Nasb Financial (NASB) AI Stock Analysis

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Nasb Financial

(Other OTC:NASB)

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Rating:59Neutral

Price Target:$49.00▲(5.26% Upside)

Action:reiterated

Date:08/06/26

The overall score of 59.0 reflects mixed signals. The primary drag is weak financial performance, characterized by declining profitability and low returns. However, strong technical momentum and an attractive valuation provide offsetting support. Investors should monitor the company's ability to improve earnings while being mindful of the recent price run-up.

Positive Factors

Sustained profitabilityHealthy net margins sustained across FY2024 and FY2025 indicate that the bank retains meaningful earnings power despite changing operating conditions. This profitability can support internal capital generation and provide resilience against moderate pressure on funding costs or loan performance.

Negative Factors

Higher debt burdenThe material increase in total debt raises balance-sheet and funding sensitivity for a bank whose earnings depend on the spread between asset yields and funding costs. Higher obligations could pressure profitability and financial flexibility if borrowing costs rise or operating results weaken.

Nasb Financial (NASB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $331.46M
Dividend Yield: 3.01%
Average Volume (3M): 1,534
Price to Earnings (P/E): 9.2
Beta (1Y): -0.13
Revenue Growth: 2.84%
EPS Growth: 36.45%
Country: US
Employees: 409
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 mark...

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. Key...

Nasb Financial Financial Statement Overview

Summary

NASB's financial health is below average. Income statement shows declining profitability and margin compression, with net income CAGR -23% over five years. Balance sheet has moderate leverage but low ROE (6.7%). Cash flows are positive but historically volatile. Overall, financial performance is weak.

Income Statement

25Negative

Balance Sheet

40Negative

Cash Flow

45Neutral

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price46.55

Price Trends

50DMA45.95Positive

100DMA44.14Positive

200DMA41.45Positive

Market Momentum

MACD0.25Negative

RSI64.34Neutral

STOCH80.85Negative

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 46.55 is above the 20-day moving average (MA) of 46.12, above the 50-day MA of 45.95, and above the 200-day MA of 41.45, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 64.34 is Neutral, neither overbought nor oversold. The STOCH value of 80.85 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NASB.

Nasb Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

NASB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ISBA	74Outperform	$336.21M	13.79	8.89%	2.83%	11.39%	16.66%
FDBC	73Outperform	$389.52M	12.12	13.08%	2.60%	8.19%	22.19%
CHMG	69Neutral	$413.27M	10.68	14.49%	1.62%	18.85%	184.40%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WNEB	65Neutral	$268.11M	13.60	8.04%	2.06%	5.29%	52.20%
NASB	59Neutral	$331.42M	9.22	8.29%	3.01%	2.84%	36.45%

* Financial Sector Average

Performance Comparison

NASB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
NASB	Nasb Financial	46.55	12.16	35.38%
WNEB	Western New England Bancorp	13.60	2.45	21.97%
CHMG	Chemung Financial Corp	85.11	35.68	72.17%
FDBC	Fidelity D & D Bancorp	67.25	25.50	61.07%
ISBA	Isabella Bank Corporation	39.58	0.88	2.27%

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.

Date of analysis: Aug 06, 2026

Nasb Financial AI Stock Analysis