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North Dallas Bank & Co
(OTC:NODB)
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Rating:69Neutral
Price Target:
$72.00
▲(7.82% 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 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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
North Dallas Bank & Co (NODB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$168.53M
Dividend Yield0.61%
Average Volume (3M)389.00
Price to Earnings (P/E)17.5
Beta (1Y)0.06
Revenue Growth-5.82%
EPS Growth87.85%
CountryUS
Employees107
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.25
Shares Outstanding2,569,000
10 Day Avg. Volume243
30 Day Avg. Volume389
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)0.83
Price to Sales (P/S)1.70
P/FCF Ratio-27.14
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
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 impro...
North Dallas Bank & Co Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
46
Neutral
| 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 | 10.06M |
| 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 | 0.00 | 0.00 | 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 | 0.00 | -5.64M | -2.87M | 5.34M | -3.15M | -10.72M |
| Operating Cash Flow | 0.00 | 9.99M | -929.00K | 14.77M | 13.86M | 9.68M |
| Investing Cash Flow | 0.00 | 27.93M | 27.06M | -76.14M | -103.89M | -314.79M |
| Financing Cash Flow | 0.00 | -52.28M | 133.07M | 73.67M | -37.87M | 246.15M |
North Dallas Bank & Co Technical Analysis
Positive
66.78
Price Trends
65.28
Positive
65.04
Positive
64.55
Positive
Market Momentum
0.28
Positive
58.21
Neutral
50.07
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NODB, the sentiment is Positive. The current price of 66.78 is above the 20-day moving average (MA) of 66.23, above the 50-day MA of 65.28, and above the 200-day MA of 64.55, indicating a bullish trend. The MACD of 0.28 indicates Positive momentum. The RSI at 58.21 is Neutral, neither overbought nor oversold. The STOCH value of 50.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NODB.
North Dallas Bank & Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $267.31M | 12.82 | 8.30% | 3.86% | 5.15% | 28.98% | |
73 Outperform | $193.14M | 9.45 | 12.49% | 2.60% | 3.33% | 22.98% | |
69 Neutral | $168.53M | 17.47 | 5.35% | 0.62% | -5.82% | 87.85% | |
68 Neutral | $223.85M | 11.89 | 10.09% | 1.05% | -0.39% | 4.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $179.66M | 12.39 | 8.00% | 1.71% | -6.41% | ― |
* Financial Sector Average
NODB
North Dallas Bank & Co
66.80
9.29
16.16%
CFBK
CF Bankshares
34.72
10.43
42.93%
LARK
Landmark Bancorp
31.65
7.09
28.87%
MNSB
MainStreet Bancshares
25.15
2.91
13.10%
RMBI
Richmond Mutual Bancorporation
15.90
1.72
12.11%
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.