North Dallas Bank & Co (NODB) AI Stock Analysis

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North Dallas Bank & Co

(Other OTC:NODB)

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Rating:69Neutral

Price Target:$72.00▲(8.67% Upside)

Action:reiterated

Date:08/04/26

The score is driven primarily by improving fundamentals—especially the de-risked balance sheet and 2025 profitability rebound—partly offset by weak and volatile free cash flow. Technicals are supportive with a mild uptrend and positive momentum, while valuation appears fair but not compelling given the low dividend yield.

Positive Factors

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.

Negative Factors

Persistent negative free cash flowRepeated 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.

North Dallas Bank & Co (NODB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $171.10M
Dividend Yield: 0.61%
Average Volume (3M): 631
Price to Earnings (P/E): 16.8
Beta (1Y): 0.06
Revenue Growth: -7.78%
EPS Growth: 48.86%
Country: US
Employees: 107
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

North Dallas Bank & Co Business Overview & Revenue Model

Company Description

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 improvem...

North Dallas Bank & Co Financial Statement Overview

Summary

Strong 2025 rebound in revenue and profitability and a notably strengthened balance sheet with debt reduced to zero. However, cash-flow quality is a key weakness: free cash flow remains negative and has been volatile across years, and margins/ROE are still below prior peak periods.

Income Statement

74Positive

Balance Sheet

82Very Positive

Cash Flow

46Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	46.23M	90.20M	84.45M	68.78M	54.18M	42.80M
Gross Profit	26.46M	47.96M	40.40M	39.74M	48.90M	39.75M
EBITDA	6.97M	12.70M	6.40M	6.90M	13.26M	10.25M
Net Income	5.76M	8.61M	3.46M	3.78M	9.05M	7.11M
Balance Sheet
Total Assets	1.81B	1.87B	1.91B	1.77B	1.68B	1.73B
Cash, Cash Equivalents and Short-Term Investments	225.96M	243.18M	257.54M	98.35M	87.79M	220.19M
Total Debt	0	0	100.00M	118.15M	3.47M	3.81M
Total Liabilities	1.62B	1.69B	1.74B	1.61B	1.52B	1.56B
Stockholders Equity	187.78M	183.48M	171.16M	164.00M	157.27M	167.71M
Cash Flow
Free Cash Flow	0	-5.64M	-2.87M	5.34M	-3.15M	-10.72M
Operating Cash Flow	0	9.99M	-929.00K	14.77M	13.86M	9.68M
Investing Cash Flow	0	27.93M	27.06M	-76.14M	-103.89M	-314.79M
Financing Cash Flow	0	-52.28M	133.07M	73.67M	-37.87M	246.15M

North Dallas Bank & Co Technical Analysis

Technical Analysis SentimentNegative

Last Price66.25

Price Trends

50DMA66.81Negative

100DMA65.82Positive

200DMA66.05Positive

Market Momentum

MACD-0.08Positive

RSI35.90Neutral

STOCH23.00Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NODB, the sentiment is Negative. The current price of 66.25 is below the 20-day moving average (MA) of 66.90, below the 50-day MA of 66.81, and above the 200-day MA of 66.05, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 35.90 is Neutral, neither overbought nor oversold. The STOCH value of 23.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NODB.

North Dallas Bank & Co Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

NODB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RMBI	74Outperform	$265.80M	16.18	3.89%	3.78%	5.15%	28.98%
LARK	70Outperform	$195.64M	9.43	12.73%	2.59%	1.42%	18.96%
NODB	69Neutral	$170.21M	16.82	5.48%	0.61%	-7.78%	48.86%
CFBK	68Neutral	$221.71M	9.81	11.74%	1.05%	-0.92%	39.31%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNSB	67Neutral	$151.57M	10.98	7.61%	1.88%	-5.53%	―

* Financial Sector Average

Performance Comparison

NODB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
NODB	North Dallas Bank & Trust Co	66.25	8.24	14.20%
CFBK	Cf Bankshares Inc	34.15	11.07	48.00%
LARK	Landmark	32.07	8.50	36.06%
MNSB	Mainstreet Bancshares	21.30	2.80	15.16%
RMBI	Richmond Mutual Bancorporation	15.86	3.13	24.59%

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 04, 2026

North Dallas Bank & Co AI Stock Analysis

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