National Capital Bank of Washington (NACB) AI Stock Analysis

• Market Cap: $76.61M
• Dividend Yield: 1.03%
• Average Volume (3M): 57.00
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.38
• Revenue Growth: 19.25%
• EPS Growth: 46.26%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 1,152,000
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 57
• PEG Ratio: 0.26
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

NACB's overall stock score reflects its robust financial performance driven by consistent revenue growth, strong profit margins, and impressive cash flow improvements. The technical analysis indicates a neutral to slight bearish trend, underpinned by reasonable valuation metrics with a solid P/E ratio and dividend yield. The absence of debt further strengthens its financial position, although the low equity ratio presents a potential risk if liabilities increase. With no significant recent earnings call insights or corporate events, the primary focus remains on its strong financial fundamentals and balanced valuation.

National Capital Bank of Washington Business Overview & Revenue Model

Company Description

National Capital Bank of Washington (NACB) is a community bank based in Washington, D.C. Established in 1889, it provides a range of financial services to individuals, businesses, and organizations within the region. The bank offers traditional banking products such as checking and savings accounts, personal and business loans, mortgages, and online banking services.

How the Company Makes Money

National Capital Bank of Washington generates revenue primarily through interest income from loans and mortgages offered to individuals and businesses. It also earns money from service charges on deposit accounts, transaction fees, and other banking services. Additionally, NACB may invest in various securities to generate investment income. The bank's earnings are further supported by partnerships with local businesses and community organizations, enhancing its service offerings and customer base.

National Capital Bank of Washington Financial Statement Overview

Summary

National Capital Bank of Washington showcases strong financial health with consistent revenue growth, robust profit margins, and significant improvements in cash flow. The absence of debt in the latest year strengthens the balance sheet, although a relatively low equity ratio suggests potential leverage risk if liabilities increase. The bank's financial trajectory is positive, with strong operational efficiency and cash generation capabilities.

Income Statement

The income statement shows a steady growth trajectory with revenue increasing from $24.9 million in 2023 to $27.4 million in 2024, a growth rate of approximately 9.8%. The gross profit margin and net profit margin remain strong at 100% and 23.3% respectively in 2024. EBIT margin also improved to 33.3% indicating efficient operational performance. However, the absence of EBITDA data limits a comprehensive analysis.

Balance Sheet

The balance sheet reflects a robust financial position with no total debt recorded in 2024, improving the debt-to-equity ratio to zero. Stockholders' equity increased to $59.2 million, contributing to an equity ratio of 8.3%. Return on equity remained impressive at 10.8%, though slightly constrained by the relatively low equity ratio.

Cash Flow

Cash flow analysis indicates a significant increase in free cash flow from $3.97 million in 2023 to $9.84 million in 2024, an impressive growth of 148%. The operating cash flow to net income ratio of 1.59 suggests healthy cash conversion. However, the absence of free cash flow to net income ratio limits the depth of analysis.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
31.56M	27.38M	24.94M	25.77M	24.93M	23.88M
	Gross Profit
34.58M	27.38M	25.15M	25.77M	24.93M	23.88M
	EBIT
11.10M	9.12M	7.46M	6.23M	6.29M	3.55M
	EBITDA
-2.39M	0.00	-279.00K	0.00	0.00	0.00
	Net Income Common Stockholders
4.91M	6.38M	4.36M	4.59M	4.65M	2.65M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	44.93M	43.73M	36.95M	138.61M	31.01M
	Total Assets
0.00	714.34M	703.05M	645.06M	735.69M	616.98M
	Total Debt
0.00	0.00	13.73M	21.35M	20.56M	26.20M
	Net Debt
0.00	-44.93M	-30.00M	-15.60M	-118.05M	-4.81M
	Total Liabilities
0.00	655.13M	649.68M	596.73M	680.84M	563.54M
	Stockholders Equity
31.59M	59.21M	53.37M	48.33M	54.85M	53.45M
Cash Flow		Free Cash Flow
0.00	9.84M	3.97M	7.12M	5.51M	1.93M
	Operating Cash Flow
0.00	10.15M	4.21M	7.41M	5.88M	5.05M
	Investing Cash Flow
0.00	-12.58M	-50.36M	-23.95M	-16.66M	-80.29M
	Financing Cash Flow
0.00	3.62M	52.93M	-85.11M	118.38M	85.81M

National Capital Bank of Washington Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 68.38
• 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 NACB, the sentiment is Neutral. The current price of 68.38 is below the 20-day moving average (MA) of 68.62, above the 50-day MA of 67.10, and above the 200-day MA of 57.40, indicating a neutral trend. The MACD of 0.54 indicates Positive momentum. The RSI at 50.94 is Neutral, neither overbought nor oversold. The STOCH value of 67.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for NACB.

National Capital Bank of Washington Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NACB	78 Outperform	$76.61M	11.99	11.34%	1.03%	19.25%	46.26%
AUBN	70 Neutral	$69.66M	10.89	8.26%	5.42%	34.44%	361.67%
LSBK	69 Neutral	$81.01M	16.30	5.60%	4.98%	4.44%	3.99%
FUSB	66 Neutral	$72.19M	9.40	8.64%	1.87%	9.82%	-2.46%
UBCP	65 Neutral	$79.08M	10.40	11.23%	5.40%	7.53%	-19.74%
Sector *	62 Neutral	$11.85B	9.13	8.11%	79.54%	12.80%	-5.24%
IROQ	55 Neutral	$77.73M	24.97	4.00%	1.70%	19.70%	53.15%