North Dallas Bank & Trust Co (NODB)
OTHER OTC:NODB
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North Dallas Bank & Co
(OTC:NODB)
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Rating:67Neutral
Price Target:
$73.00
▲(23.73% Upside)
Action:Reiterated
Date:04/08/26
The score is primarily supported by improving fundamentals in 2025 and a de-risked balance sheet (debt eliminated). This is tempered by persistently negative and volatile free cash flow, plus mixed/neutral technical signals. Valuation is reasonable on earnings, but the low dividend yield adds limited support.
Positive Factors
De-risked balance sheet (debt eliminated)
Elimination of total debt materially reduces financial leverage and interest burden, increasing resilience to macro shocks. A zero-debt position improves optionality for capital allocation (lending, investment, or buybacks) and lowers refinancing risk over the coming 2–6 months.
Negative Factors
Persistent negative free cash flow
Repeated FCF deficits indicate structural cash demands or capex/asset needs that operating cash alone hasn't solved. Persistent negative FCF constrains dividend capacity, share repurchases, and self-funded growth, forcing reliance on balance-sheet actions over time.
Read all positive and negative factors
Positive Factors
Negative Factors
De-risked balance sheet (debt eliminated)
Elimination of total debt materially reduces financial leverage and interest burden, increasing resilience to macro shocks. A zero-debt position improves optionality for capital allocation (lending, investment, or buybacks) and lowers refinancing risk over the coming 2–6 months.
Read all positive factors
North Dallas Bank & Co (NODB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$163.18M
Dividend Yield0.67%
Average Volume (3M)389.00
Price to Earnings (P/E)18.0
Beta (1Y)0.06
Revenue Growth6.19%
EPS Growth125.35%
CountryUS
Employees157
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.51
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 Cap1.43
Enterprise Value/Revenue10.87
Enterprise Value/Gross Profit21.26
Enterprise Value/Ebitda153.12
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 & Co (NODB) is a community bank based in North Dallas, Texas, focused on providing personalized banking services to individuals, businesses, and organizations. Established to serve the local community, NODB offers a range of fina...
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 | 21.51M | 90.20M | 84.45M | 68.78M | 54.18M | 42.80M |
| Gross Profit | 10.99M | 47.96M | 40.40M | 39.74M | 48.90M | 39.75M |
| EBITDA | 1.53M | 10.31M | 6.40M | 6.90M | 13.26M | 10.06M |
| Net Income | 1.31M | 8.61M | 3.46M | 3.78M | 9.05M | 7.11M |
Balance Sheet | ||||||
| Total Assets | 1.88B | 1.87B | 1.91B | 1.77B | 1.68B | 1.73B |
| Cash, Cash Equivalents and Short-Term Investments | 247.13M | 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 | 1.70B | 1.69B | 1.74B | 1.61B | 1.52B | 1.56B |
| Stockholders Equity | 173.74M | 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
Negative
59.00
Price Trends
65.52
Negative
66.48
Negative
62.55
Positive
Market Momentum
-0.54
Negative
37.14
Neutral
52.89
Neutral
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 59 is below the 20-day moving average (MA) of 63.57, below the 50-day MA of 65.52, and below the 200-day MA of 62.55, indicating a neutral trend. The MACD of -0.54 indicates Negative momentum. The RSI at 37.14 is Neutral, neither overbought nor oversold. The STOCH value of 52.89 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $174.15M | 9.08 | 12.22% | 3.01% | 4.70% | 27.81% | |
69 Neutral | $169.89M | 10.35 | 7.98% | 1.90% | -4.00% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $163.18M | 17.96 | 5.10% | 0.67% | 6.19% | 125.35% | |
66 Neutral | $190.83M | 10.35 | 9.76% | 1.16% | 0.91% | 22.40% | |
64 Neutral | $154.26M | 11.47 | 8.80% | 4.29% | 5.44% | 43.44% |
* Financial Sector Average
NODB
North Dallas Bank & Co
63.52
8.69
15.85%
CFBK
CF Bankshares
29.31
5.80
24.67%
LARK
Landmark Bancorp
28.56
2.44
9.32%
MNSB
MainStreet Bancshares
23.87
5.96
33.26%
RMBI
Richmond Mutual Bancorporation
14.69
1.41
10.61%
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.