Nasb Financial Inc. (NASB)
OTHER OTC:NASB
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Nasb Financial
(OTC:NASB)
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Rating:68Neutral
Price Target:
$41.00
â–²(10.63% Upside)
Action:ReiteratedDate:01/16/26
The score is driven primarily by moderate financial fundamentals (strong margins and a FY2025 revenue rebound, but with leverage and cash-flow volatility) alongside supportive technical momentum and an attractive valuation (low P/E and solid dividend yield).
Positive Factors
Profitability
High profit margins indicate strong cost management and efficient operations, providing a cushion against market fluctuations and supporting long-term growth.
Negative Factors
Revenue Growth Challenges
Negative revenue growth indicates potential difficulties in expanding market share or product adoption, which could hinder long-term business expansion and competitiveness.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
High profit margins indicate strong cost management and efficient operations, providing a cushion against market fluctuations and supporting long-term growth.
Read all positive factors
Nasb Financial (NASB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$277.84M
Dividend Yield4.04%
Average Volume (3M)601.00
Price to Earnings (P/E)8.2
Beta (1Y)-0.10
Revenue Growth-8.19%
EPS Growth3.77%
CountryUS
Employees463
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.15
Shares Outstanding7,226,054
10 Day Avg. Volume434
30 Day Avg. Volume601
Financial Highlights & Ratios
PEG Ratio2.41
Price to Book (P/B)0.59
Price to Sales (P/S)1.42
P/FCF Ratio10.61
Enterprise Value/Market Cap2.29
Enterprise Value/Revenue4.09
Enterprise Value/Gross Profit7.25
Enterprise Value/Ebitda17.44
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
Nasb Financial Business Overview & Revenue Model
Company Description
NASB Financial, Inc. operates as a unitary thrift holding company for North American Savings Bank, F.S.B. that provides various banking products and services in the United States. The company offers checking, savings, money market, and certificate...
How the Company Makes Money
Nasb Financial generates revenue primarily through interest income from loans, including mortgage and personal loans, as well as fees associated with banking services. The company earns money from the interest spread between the rates it pays on d...
Nasb Financial Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
55
Neutral
| Breakdown | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 178.73M | 85.58M | 149.39M | 114.42M | 201.89M |
| Gross Profit | 88.49M | 85.58M | 91.68M | 99.53M | 186.33M |
| EBITDA | 39.06M | 36.24M | 37.98M | 42.13M | 95.69M |
| Net Income | 28.72M | 28.26M | 21.65M | 32.09M | 73.71M |
Balance Sheet | |||||
| Total Assets | 2.93B | 2.86B | 2.81B | 2.64B | 2.36B |
| Cash, Cash Equivalents and Short-Term Investments | 712.56M | 315.18M | 642.88M | 415.79M | 258.88M |
| Total Debt | 644.03M | 482.53M | 604.98M | 724.22M | 569.33M |
| Total Liabilities | 2.50B | 2.45B | 2.43B | 2.27B | 1.97B |
| Stockholders Equity | 430.94M | 413.20M | 386.11M | 378.88M | 393.35M |
Cash Flow | |||||
| Free Cash Flow | 23.83M | 19.44M | 144.96M | 453.11M | -8.40M |
| Operating Cash Flow | 25.69M | 21.26M | 146.29M | 457.51M | -2.44M |
| Investing Cash Flow | 4.86M | -118.41M | -117.27M | -653.61M | 267.13M |
| Financing Cash Flow | 44.20M | 7.13M | 163.99M | 292.70M | -237.44M |
Nasb Financial Technical Analysis
Neutral
37.06
Price Trends
39.11
Negative
37.72
Positive
35.81
Positive
Market Momentum
-0.19
Positive
40.30
Neutral
20.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NASB, the sentiment is Neutral. The current price of 37.06 is below the 20-day moving average (MA) of 39.48, below the 50-day MA of 39.11, and above the 200-day MA of 35.81, indicating a neutral trend. The MACD of -0.19 indicates Positive momentum. The RSI at 40.30 is Neutral, neither overbought nor oversold. The STOCH value of 20.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for NASB.
Nasb Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $263.25M | 8.93 | 12.56% | 3.61% | 17.97% | 68.34% | |
68 Neutral | $277.84M | 8.16 | 6.79% | 4.04% | -8.19% | 3.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $278.99M | 12.15 | 6.31% | 2.18% | 7.37% | 27.35% | |
58 Neutral | $285.25M | 8.67 | 6.27% | 2.40% | -6.25% | -38.79% | |
57 Neutral | $358.44M | 19.51 | 8.45% | 2.13% | 7.29% | 33.75% |
* Financial Sector Average
NASB
Nasb Financial
38.50
5.72
17.44%
WNEB
Western New England Bancorp
13.81
5.47
65.57%
CHMG
Chemung Financial
59.30
17.86
43.11%
FDBC
Fidelity D & D Bancorp
44.00
6.70
17.97%
ISBA
Isabella Bank
49.37
25.32
105.31%
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.