NEFB

Neffs Bancorp, Inc.

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Price alert · NEFB

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450.00 USD +48.00 +11.94%
As of Oct 30, 2026
402.00 Day range 405.00
370.00 52-week range 450.00
YTD
+13.07%
1 year
+13.92%
Open
405.00
Prev close
402.00
Mkt cap
65.76M
Vol
4
Avg vol
116
EPS
18.88
P/E
23.83
More statistics
Low
402.00
High
405.00

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Financial health

Altman Z-Score

-0.45 Distress zone

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

Piotroski F-Score

6 / 9 Average

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

Valuation

P/E 21.1×
FY 2016: 10.6×FY 2017: 13.9×FY 2018: 13.0×FY 2019: 15.5×FY 2020: 19.9×FY 2021: 20.2×FY 2022: 12.6×FY 2023: 14.3×FY 2024: 13.9×FY 2025: 21.1×
FY 2016 5y median 14.3× FY 2025
P/S 3.1×
FY 2016: 3.7×FY 2017: 4.2×FY 2018: 4.2×FY 2019: 4.9×FY 2020: 5.2×FY 2021: 5.9×FY 2022: 3.8×FY 2023: 2.5×FY 2024: 3.0×FY 2025: 3.1×
FY 2016 5y median 3.1× FY 2025
P/B 0.8×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 44.9×
FY 2016: 10.3×FY 2017: 12.3×FY 2018: 13.1×FY 2019: 16.3×FY 2020: 16.2×FY 2021: 14.9×FY 2022: 11.5×FY 2023: 9.8×FY 2024: 11.1×FY 2025: 44.9×
FY 2016 5y median 11.5× FY 2025
EV/EBITDA 28.3×
FY 2016: 7.9×FY 2017: 10.6×FY 2018: 11.9×FY 2019: 14.2×FY 2020: 15.5×FY 2021: 11.9×FY 2022: 13.4×FY 2023: 13.5×FY 2024: 0.0×FY 2025: 28.3×
FY 2016 5y median 13.4× FY 2025
EV/Sales 4.7×
FY 2016: 3.7×FY 2017: 4.6×FY 2018: 4.6×FY 2019: 5.4×FY 2020: 4.9×FY 2021: 4.2×FY 2022: 5.0×FY 2023: 2.8×FY 2024: 4.5×FY 2025: 4.7×
FY 2016 5y median 4.5× FY 2025
FCF Yield 2.2%
FY 2016: 9.7%FY 2017: 8.1%FY 2018: 7.7%FY 2019: 6.1%FY 2020: 6.2%FY 2021: 6.7%FY 2022: 8.7%FY 2023: 10.2%FY 2024: 9.0%FY 2025: 2.2%
FY 2016 5y median 8.7% FY 2025

Profitability

Gross Margin 60.1%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 76.8%FY 2020: 77.9%FY 2021: 84.2%FY 2022: 87.0%FY 2023: 66.5%FY 2024: 100.0%FY 2025: 60.1%
FY 2016 5y median 84.2% FY 2025
Operating Margin 14.7%
FY 2016: 45.6%FY 2017: 41.5%FY 2018: 41.4%FY 2019: 36.6%FY 2020: 29.3%FY 2021: 33.2%FY 2022: 34.7%FY 2023: 18.7%FY 2024: 22.5%FY 2025: 14.7%
FY 2016 5y median 22.5% FY 2025
Net Margin 14.8%
FY 2016: 34.8%FY 2017: 30.5%FY 2018: 32.5%FY 2019: 32.1%FY 2020: 26.7%FY 2021: 29.8%FY 2022: 30.8%FY 2023: 17.8%FY 2024: 22.0%FY 2025: 14.8%
FY 2016 5y median 22.0% FY 2025
ROE 3.9%
FY 2016: 7.5%FY 2017: 6.1%FY 2018: 6.8%FY 2019: 6.7%FY 2020: 4.9%FY 2021: 5.4%FY 2022: 6.7%FY 2023: 4.2%FY 2024: 3.3%FY 2025: 3.9%
FY 2016 5y median 4.2% FY 2025
ROIC 2.5%
FY 2016: 1.6%FY 2017: 1.3%FY 2018: 1.6%FY 2019: 5.8%FY 2020: 4.1%FY 2021: 1.1%FY 2022: 1.4%FY 2023: 3.5%FY 2024: 2.6%FY 2025: 2.5%
FY 2016 5y median 2.5% FY 2025
ROA 0.6%
FY 2016: 1.3%FY 2017: 1.1%FY 2018: 1.2%FY 2019: 1.3%FY 2020: 0.9%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 0.6%FY 2024: 0.5%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 85.8%
FY 2016: 1.4%FY 2017: -2.4%FY 2018: 8.3%FY 2019: 7.3%FY 2020: -9.5%FY 2021: 0.9%FY 2022: 8.3%FY 2023: 11.4%FY 2024: -37.6%FY 2025: 85.8%
FY 2016 FY 2025
Operating Income 21.4%
FY 2016: 3.8%FY 2017: -11.2%FY 2018: 7.9%FY 2019: -5.1%FY 2020: -27.5%FY 2021: 14.4%FY 2022: 13.2%FY 2023: -39.9%FY 2024: -25.0%FY 2025: 21.4%
FY 2016 FY 2025
EPS (diluted) 25.0%
FY 2016: 5.5%FY 2017: -14.5%FY 2018: 15.4%FY 2019: 5.3%FY 2020: -24.8%FY 2021: 12.6%FY 2022: 13.5%FY 2023: -35.3%FY 2024: -18.2%FY 2025: 25.0%
FY 2016 FY 2025
Free Cash Flow -52.9%
FY 2016: -2.4%FY 2017: -5.8%FY 2018: 1.8%FY 2019: 0.4%FY 2020: -3.2%FY 2021: 24.2%FY 2022: -9.2%FY 2023: -15.2%FY 2024: -33.7%FY 2025: -52.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.5×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 9.9×
FY 2016: 0.0×FY 2017: 0.8×FY 2018: 1.0×FY 2019: 1.3×FY 2020: -1.1×FY 2021: -4.8×FY 2022: 3.1×FY 2023: 1.7×FY 2024: 0.0×FY 2025: 9.9×
FY 2016 5y median 1.7× FY 2025
Interest Coverage 0.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.6×FY 2020: 1.3×FY 2021: 2.1×FY 2022: 2.7×FY 2023: 0.6×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 2.2%
FY 2016: 2.6%FY 2017: 2.4%FY 2018: 2.2%FY 2019: 1.8%FY 2020: 1.9%FY 2021: 1.7%FY 2022: 2.4%FY 2023: 3.6%FY 2024: 4.1%FY 2025: 2.2%
FY 2016 5y median 2.4% FY 2025
Payout Ratio 44.9%
FY 2016: 27.1%FY 2017: 32.7%FY 2018: 28.5%FY 2019: 27.7%FY 2020: 36.7%FY 2021: 33.0%FY 2022: 29.6%FY 2023: 51.2%FY 2024: 55.8%FY 2025: 44.9%
FY 2016 5y median 44.9% FY 2025

Annual · latest fiscal year ends 2025-12-31