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Nasb Financial
(OTC:NASB)
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Rating:69Neutral
Price Target:
$51.00
â–²(14.86% 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
Sustained profitability
Healthy 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 burden
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained profitability
Healthy 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.
Read all positive factors
Nasb Financial (NASB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$329.32M
Dividend Yield3.05%
Average Volume (3M)1.34K
Price to Earnings (P/E)9.2
Beta (1Y)-0.11
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. Volume2,119
30 Day Avg. Volume1,338
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
43.95
Positive
41.95
Positive
39.76
Positive
Market Momentum
0.48
Positive
55.10
Neutral
82.00
Negative
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 below the 20-day moving average (MA) of 45.72, above the 50-day MA of 43.95, and above the 200-day MA of 39.76, indicating a bullish trend. The MACD of 0.48 indicates Positive momentum. The RSI at 55.10 is Neutral, neither overbought nor oversold. The STOCH value of 82.00 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $323.77M | 10.39 | 12.67% | 3.14% | 8.67% | 27.93% | |
76 Outperform | $395.36M | 11.78 | 12.98% | 1.69% | 18.42% | 190.13% | |
69 Neutral | $329.32M | 9.16 | 8.29% | 3.05% | 2.84% | 36.45% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $293.33M | 13.93 | 8.48% | 2.96% | 11.11% | 24.17% | |
58 Neutral | $280.04M | 16.63 | 6.78% | 2.00% | 6.09% | 41.66% |
* Financial Sector Average
NASB
Nasb Financial
45.83
11.85
34.88%
WNEB
Western New England Bancorp
13.83
2.07
17.62%
CHMG
Chemung Financial
81.34
29.93
58.22%
FDBC
Fidelity D & D Bancorp
55.07
12.81
30.30%
ISBA
Isabella Bank
38.03
3.68
10.73%
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.