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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.04
NASB's Cash to Debt is ranked lower than
53% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. NASB: 0.04 )
NASB' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.04

Equity to Asset 0.17
NASB's Equity to Asset is ranked higher than
94% of the 1732 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. NASB: 0.17 )
NASB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.17
Current: 0.17

0.07
0.17
Interest Coverage 5.70
NASB's Interest Coverage is ranked higher than
93% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. NASB: 5.70 )
NASB' s 10-Year Interest Coverage Range
Min: 0.25   Max: 5.7
Current: 5.7

0.25
5.7
F-Score: 4
Z-Score: 0.54
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 35.05
NASB's Operating margin (%) is ranked higher than
83% of the 1755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.45 vs. NASB: 35.05 )
NASB' s 10-Year Operating margin (%) Range
Min: -34.51   Max: 59.73
Current: 35.05

-34.51
59.73
Net-margin (%) 22.36
NASB's Net-margin (%) is ranked higher than
77% of the 1762 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.29 vs. NASB: 22.36 )
NASB' s 10-Year Net-margin (%) Range
Min: -21.23   Max: 38.11
Current: 22.36

-21.23
38.11
ROE (%) 9.38
NASB's ROE (%) is ranked higher than
82% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. NASB: 9.38 )
NASB' s 10-Year ROE (%) Range
Min: -10.82   Max: 19.48
Current: 9.38

-10.82
19.48
ROA (%) 1.60
NASB's ROA (%) is ranked higher than
94% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. NASB: 1.60 )
NASB' s 10-Year ROA (%) Range
Min: -1.3   Max: 2.41
Current: 1.6

-1.3
2.41
ROC (Joel Greenblatt) (%) 262.17
NASB's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 1726 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 68.75 vs. NASB: 262.17 )
NASB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -183.26   Max: 383.01
Current: 262.17

-183.26
383.01
Revenue Growth (%) 2.70
NASB's Revenue Growth (%) is ranked higher than
80% of the 1536 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. NASB: 2.70 )
NASB' s 10-Year Revenue Growth (%) Range
Min: -28.1   Max: 16.8
Current: 2.7

-28.1
16.8
EBITDA Growth (%) 70.50
NASB's EBITDA Growth (%) is ranked higher than
98% of the 1385 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. NASB: 70.50 )
NASB' s 10-Year EBITDA Growth (%) Range
Min: -27.3   Max: 292
Current: 70.5

-27.3
292
EPS Growth (%) 63.70
NASB's EPS Growth (%) is ranked higher than
96% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. NASB: 63.70 )
NASB' s 10-Year EPS Growth (%) Range
Min: -27.2   Max: 63.7
Current: 63.7

-27.2
63.7
» NASB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

NASB Guru Trades in Q3 2013

Jim Simons 13,500 sh (+25%)
» More
Q4 2013

NASB Guru Trades in Q4 2013

Jim Simons 13,800 sh (+2.22%)
» More
Q1 2014

NASB Guru Trades in Q1 2014

Jim Simons 12,900 sh (-6.52%)
» More
Q2 2014

NASB Guru Trades in Q2 2014

Jim Simons 8,900 sh (-31.01%)
» More
» Details

Insider Trades

Latest Guru Trades with NASB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 9.50
NASB's P/E(ttm) is ranked higher than
88% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. NASB: 9.50 )
NASB' s 10-Year P/E(ttm) Range
Min: 5.15   Max: 70.61
Current: 9.5

5.15
70.61
P/B 0.89
NASB's P/B is ranked higher than
81% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. NASB: 0.89 )
NASB' s 10-Year P/B Range
Min: 0.48   Max: 2.88
Current: 0.89

0.48
2.88
P/S 2.13
NASB's P/S is ranked higher than
82% of the 1711 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. NASB: 2.13 )
NASB' s 10-Year P/S Range
Min: 0.94   Max: 10.84
Current: 2.13

0.94
10.84
PFCF 4.09
NASB's PFCF is ranked higher than
88% of the 982 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. NASB: 4.09 )
NASB' s 10-Year PFCF Range
Min: 0.74   Max: 102.18
Current: 4.09

0.74
102.18
EV-to-EBIT 13.05
NASB's EV-to-EBIT is ranked higher than
81% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.25 vs. NASB: 13.05 )
NASB' s 10-Year EV-to-EBIT Range
Min: 5.1   Max: 127.3
Current: 13.05

5.1
127.3
Shiller P/E 15.48
NASB's Shiller P/E is ranked higher than
78% of the 1093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.35 vs. NASB: 15.48 )
NASB' s 10-Year Shiller P/E Range
Min: 5.76   Max: 21.82
Current: 15.48

5.76
21.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
NASB's Dividend Yield is ranked lower than
86% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.38 vs. NASB: 0.90 )
NASB' s 10-Year Dividend Yield Range
Min: 0.41   Max: 6.12
Current: 0.9

0.41
6.12
Dividend Payout 0.04
NASB's Dividend Payout is ranked higher than
99% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. NASB: 0.04 )
NASB' s 10-Year Dividend Payout Range
Min: 0.03   Max: 1.74
Current: 0.04

0.03
1.74
Dividend growth (3y) -100.00
NASB's Dividend growth (3y) is ranked higher than
56% of the 1033 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. NASB: -100.00 )
NASB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 47.7
Current: -100

0
47.7
Yield on cost (5-Year) 0.90
NASB's Yield on cost (5-Year) is ranked lower than
83% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. NASB: 0.90 )
NASB' s 10-Year Yield on cost (5-Year) Range
Min: 0.41   Max: 6.12
Current: 0.9

0.41
6.12

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
NASB's Price/Tangible Book is ranked higher than
87% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. NASB: 0.90 )
NASB' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 2.84
Current: 0.9

0.26
2.84
Price/DCF (Projected) 0.40
NASB's Price/DCF (Projected) is ranked higher than
86% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. NASB: 0.40 )
NASB' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 0.86
Current: 0.4

0.17
0.86
Price/Median PS Value 0.75
NASB's Price/Median PS Value is ranked higher than
95% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. NASB: 0.75 )
NASB' s 10-Year Price/Median PS Value Range
Min: 0.14   Max: 4.18
Current: 0.75

0.14
4.18
Price/Graham Number 0.61
NASB's Price/Graham Number is ranked higher than
87% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. NASB: 0.61 )
NASB' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 1.53
Current: 0.61

0.17
1.53
Earnings Yield (Greenblatt) 7.70
NASB's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. NASB: 7.70 )
NASB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 19.7
Current: 7.7

0.8
19.7
Forward Rate of Return (Yacktman) 8.28
NASB's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. NASB: 8.28 )
NASB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.9   Max: 67.3
Current: 8.28

-3.9
67.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
NASB Financial, Inc. was formed in 1998 as a unitary thrift holding company of North American Savings Bank, F.S.B.. The Bank is a federally chartered stock savings bank, whose main business is to attract deposits from the general public and to originate real estate loans, other loans and short-term investments. The Bank obtains funds mainly from deposits received from the general public, sales of loans and loan participations, advances from the FHLB, and principal repayments on loans and mortgage-backed securities. It has a portfolio of mortgage loans that are secured by multifamily, construction, development, and commercial real estate properties. The remaining part of the Bank's loan portfolio consists of non-mortgage commercial loans and installment loan. The Bank's main sources of income include interest on loans, interest on MBS, interest on investment securities, customer service fees, and mortgage banking fees. Its main expenses are interest payments on customer deposit accounts and borrowings and normal operating costs. The Bank's main market area includes the counties of Jackson, Cass, Clay, Buchanan, Andrew, Platte, and Ray in Missouri, and Johnson and Wyandotte counties in Kansas. It currently has nine retail deposit offices in Missouri including one each in Grandview, Lee's Summit, Independence, Harrisonville, Excelsior Springs, Platte City, and St. Joseph, and two in Kansas City.
» More Articles for NASB

Headlines

Articles On GuruFocus.com
NASB Financial Inc. Reports Operating Results (10-Q) Feb 09 2011 
NASB Financial Inc. (NASB) CEO David H Hancock buys 1,962 Shares Dec 14 2010 
NASB Financial Inc. (NASB) CEO David H Hancock buys 10,000 Shares Dec 14 2010 
NASB Financial Inc. Reports Operating Results (10-K) Dec 14 2010 
NASB Financial Inc. Reports Operating Results (10-Q) Aug 09 2010 
NASB Financial Inc. Reports Operating Results (10-Q) Jun 14 2010 
NASB Financial Inc. Reports Operating Results (10-Q) Jun 04 2010 
NASB Financial Inc. Reports Operating Results (10-K) Dec 14 2009 
NASB Financial Inc. Reports Operating Results (10-Q) Aug 07 2009 
NASB Financial, Inc. Announces Financial Results Aug 05 2009 

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