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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.04
NASB's Cash to Debt is ranked lower than
97% of the 1456 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. NASB: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
NASB' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.05 Max: N/A
Current: 0.04
Equity to Asset 0.12
NASB's Equity to Asset is ranked higher than
69% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NASB: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NASB' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.17
Current: 0.12
0.07
0.17
Interest Coverage 2.37
NASB's Interest Coverage is ranked higher than
59% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.71 vs. NASB: 2.37 )
Ranked among companies with meaningful Interest Coverage only.
NASB' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 0.71 Max: 5.7
Current: 2.37
0.25
5.7
F-Score: 2
WACC vs ROIC
4.27%
3.49%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 28.84
NASB's Operating margin (%) is ranked lower than
55% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.90 vs. NASB: 28.84 )
Ranked among companies with meaningful Operating margin (%) only.
NASB' s Operating margin (%) Range Over the Past 10 Years
Min: -34.51  Med: 32.75 Max: 47.27
Current: 28.84
-34.51
47.27
Net-margin (%) 18.38
NASB's Net-margin (%) is ranked lower than
64% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.30 vs. NASB: 18.38 )
Ranked among companies with meaningful Net-margin (%) only.
NASB' s Net-margin (%) Range Over the Past 10 Years
Min: -21.23  Med: 20.86 Max: 29.62
Current: 18.38
-21.23
29.62
ROE (%) 9.21
NASB's ROE (%) is ranked higher than
56% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. NASB: 9.21 )
Ranked among companies with meaningful ROE (%) only.
NASB' s ROE (%) Range Over the Past 10 Years
Min: -10.23  Med: 10.43 Max: 15.05
Current: 9.21
-10.23
15.05
ROA (%) 1.16
NASB's ROA (%) is ranked higher than
69% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. NASB: 1.16 )
Ranked among companies with meaningful ROA (%) only.
NASB' s ROA (%) Range Over the Past 10 Years
Min: -1.21  Med: 1.29 Max: 2.32
Current: 1.16
-1.21
2.32
Revenue Growth (3Y)(%) -0.40
NASB's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. NASB: -0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NASB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.2  Med: 9.9 Max: 26.1
Current: -0.4
-8.2
26.1
EBITDA Growth (3Y)(%) 6.40
NASB's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. NASB: 6.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NASB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.2  Med: 6.4 Max: 70.6
Current: 6.4
-27.2
70.6
EPS Growth (3Y)(%) 8.00
NASB's EPS Growth (3Y)(%) is ranked higher than
53% of the 1206 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. NASB: 8.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NASB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.1  Med: -1.1 Max: 63.7
Current: 8
-27.1
63.7
» NASB's 10-Y Financials

Financials


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

» Details

Guru Trades

NASB Guru Trades in

NASB Guru Trades in

Q2 2014

NASB Guru Trades in Q2 2014

Jim Simons 8,900 sh (-31.01%)
» More
Q3 2014

NASB Guru Trades in Q3 2014

Jim Simons Sold Out
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» Details

Insider Trades

Latest Guru Trades with NASB

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:FXCB, NAS:BFIN, NAS:HBCP, NAS:TBNK, NAS:PULB, NAS:EBTC, NAS:SMBC, NAS:FNWB, NAS:UCFC, NAS:SIFI, OTCPK:BFCFB, NAS:PROV, NAS:ESSA, NAS:LSBG, NAS:GCBC, NAS:HFFC, NAS:ICBK, NAS:CSBK, NAS:BSF, NAS:BKMU » details
NASB Financial Inc is a unitary thrift holding company of North American Savings Bank, F.S.B. The Bank attracts deposits from the general public and originates real estate loans other loans and short-term investments.

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 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 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 Banks loan portfolio consists of non-mortgage commercial loans and installment loan. The Banks 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 Banks 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, Lees Summit, Independence, Harrisonville, Excelsior Springs, Platte City, and St. Joseph, and two in Kansas City.

Ratios

vs
industry
vs
history
P/E(ttm) 12.85
NASB's P/E(ttm) is ranked higher than
52% of the 1491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. NASB: 12.85 )
Ranked among companies with meaningful P/E(ttm) only.
NASB' s P/E(ttm) Range Over the Past 10 Years
Min: 5.16  Med: 12.19 Max: 71.79
Current: 12.85
5.16
71.79
PE(NRI) 12.85
NASB's PE(NRI) is ranked higher than
52% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.36 vs. NASB: 12.85 )
Ranked among companies with meaningful PE(NRI) only.
NASB' s PE(NRI) Range Over the Past 10 Years
Min: 5.16  Med: 12.18 Max: 71.79
Current: 12.85
5.16
71.79
Price/Owner Earnings (ttm) 14.27
NASB's Price/Owner Earnings (ttm) is ranked lower than
58% of the 838 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.83 vs. NASB: 14.27 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NASB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.01  Med: 10.6 Max: 211.45
Current: 14.27
3.01
211.45
P/B 1.14
NASB's P/B is ranked lower than
57% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. NASB: 1.14 )
Ranked among companies with meaningful P/B only.
NASB' s P/B Range Over the Past 10 Years
Min: 0.48  Med: 1.09 Max: 2.36
Current: 1.14
0.48
2.36
P/S 2.36
NASB's P/S is ranked higher than
63% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. NASB: 2.36 )
Ranked among companies with meaningful P/S only.
NASB' s P/S Range Over the Past 10 Years
Min: 0.94  Med: 2.25 Max: 10.84
Current: 2.36
0.94
10.84
EV-to-EBIT 21.06
NASB's EV-to-EBIT is ranked lower than
75% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.74 vs. NASB: 21.06 )
Ranked among companies with meaningful EV-to-EBIT only.
NASB' s EV-to-EBIT Range Over the Past 10 Years
Min: -16.5  Med: 19.8 Max: 127.3
Current: 21.06
-16.5
127.3
EV-to-EBITDA 21.06
NASB's EV-to-EBITDA is ranked lower than
78% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. NASB: 21.06 )
Ranked among companies with meaningful EV-to-EBITDA only.
NASB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -18.5  Med: 18.3 Max: 120.5
Current: 21.06
-18.5
120.5
Shiller P/E 17.11
NASB's Shiller P/E is ranked higher than
52% of the 486 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.59 vs. NASB: 17.11 )
Ranked among companies with meaningful Shiller P/E only.
NASB' s Shiller P/E Range Over the Past 10 Years
Min: 4.54  Med: 10.7 Max: 17.91
Current: 17.11
4.54
17.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.88
NASB's Dividend Yield is ranked lower than
51% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. NASB: 2.88 )
Ranked among companies with meaningful Dividend Yield only.
NASB' s Dividend Yield Range Over the Past 10 Years
Min: 0.41  Med: 2.76 Max: 6.12
Current: 2.88
0.41
6.12
Dividend Payout 0.37
NASB's Dividend Payout is ranked lower than
56% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. NASB: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
NASB' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.26 Max: 1.73
Current: 0.37
0.04
1.73
Forward Dividend Yield 3.25
NASB's Forward Dividend Yield is ranked higher than
52% of the 2090 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.14 vs. NASB: 3.25 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.88
NASB's Yield on cost (5-Year) is ranked lower than
58% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.48 vs. NASB: 2.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NASB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.41  Med: 2.75 Max: 6.12
Current: 2.88
0.41
6.12
3-Year Average Share Buyback Ratio 2.00
NASB's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. NASB: 2.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NASB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -57.1  Med: 0.3 Max: 2.3
Current: 2
-57.1
2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
NASB's Price/Tangible Book is ranked lower than
55% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. NASB: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
NASB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.33  Med: 1.22 Max: 2.84
Current: 1.2
0.33
2.84
Price/Projected FCF 0.52
NASB's Price/Projected FCF is ranked higher than
67% of the 847 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. NASB: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
NASB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.7 Max: 9.89
Current: 0.52
0.25
9.89
Price/Median PS Value 1.05
NASB's Price/Median PS Value is ranked lower than
53% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. NASB: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
NASB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.22 Max: 5.77
Current: 1.05
0.46
5.77
Price/Graham Number 0.82
NASB's Price/Graham Number is ranked higher than
53% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. NASB: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
NASB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.17  Med: 0.75 Max: 1.55
Current: 0.82
0.17
1.55
Earnings Yield (Greenblatt) (%) 4.70
NASB's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. NASB: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NASB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 4.8 Max: 19.7
Current: 4.7
0.8
19.7
Forward Rate of Return (Yacktman) (%) -8.58
NASB's Forward Rate of Return (Yacktman) (%) is ranked lower than
85% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.00 vs. NASB: -8.58 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NASB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -26  Med: 4.45 Max: 25.2
Current: -8.58
-26
25.2

More Statistics

Revenue (TTM) (Mil) $100.5
EPS (TTM) $ 2.49
Beta0.62
Short Percentage of Float1.84%
52-Week Range $27.00 - 34.25
Shares Outstanding (Mil)7.41
» More Articles for OTCPK: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. Reports Operating Results (10-Q) May 08 2009 

More From Other Websites
NASB FINANCIAL INC Financials Aug 27 2016
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August 5, 2016 NASB Financial Inc. Announces Financial Results Aug 08 2016
NASB Financial, Inc. Announces Financial Results Aug 05 2016
May 26, 2016, NASB Financial Inc. Declares Cash Dividend on Common Stock May 26 2016
NASB Financial, Inc. Declares Cash Dividend on Common Stock May 26 2016
May 6, 2016 NASB Financial Inc. Announces Financial Results May 06 2016
NASB Financial, Inc. Announces Financial Results May 06 2016
NASB Financial, Inc. Declares Cash Dividend on Common Stock Mar 03 2016
NASB Financial, Inc. And Lexington B & L Financial Corp. Announce Signing Of Merger Agreement Feb 23 2016
NASB Financial, Inc. Announces Financial Results Feb 04 2016
NASB Financial, Inc. : Neutral outlook but great fundamentals Jan 06 2016
December 1, 2015, NASB Financial Inc. Declares Cash Dividend on Common Stock Dec 22 2015
December 17, 2015 NASB Financial Inc. Announces Financial Results Dec 22 2015
NASB Financial, Inc. Announces Financial Results Dec 17 2015
NASB Financial, Inc. Declares Cash Dividend on Common Stock Dec 01 2015
October 27, 2015, NASB Financial Inc. Announces Termination of Consent Order Nov 13 2015
NASB Financial, Inc. Announces Termination of Consent Order Oct 27 2015
NASB Financial, Inc. Earnings Q3, 2015 Sep 15 2015
NASB Financial, Inc. Declares Cash Dividend on Common Stock Aug 28 2015

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