North Dallas Bank & Co (NODB) AI Stock Analysis

• Market Cap: $177.26M
• Dividend Yield: 0.67%
• Average Volume (3M): 389.00
• Price to Earnings (P/E): 25.9
• Beta (1Y): <0.01
• Revenue Growth: 12.38%
• EPS Growth: 165.00%
• Country: US
• Employees: 157
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 2,569,000
• 10 Day Avg. Volume: 243
• 30 Day Avg. Volume: 389
• PEG Ratio: -3.78
• Price to Book (P/B): 0.68
• Price to Sales (P/S): 1.37
• P/FCF Ratio: -40.31
• Enterprise Value/Market Cap: -0.39
• Enterprise Value/Revenue: -3.25
• Enterprise Value/Gross Profit: -6.37
• Enterprise Value/Ebitda: -45.84
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: $67.00 ▲(13.56% Upside)
• Action: Reiterated Date: 10/17/25
• Date: Action: Reiterated 10/17/25

North Dallas Bank & Co's overall stock score is primarily impacted by its declining financial performance, particularly in revenue and cash flow. The technical analysis suggests a neutral to slightly bearish trend, while the valuation indicates the stock may be overvalued. The lack of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Moderate leverage

A debt-to-equity ratio of 0.59 indicates conservative leverage for a regional bank, supporting measured lending and growth without excessive financial risk. This balance preserves funding flexibility and lowers insolvency risk, a durable advantage during credit cycles.

Strong equity base

A strong equity ratio provides a persistent capital buffer that supports regulatory requirements, absorbs loan losses, and underpins confidence with depositors and counterparties. This structural strength aids long-term stability and strategic optionality.

Stable margin structure

Relatively stable EBIT/EBITDA margins imply the bank maintains cost discipline and core operating profitability despite revenue volatility. That stability supports recovery potential when revenues normalize and sustains internal cash generation over the medium term.

Negative Factors

Sharp revenue decline

A 35% year decline in revenue is a material structural headwind, shrinking scale and fee income. Prolonged revenue erosion reduces lending capacity, undermines cross-sell economics, and increases pressure on margins and capital generation over the coming quarters.

Weak cash flow generation

Negative operating and free cash flows constrain the bank's ability to internally fund loan growth, reinvest in operations, pay dividends, or build reserves. Persistent cash shortfalls force reliance on external funding and raise medium-term liquidity and funding-cost risks.

Eroding net profitability

A falling net profit margin reduces retained earnings and weakens return on equity, limiting capital accumulation. For a regional bank, declining profitability reduces resilience to credit shocks and narrows room for strategic investments over multiple quarters.

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 financial products, including personal and commercial loans, deposit accounts, mortgages, and treasury management services. The bank emphasizes customer service and aims to foster strong relationships within the communities it serves.

How the Company Makes Money

North Dallas Bank & Co generates revenue primarily through the interest earned on loans provided to customers, which include personal loans, business loans, and mortgages. This interest income is a key component of the bank's revenue model. Additionally, NODB earns fee income from various services, such as account maintenance fees, overdraft fees, and transaction fees related to its treasury management services. The bank may also engage in investment activities, earning returns on securities and other financial instruments. Strategic partnerships with local businesses and organizations further enhance NODB's ability to attract customers and generate revenue, as they often lead to increased deposits and loan demand.

North Dallas Bank & Co Financial Statement Overview

Summary

North Dallas Bank & Co faces significant challenges with declining revenue and profitability, coupled with weak cash flow performance. While the balance sheet remains relatively stable, the company needs to address its revenue growth and cash flow issues to improve its financial health.

Income Statement

North Dallas Bank & Co has experienced a significant decline in revenue growth, with a -35.33% decrease in the most recent year. The net profit margin has also decreased to 8.55% from 9.62% the previous year. While the EBIT and EBITDA margins are relatively stable, the overall decline in revenue and profitability is concerning.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.59, indicating a balanced approach to leveraging. The return on equity has decreased slightly to 2.02%, reflecting lower profitability. However, the equity ratio remains strong, suggesting a stable financial position.

Cash Flow

The cash flow situation is challenging, with negative operating and free cash flows. The free cash flow to net income ratio is positive, but the overall cash flow performance is weak, indicating potential liquidity issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	21.51M	84.45M	68.78M	54.18M	42.80M	44.78M
Gross Profit	10.99M	40.40M	39.74M	48.90M	39.75M	40.12M
EBITDA	1.53M	6.40M	6.90M	13.26M	10.06M	11.96M
Net Income	1.31M	3.46M	3.78M	9.05M	7.11M	8.58M
Balance Sheet
Total Assets	1.88B	1.91B	1.77B	1.68B	1.73B	1.48B
Cash, Cash Equivalents and Short-Term Investments	247.13M	257.54M	98.35M	87.79M	220.19M	293.87M
Total Debt	0.00	100.00M	118.15M	3.47M	3.81M	3.43M
Total Liabilities	1.70B	1.74B	1.61B	1.52B	1.56B	1.31B
Stockholders Equity	173.74M	171.16M	164.00M	157.27M	167.71M	169.72M
Cash Flow
Free Cash Flow	0.00	-2.87M	5.34M	-3.15M	-10.72M	9.29M
Operating Cash Flow	0.00	-929.00K	14.77M	13.86M	9.68M	11.11M
Investing Cash Flow	0.00	27.06M	-76.14M	-103.89M	-314.79M	-45.06M
Financing Cash Flow	0.00	133.07M	73.67M	-37.87M	246.15M	157.99M

North Dallas Bank & Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 59.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NODB, the sentiment is Positive. The current price of 59 is below the 20-day moving average (MA) of 69.30, below the 50-day MA of 65.10, and below the 200-day MA of 59.03, indicating a neutral trend. The MACD of 1.02 indicates Positive momentum. The RSI at 60.57 is Neutral, neither overbought nor oversold. The STOCH value of 64.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NODB.

North Dallas Bank & Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	75 Outperform	$169.35M	9.04	11.72%	3.01%	12.31%	39.46%
RMBI	69 Neutral	$144.31M	11.54	7.60%	4.29%	7.54%	25.25%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$195.50M	11.26	9.18%	1.16%	2.33%	22.43%
MNSB	62 Neutral	$171.14M	12.62	-2.07%	1.90%	1.92%	-174.59%
NODB	53 Neutral	$177.26M	25.94	3.90%	0.67%	12.38%	165.00%