OTC · Banks - Regional

Northumberland Bancorp (NUBC) Stock

$29.50 +0.00% OTC: NUBC Financial Services

Northumberland Bancorp serves as the parent holding company for The Northumberland National Bank, delivering a comprehensive array of banking and financial services to both individual consumers and commercial enterprises. The institution offers various account types, including checking, money market, and savings accounts, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs).

Valuation

MetricValue
Price$29.50
Market Cap$38.70M
P/E Ratio21.53
P/B Ratio0.72
P/S Ratio1.87
EPS (TTM)$1.37
52-Week High$30.15
52-Week Low$20.50
Dividend Yield3.12%

Financials & Margins

MetricValue
ROE3.47%
ROA0.26%
ROCE2.26%
Gross Margin100.00%
Operating Margin9.09%
Net Margin8.53%
Debt/Equity0.57
Current Ratio0.04

Annual Financials (USD)

Metric20202021202220232024
Revenue$25.0M$24.0M$25.0M$20.0M$21.0M
Operating Profit$5.0M$5.0M$4.0M$5.0M$2.0M
Net Profit$4.0M$4.0M$3.0M$2.0M$2.0M
EPS$3.33$3.25$2.38$1.47$1.37
Op Margin22.1%21.9%14.7%27.7%9.1%

Balance Sheet (USD)

Metric20202021202220232024
Total Assets$613.0M$704.0M$692.0M$675.0M$666.0M
Total Liabilities$551.0M$642.0M$647.0M$626.0M$616.0M
Cash$27.0M$36.0M$17.0M$19.0M$24.0M
Borrowings$2.0M$11.0M$23.0M$30.0M$30.0M

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Cash Flow (USD)

Metric20202021202220232024
Operating Cash Flow$4.0M$4.0M$5.0M$4.0M$5.0M
Investing Cash Flow$-3.0M$1.0M$2.0M$20.0M$11.0M
Financing Cash Flow$69.0M$82.0M$-8.0M$-29.0M$-10.0M
Net Cash Flow$17.0M$8.0M$-18.0M$2.0M$5.0M
Free Cash Flow$1.0M$4.0M$5.0M$4.0M$5.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.69
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y
Return 3Y
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CFOKCommunity First Bancorporation $8.00 -1.84% 11.27 $44.12M 0.00%
CMUVCMUV Bancorp $24.72 +0.00% 11.61 $43.79M 1.94%
CSKLCatskill Hudson Bancorp, Inc. $40.15 +0.38% -182.50 $28.35M 0.00%
FCCTFirst Community Corporation $13.35 +0.00% 12.54 $25.62M 1.97%
MIFFMifflinburg Bancorp, Inc. $26.00 +0.00% 13.33 $48.32M 5.85%

About Northumberland Bancorp

Northumberland Bancorp serves as the parent holding company for The Northumberland National Bank, delivering a comprehensive array of banking and financial services to both individual consumers and commercial enterprises. The institution offers various account types, including checking, money market, and savings accounts, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). It also facilitates investment securities, manages deposit and trust services, and provides debit and credit cards. Regarding its lending portfolio, the company extends commercial mortgages, diverse business loans (such as short-term and working capital financing), residential investment and secondary market real estate loans, home equity loans, personal loans, and vehicle loans. Additional credit options encompass lines of credit, letters of credit, government lending initiatives, and agricultural financing. Beyond traditional banking, the firm provides insurance products, merchant services, convenient online and telephone banking solutions, and secure safe deposit boxes. Established in 1903 and headquartered in Northumberland, Pennsylvania, the company primarily focuses its operations within Northumberland, Snyder, and Union counties in the state.

Northumberland Bancorp is headquartered in US.

Northumberland Bancorp (NUBC) stock trades at $29.50 with a market capitalization of $38.70M. The stock is valued at a price-to-earnings (P/E) ratio of 21.53, price-to-book of 0.72, price-to-sales of 1.87. Over the past 52 weeks the stock has ranged between $20.50 and $30.15, and currently trades 2.2% below its 52-week high. It pays a dividend yielding 3.12%.

On profitability, Northumberland Bancorp generates a return on equity (ROE) of 3.47%, return on capital employed of 2.26%, an operating margin of 9.09%, a net profit margin of 8.53%.

Official website: www.norrybank.com

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