NASDAQ · Insurance - Property & Casualty

NODK (NODK) Stock

$15.34 -1.73% NASDAQ: NODK Financial Services

Valuation

MetricValue
Price$15.34
Market Cap$314.19M
P/E Ratio-28.00
P/B Ratio1.19
P/S Ratio1.03
EPS (TTM)$-0.50
52-Week High$16.35
52-Week Low$12.22
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE-4.17%
ROA-1.98%
ROCE-5.00%
Gross Margin-4.21%
Operating Margin-4.21%
Net Margin-1.60%
Debt/Equity0.00
Current Ratio1.09

Annual Financials (USD)

Metric20212022202320242025
Revenue$324.0M$268.0M$304.0M$325.0M$285.0M
Operating Profit$11.0M$-53.0M$21.0M$10.0M$-12.0M
Net Profit$8.0M$-53.0M$-5.0M$-6.0M$-10.0M
EPS$0.39$-2.49$-0.26$0.24$-0.50
Op Margin3.5%-19.8%6.8%3.1%-4.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$652.0M$614.0M$655.0M$527.0M$506.0M
Total Liabilities$304.0M$361.0M$404.0M$282.0M$266.0M
Cash$71.0M$47.0M$41.0M$51.0M$52.0M
Borrowings$0$2.0M$2.0M$2.0M$0

Latest News

AM Best Affirms Credit Ratings of Members of Nodak Insurance Group and NI Holdings, Inc. Business Wire · Jun 16, 2026 NI Holdings, Inc. Reports Results for First Quarter Ended March 31, 2026 GlobeNewswire · May 8, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$29.0M$-30.0M$26.0M$39.0M$2.0M
Investing Cash Flow$-49.0M$24.0M$-10.0M$-6.0M$-2.0M
Financing Cash Flow$-11.0M$-15.0M$-7.0M$-4.0M$-3.0M
Net Cash Flow$-30.0M$-24.0M$10.0M$10.0M$-3.0M
Free Cash Flow$28.0M$-32.0M$25.0M$38.0M$2.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield-9.60%
Quick Ratio10.95
Interest Coverage—
Return 1Y18.23%
Return 3Y12.65%
Return 5Y-19.17%

Ownership

Insiders Held68.22%
Institutions Held24.71%
Institutions Float Held77.75%
Institutional HolderSharesReport Date
M3F, Inc.1,652,0202026-03-31
Newtyn Management, Llc670,0002026-03-31
Blackrock Inc.528,8022026-03-31
Dimensional Fund Advisors LP341,1162026-03-31
Vanguard Capital Management LLC294,7982026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBAN $22.21 +2.16% 12.45 $469.96M 2.37%
CIA $4.65 +0.22% 15.99 $235.07M 0.00%
FINW $13.75 -0.15% 11.97 $188.46M 0.00%
FNLC $35.44 +1.58% 9.50 $399.61M 5.24%
ISBA $39.77 -2.55% 16.23 $291.62M 2.71%

About NODK

NODK is led by CEO Cindy L. Launer, employs 202 people, headquartered in US, publicly traded since 2017.

NODK stock trades at $15.34 with a market capitalization of $314.19M. The stock is valued at a price-to-earnings (P/E) ratio of -28.00, price-to-book of 1.19, price-to-sales of 1.03. Over the past 52 weeks the stock has ranged between $12.22 and $16.35, and currently trades 6.2% below its 52-week high.

On profitability, NODK generates a return on equity (ROE) of -4.17%, return on capital employed of -5.00%, an operating margin of -4.21%, a net profit margin of -1.60%.

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