NACB

National Capital Bancorp, Inc.

USD

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Price alert · NACB

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86.90 USD -0.10 -0.11%
As of Oct 30, 2026
86.00 Day range 86.90
58.24 52-week range 89.00
YTD
+29.70%
1 year
+34.58%
Open
86.00
Prev close
87.00
Mkt cap
100.14M
Vol
4.30K
Avg vol
895
EPS
6.12
P/E
14.20
More statistics
Low
86.00
High
86.90

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Financial health

Altman Z-Score

0.16 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 10.9×
FY 2016: 2.7×FY 2017: 8.1×FY 2018: 5.8×FY 2019: 6.1×FY 2020: 17.6×FY 2021: 12.1×FY 2022: 10.3×FY 2023: 11.4×FY 2024: 11.4×FY 2025: 10.9×
FY 2016 5y median 11.4× FY 2025
P/S 2.0×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 1.9×FY 2025: 2.0×
FY 2016 5y median 0.6× FY 2025
P/B 1.1×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 0.3× FY 2025
P/FCF 8.7×
FY 2016: 20.8×FY 2017: -32.9×FY 2018: 5.7×FY 2019: 5.8×FY 2020: 6.1×FY 2021: 2.6×FY 2022: 1.7×FY 2023: 3.1×FY 2024: 7.4×FY 2025: 8.7×
FY 2016 5y median 3.1× FY 2025
EV/EBITDA 1.0×
FY 2016: 0.6×FY 2017: 0.9×FY 2018: 6.4×FY 2019: 0.0×FY 2020: 1.7×FY 2021: -15.3×FY 2022: -0.6×FY 2023: 5.3×FY 2024: 5.5×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
EV/Sales 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 1.3×FY 2019: 0.9×FY 2020: 0.3×FY 2021: -4.2×FY 2022: -0.1×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
FCF Yield 11.5%
FY 2016: 4.8%FY 2017: -3.0%FY 2018: 17.7%FY 2019: 17.2%FY 2020: 16.5%FY 2021: 39.1%FY 2022: 60.1%FY 2023: 31.9%FY 2024: 13.6%FY 2025: 11.5%
FY 2016 5y median 31.9% FY 2025

Profitability

Gross Margin 69.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 93.1%FY 2021: 95.9%FY 2022: 92.1%FY 2023: 76.6%FY 2024: 70.2%FY 2025: 69.8%
FY 2016 5y median 76.6% FY 2025
Operating Margin 24.6%
FY 2016: 53.6%FY 2017: 28.6%FY 2018: 18.7%FY 2019: 15.5%FY 2020: 13.9%FY 2021: 24.3%FY 2022: 23.3%FY 2023: 17.6%FY 2024: 22.0%FY 2025: 24.6%
FY 2016 5y median 23.3% FY 2025
Net Margin 18.3%
FY 2016: 30.6%FY 2017: 11.8%FY 2018: 13.7%FY 2019: 11.4%FY 2020: 11.1%FY 2021: 18.6%FY 2022: 17.8%FY 2023: 13.3%FY 2024: 16.4%FY 2025: 18.3%
FY 2016 5y median 17.8% FY 2025
ROE 10.4%
FY 2016: 11.4%FY 2017: 4.5%FY 2018: 6.1%FY 2019: 5.2%FY 2020: 5.0%FY 2021: 8.5%FY 2022: 9.5%FY 2023: 8.2%FY 2024: 10.8%FY 2025: 10.4%
FY 2016 5y median 9.5% FY 2025
ROIC 0.9%
FY 2016: 2.4%FY 2017: 1.0%FY 2018: 1.2%FY 2019: 0.5%FY 2020: 0.4%FY 2021: 1.9%FY 2022: 2.2%FY 2023: 1.9%FY 2024: 7.4%FY 2025: 0.9%
FY 2016 5y median 1.9% FY 2025
ROA 0.9%
FY 2016: 1.1%FY 2017: 0.5%FY 2018: 0.6%FY 2019: 0.5%FY 2020: 0.4%FY 2021: 0.6%FY 2022: 0.7%FY 2023: 0.6%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue -1.4%
FY 2016: -29.3%FY 2017: 9.2%FY 2018: 15.9%FY 2019: 15.8%FY 2020: 6.4%FY 2021: 4.4%FY 2022: 3.4%FY 2023: 27.4%FY 2024: 18.8%FY 2025: -1.4%
FY 2016 FY 2025
Operating Income 9.9%
FY 2016: -26.4%FY 2017: -41.8%FY 2018: -24.2%FY 2019: -3.7%FY 2020: -4.7%FY 2021: 82.5%FY 2022: -1.1%FY 2023: -3.8%FY 2024: 48.8%FY 2025: 9.9%
FY 2016 FY 2025
EPS (diluted) 10.3%
FY 2016: -29.0%FY 2017: -58.0%FY 2018: 35.1%FY 2019: -3.1%FY 2020: -74.2%FY 2021: 75.8%FY 2022: -1.7%FY 2023: -5.0%FY 2024: 46.4%FY 2025: 10.3%
FY 2016 FY 2025
Free Cash Flow -9.7%
FY 2016: -79.5%FY 2017: -179.3%FY 2018: 664.5%FY 2019: -1.7%FY 2020: -28.0%FY 2021: 186.1%FY 2022: 29.2%FY 2023: -44.3%FY 2024: 148.0%FY 2025: -9.7%
FY 2016 FY 2025

Financial Health

Current Ratio 799×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 229×FY 2020: 782×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 799×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 799×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 229×FY 2020: 782×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 799×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 1.2×FY 2024: 0.4×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -6.7×
FY 2016: -1.0×FY 2017: -2.4×FY 2018: 2.6×FY 2019: 0.0×FY 2020: -1.2×FY 2021: -17.4×FY 2022: -2.3×FY 2023: 3.4×FY 2024: -2.4×FY 2025: -6.7×
FY 2016 5y median -2.4× FY 2025
Interest Coverage 1.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.3×FY 2020: 2.0×FY 2021: 5.9×FY 2022: 3.0×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 1.3%
FY 2016: 2.3%FY 2017: 2.7%FY 2018: 3.7%FY 2019: 4.0%FY 2020: 5.4%FY 2021: 4.5%FY 2022: 5.8%FY 2023: 5.6%FY 2024: 1.0%FY 2025: 1.3%
FY 2016 5y median 4.5% FY 2025
Payout Ratio 13.7%
FY 2016: 6.1%FY 2017: 22.0%FY 2018: 21.7%FY 2019: 24.6%FY 2020: 23.8%FY 2021: 13.6%FY 2022: 15.0%FY 2023: 15.8%FY 2024: 11.9%FY 2025: 13.7%
FY 2016 5y median 13.7% FY 2025

Annual · latest fiscal year ends 2025-12-31