money through its bank subsidiary by earning interest income on loans and investments and paying interest on deposits and other funding, with the difference (net interest income) representing a core earnings driver. ...
Nasb Financial Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 161.17M | 178.73M | 85.58M | 149.39M | 114.42M | 201.89M |
| Gross Profit | 95.09M | 88.49M | 85.58M | 91.68M | 99.53M | 186.33M |
| EBITDA | 49.15M | 39.06M | 36.24M | 37.98M | 42.13M | 95.69M |
| Net Income | 36.33M | 28.72M | 28.26M | 21.65M | 32.09M | 73.71M |
Balance Sheet | ||||||
| Total Assets | 3.20B | 2.93B | 2.86B | 2.81B | 2.64B | 2.36B |
| Cash, Cash Equivalents and Short-Term Investments | 714.28M | 712.56M | 315.18M | 642.88M | 415.79M | 258.88M |
| Total Debt | 889.29M | 644.03M | 482.53M | 604.98M | 724.22M | 569.33M |
| Total Liabilities | 2.75B | 2.50B | 2.45B | 2.43B | 2.27B | 1.97B |
| Stockholders Equity | 445.57M | 430.94M | 413.20M | 386.11M | 378.88M | 393.35M |
Cash Flow | ||||||
| Free Cash Flow | 23.83M | 23.83M | 19.44M | 144.96M | 453.11M | -8.40M |
| Operating Cash Flow | 25.69M | 25.69M | 21.26M | 146.29M | 457.51M | -2.44M |
| Investing Cash Flow | 4.86M | 4.86M | -118.41M | -117.27M | -653.61M | 267.13M |
| Financing Cash Flow | 44.20M | 44.20M | 7.13M | 163.99M | 292.70M | -237.44M |
Nasb Financial Technical Analysis
Positive
44.40
Price Trends
42.25
Positive
40.68
Positive
38.90
Positive
Market Momentum
0.68
Positive
60.68
Neutral
35.25
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 44.4 is above the 20-day moving average (MA) of 43.67, above the 50-day MA of 42.25, and above the 200-day MA of 38.90, indicating a bullish trend. The MACD of 0.68 indicates Positive momentum. The RSI at 60.68 is Neutral, neither overbought nor oversold. The STOCH value of 35.25 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $310.12M | 10.09 | 12.67% | 3.28% | 8.67% | 27.93% | |
76 Outperform | $389.86M | 11.74 | 12.98% | 1.68% | 18.42% | 190.13% | |
69 Neutral | $314.01M | 8.79 | 8.29% | 3.93% | 2.84% | 36.45% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $276.83M | 16.31 | 6.78% | 1.96% | 6.09% | 41.66% | |
52 Neutral | $293.56M | 14.17 | 8.48% | 2.86% | 11.11% | 24.17% |
* Financial Sector Average
NASB
Nasb Financial
43.81
10.75
32.51%
WNEB
Western New England Bancorp
13.72
1.44
11.75%
CHMG
Chemung Financial
81.60
28.93
54.94%
FDBC
Fidelity D & D Bancorp
53.70
11.61
27.58%
ISBA
Isabella Bank
39.44
6.61
20.15%
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.