National Capital Bank of Washington (NACB)
OTHER OTC:NACB
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National Capital Bank of Washington
(OTC:NACB)
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Rating:68Neutral
Price Target:
$72.00
▲(8.60% Upside)
Action:DowngradedDate:12/30/25
The score is driven primarily by improved profitability and materially stronger cash flow in 2024, tempered by a sharp revenue decline and volatility in operating profitability and leverage. Technical signals are neutral-to-slightly positive, while valuation (P/E ~12.26 with a ~1.23% yield) provides additional support.
Positive Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.
Negative Factors
Low Equity Ratio
A relatively low equity ratio could pose leverage risks if liabilities increase, potentially impacting financial stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.
Read all positive factors
National Capital Bank of Washington (NACB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$74.02M
Dividend Yield1.23%
Average Volume (3M)12.00
Price to Earnings (P/E)11.0
Beta (1Y)0.39
Revenue Growth19.25%
EPS Growth46.26%
CountryUS
Employees63
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.44
Shares Outstanding1,152,000
10 Day Avg. Volume38
30 Day Avg. Volume12
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)1.22
Price to Sales (P/S)1.86
P/FCF Ratio7.37
Enterprise Value/Market Cap0.12
Enterprise Value/Revenue0.27
Enterprise Value/Gross Profit0.34
Enterprise Value/Ebitda1.82
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
National Capital Bank of Washington Business Overview & Revenue Model
Company Description
National Capital Bancorp, Inc. operates as the bank holding for The National Capital Bank of Washington that provides various banking products and services to individuals and businesses in Washington. It offers savings and checking accounts. The c...
How the Company Makes Money
National Capital Bank of Washington generates revenue primarily through interest income from loans and mortgages offered to individuals and businesses. It also earns money from service charges on deposit accounts, transaction fees, and other banki...
National Capital Bank of Washington Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
70
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 33.13M | 38.99M | 32.82M | 25.77M | 24.93M | 23.88M |
| Gross Profit | 27.04M | 27.38M | 25.15M | 23.74M | 23.89M | 22.23M |
| EBITDA | 4.97M | 9.26M | -279.00K | 6.73M | 6.78M | 3.95M |
| Net Income | 7.40M | 6.38M | 4.36M | 4.59M | 4.65M | 2.65M |
Balance Sheet | ||||||
| Total Assets | 702.60M | 714.34M | 703.05M | 645.06M | 735.69M | 616.98M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 44.93M | 43.73M | 36.95M | 138.61M | 31.01M |
| Total Debt | 23.82M | 23.03M | 66.01M | 21.35M | 20.56M | 26.20M |
| Total Liabilities | 639.32M | 655.13M | 649.68M | 596.73M | 680.84M | 563.54M |
| Stockholders Equity | 63.28M | 59.21M | 53.37M | 48.33M | 54.85M | 53.45M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 9.84M | 3.97M | 7.12M | 5.51M | 1.93M |
| Operating Cash Flow | 0.00 | 10.15M | 4.21M | 7.41M | 5.88M | 5.05M |
| Investing Cash Flow | 0.00 | -12.58M | -50.36M | -23.95M | -16.66M | -80.29M |
| Financing Cash Flow | 0.00 | 3.62M | 52.93M | -85.11M | 118.38M | 85.81M |
National Capital Bank of Washington Technical Analysis
Negative
66.30
Price Trends
65.49
Negative
65.64
Negative
65.48
Negative
Market Momentum
-0.37
Positive
42.64
Neutral
33.39
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NACB, the sentiment is Negative. The current price of 66.3 is above the 20-day moving average (MA) of 64.78, above the 50-day MA of 65.49, and above the 200-day MA of 65.48, indicating a bearish trend. The MACD of -0.37 indicates Positive momentum. The RSI at 42.64 is Neutral, neither overbought nor oversold. The STOCH value of 33.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NACB.
National Capital Bank of Washington Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $101.32M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
68 Neutral | $74.02M | 10.96 | ― | 1.23% | 19.25% | 46.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $89.98M | 10.25 | 12.01% | 6.51% | 6.31% | -5.00% | |
65 Neutral | $87.58M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
46 Neutral | $95.73M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% | |
44 Neutral | $69.59M | -2.57 | -8.97% | ― | 2.54% | -174.74% |
* Financial Sector Average
NACB
National Capital Bank of Washington
64.25
-4.86
-7.04%
BOTJ
Bank Of The Jame Financial
22.30
8.64
63.21%
BYFC
Broadway Financial
7.48
1.41
23.23%
UBCP
United Bancorp
15.63
3.72
31.26%
FUSB
First US Bancshares
15.50
2.85
22.50%
FNWB
First Northwest Bancorp
10.13
-0.15
-1.43%
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.