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North Dallas Bank & Co (NODB) Stock Price & Analysis
NODB Stock Chart & Stats
- Day’s Range
- $66.10 - $66.49
- 52-Week Range
- $57.60 - $72.64
- Previous Close
- $66.26
- Volume
- N/A
- Average Volume (3M)
- 129
- Market Cap
- $170.21M
- Enterprise Value
- $173.21M
- Total Cash (Recent Filing)
- $225.96M
- Total Debt (Recent Filing)
- $0
- Price to Earnings (P/E)
- 16.8
- Beta
- 0.06
- Next Earnings
- Jan 15, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Oct 16, 2026
- Dividend Yield
- 0.61%
Bulls Say, Bears Say
Bulls Say
De-risked Balance Sheet (zero Debt)
Reducing total debt to zero materially lowers financial risk and improves capital flexibility. Over the next 2–6 months this provides durable resilience against funding shocks, enhances lending capacity or M&A optionality, and reduces interest burden, supporting steadier earnings potential.
2025 Profitability Rebound
A step-up in net margin and operating profitability indicates structural improvement in core banking operations. If sustained, higher margins translate to stronger earnings power and better internal capital generation, improving the bank's ability to absorb shocks and invest in growth over coming quarters.
Operating Cash Flow Turned Positive In 2025
Restoration of positive operating cash flow is a durable indicator that core business is generating liquidity. This reduces near-term external funding needs and supports reinvestment or balance-sheet repair, improving financial flexibility even if free cash flow remains under pressure.
Bears Say
Persistent Negative Free Cash Flow
Repeated free-cash-flow deficits and year-to-year volatility signal structural cash conversion issues. Over months this limits capacity to fund dividends, buybacks, or growth without external financing, and raises risk that operating gains may not translate into durable shareholder returns.
Below-peak Margins And Modest ROE
ROE and margins remain well under prior highs, indicating the bank is not converting capital into profits as efficiently. Persistently muted returns constrain long-term shareholder value creation and imply management must improve margins or reallocate capital to regain historical profitability.
Inconsistent Revenue Growth Trend
A negative near-term revenue-growth metric highlights unstable top-line performance across reporting periods. This inconsistency makes earnings less predictable and complicates planning for asset growth or expense leverage, undermining confidence in sustaining the 2025 rebound.
NODB FAQ
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North Dallas Bank & Co Stock Smart Score
Company Description
North Dallas Bank & Co
North Dallas Bank & Trust Co. operates as an independent community bank in Texas. It offers checking and savings accounts; certificate of deposits and individual retirement accounts; vehicle, personal, overdraft protection, home equity, home improvement, and construction and residential lot loans, as well as home equity line of credit; debit and credit cards; mortgage loans; and online and mobile banking services. The company also provides business lines of credit, equipment financing, commercial real estate, and interim construction loans, as well as healthcare financing and physician services; and treasury services, such as payables, receivables, information reporting, liquidity management, and fraud mitigation services. In addition, it offers investment management, trust, retirement, financial planning, and wealth management services. North Dallas Bank & Trust Co. was founded in 1961 and is headquartered in Dallas, Texas.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Larry A. Miller
- Employees
- 107
- Website
- www.ndbt.com
- Address
- Corner of Preston Road and LBJ, Dallas, TX, 75230, US
North Dallas Bank & Co (NODB) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 4 | 11 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 4 | 0 | 8 |
