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Northumberland Bancorp NUBC

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Price alert · NUBC

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29.50 0.00 0.00%

At close · Jul 30

29.50 Day range 29.50
20.50 52-week range 30.15
Open
29.50
Prev close
29.50
Mkt cap
38.70M
Vol
100
Avg vol
534
EPS
1.79
P/E
16.48
More statistics
Low
29.50
High
29.50

5D chart

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Interval
1m5m15m30m

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Financial health

Altman Z-Score

-0.76 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.

Valuation

P/E 19.7×
FY 2015: 15.3×FY 2016: 13.7×FY 2017: 22.3×FY 2018: 15.7×FY 2019: 14.1×FY 2020: 9.0×FY 2021: 12.1×FY 2022: 13.9×FY 2023: 15.0×FY 2024: 19.7×
FY 2015 5y median 13.9× FY 2024
P/S 1.7×
FY 2015: 1.8×FY 2016: 2.0×FY 2017: 2.2×FY 2018: 2.1×FY 2019: 2.0×FY 2020: 1.6×FY 2021: 2.2×FY 2022: 1.7×FY 2023: 1.4×FY 2024: 1.7×
FY 2015 5y median 1.7× FY 2024
P/B 0.7×
FY 2015: 0.7×FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 0.6×FY 2024: 0.7×
FY 2015 5y median 0.7× FY 2024
P/FCF 7.6×
FY 2015: 58.6×FY 2016: 27.7×FY 2017: 15.6×FY 2018: 8.8×FY 2019: 12.1×FY 2020: 32.6×FY 2021: 14.7×FY 2022: 8.9×FY 2023: 7.0×FY 2024: 7.6×
FY 2015 5y median 8.9× FY 2024
EV/EBITDA 9.8×
FY 2015: 7.8×FY 2016: 6.1×FY 2017: -30.5×FY 2018: -34.3×FY 2019: -46.2×FY 2020: -14.1×FY 2021: -11.1×FY 2022: -17.4×FY 2023: 8.1×FY 2024: 9.8×
FY 2015 5y median -11.1× FY 2024
EV/Sales 2.0×
FY 2015: 1.2×FY 2016: 1.3×FY 2017: 1.6×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 0.6×FY 2021: 1.1×FY 2022: 1.9×FY 2023: 2.0×FY 2024: 2.0×
FY 2015 5y median 1.9× FY 2024
FCF Yield 13.2%
FY 2015: 1.7%FY 2016: 3.6%FY 2017: 6.4%FY 2018: 11.4%FY 2019: 8.3%FY 2020: 3.1%FY 2021: 6.8%FY 2022: 11.3%FY 2023: 14.2%FY 2024: 13.2%
FY 2015 5y median 11.3% FY 2024

Profitability

Gross Margin 100.0%
FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.2%FY 2024: 100.0%
FY 2015 5y median 100.0% FY 2024
Operating Margin 9.1%
FY 2015: 13.2%FY 2016: 19.8%FY 2017: 16.8%FY 2018: 16.1%FY 2019: 16.9%FY 2020: 22.1%FY 2021: 21.9%FY 2022: 14.7%FY 2023: 27.7%FY 2024: 9.1%
FY 2015 5y median 21.9% FY 2024
Net Margin 8.5%
FY 2015: 11.7%FY 2016: 14.8%FY 2017: 9.7%FY 2018: 13.1%FY 2019: 14.2%FY 2020: 17.9%FY 2021: 17.9%FY 2022: 12.1%FY 2023: 9.6%FY 2024: 8.5%
FY 2015 5y median 12.1% FY 2024
ROE 3.4%
FY 2015: 4.7%FY 2016: 6.0%FY 2017: 4.0%FY 2018: 5.7%FY 2019: 6.1%FY 2020: 7.1%FY 2021: 6.9%FY 2022: 6.8%FY 2023: 3.9%FY 2024: 3.4%
FY 2015 5y median 6.8% FY 2024
ROIC 2.1%
FY 2015: 1.0%FY 2016: 1.3%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 1.2%FY 2020: 1.5%FY 2021: 1.5%FY 2022: 1.1%FY 2023: 1.4%FY 2024: 2.1%
FY 2015 5y median 1.5% FY 2024
ROA 0.3%
FY 2015: 0.5%FY 2016: 0.6%FY 2017: 0.4%FY 2018: 0.5%FY 2019: 0.6%FY 2020: 0.7%FY 2021: 0.6%FY 2022: 0.4%FY 2023: 0.3%FY 2024: 0.3%
FY 2015 5y median 0.4% FY 2024

Growth (YoY)

Revenue 4.5%
FY 2015: 21.9%FY 2016: 2.7%FY 2017: 4.8%FY 2018: 9.6%FY 2019: 8.8%FY 2020: 1.7%FY 2021: -3.5%FY 2022: 5.8%FY 2023: -21.5%FY 2024: 4.5%
FY 2015 FY 2024
Operating Income -65.8%
FY 2015: -48.7%FY 2016: 54.1%FY 2017: -10.9%FY 2018: 4.5%FY 2019: 14.4%FY 2020: 32.8%FY 2021: -4.4%FY 2022: -29.1%FY 2023: 48.5%FY 2024: -65.8%
FY 2015 FY 2024
EPS (diluted) -6.8%
FY 2015: -39.6%FY 2016: 30.1%FY 2017: -31.5%FY 2018: 49.3%FY 2019: 17.2%FY 2020: 28.6%FY 2021: -2.4%FY 2022: -26.8%FY 2023: -38.2%FY 2024: -6.8%
FY 2015 FY 2024
Free Cash Flow 13.4%
FY 2015: -88.2%FY 2016: 146.6%FY 2017: 98.2%FY 2018: 87.5%FY 2019: -24.1%FY 2020: -69.6%FY 2021: 187.8%FY 2022: 36.7%FY 2023: -15.9%FY 2024: 13.4%
FY 2015 FY 2024

Financial Health

Current Ratio 0.0×
FY 2015: 0.1×FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.0×
FY 2015 5y median 0.1× FY 2024
Quick Ratio 0.0×
FY 2015: 0.1×FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.0×
FY 2015 5y median 0.1× FY 2024
Debt / Equity 0.6×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.2×FY 2022: 0.5×FY 2023: 0.6×FY 2024: 0.6×
FY 2015 5y median 0.5× FY 2024
Net Debt / EBITDA 1.4×
FY 2015: -4.2×FY 2016: -3.5×FY 2017: 9.7×FY 2018: 8.0×FY 2019: 7.2×FY 2020: 24.0×FY 2021: 9.9×FY 2022: -2.1×FY 2023: 2.2×FY 2024: 1.4×
FY 2015 5y median 2.2× FY 2024
Interest Coverage 0.1×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 1.6×FY 2021: 2.0×FY 2022: 0.9×FY 2023: 0.6×FY 2024: 0.1×
FY 2015 5y median 0.9× FY 2024

Dividends

Dividend Yield 3.5%
FY 2015: 2.8%FY 2016: 2.3%FY 2017: 2.2%FY 2018: 2.1%FY 2019: 2.2%FY 2020: 2.8%FY 2021: 2.3%FY 2022: 2.8%FY 2023: 4.3%FY 2024: 3.5%
FY 2015 5y median 2.8% FY 2024
Payout Ratio 68.5%
FY 2015: 42.1%FY 2016: 31.5%FY 2017: 48.6%FY 2018: 33.1%FY 2019: 31.3%FY 2020: 25.5%FY 2021: 27.7%FY 2022: 39.5%FY 2023: 63.8%FY 2024: 68.5%
FY 2015 5y median 39.5% FY 2024

Annual · latest fiscal year ends 2024-12-31