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16.99 (1y: +22%)
Market Cap 60.7 M P/E(ttm) 44.30
Enterprise Value 151.83 M P/B 1.10
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.351
NFSB's Cash to Debt is ranked lower than
73% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. NFSB: 0.351 )
NFSB' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.35
Equity to Asset 0.118
NFSB's Equity to Asset is ranked higher than
73% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. NFSB: 0.118 )
NFSB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.21
Current: 0.12
0.06
0.21
Interest Coverage No Debt
NFSB's Interest Coverage is ranked higher than
80% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. NFSB: No Debt )
NFSB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.33
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 13.80
NFSB's Operating margin (%) is ranked lower than
61% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 25.80 vs. NFSB: 13.80 )
NFSB' s 10-Year Operating margin (%) Range
Min: -17.9   Max: 15.5
Current: 13.8
-17.9
15.5
Net-margin (%) 9.6
NFSB's Net-margin (%) is ranked lower than
69% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. NFSB: 9.6 )
NFSB' s 10-Year Net-margin (%) Range
Min: -14.6   Max: 18.8
Current: 9.6
-14.6
18.8
ROE (%) 2.9
NFSB's ROE (%) is ranked lower than
72% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. NFSB: 2.9 )
NFSB' s 10-Year ROE (%) Range
Min: -2.8   Max: 9.4
Current: 2.9
-2.8
9.4
ROA (%) 0.3
NFSB's ROA (%) is ranked lower than
74% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NFSB: 0.3 )
NFSB' s 10-Year ROA (%) Range
Min: -0.6   Max: 0.6
Current: 0.3
-0.6
0.6
Revenue Growth (%) 4.6
NFSB's Revenue Growth (%) is ranked higher than
90% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. NFSB: 4.6 )
NFSB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 15.6
Current: 4.6
0
15.6
EBITDA Growth (%) 14.9
NFSB's EBITDA Growth (%) is ranked lower than
79% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.10 vs. NFSB: 14.9 )
NFSB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 68.2
Current: 14.9
0
68.2
EPS Growth (%) 26.4
NFSB's EPS Growth (%) is ranked lower than
79% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. NFSB: 26.4 )
NFSB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 32.2
Current: 26.4
0
32.2
ยป NFSB's 10-Y Financials

Financials


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

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Ratios

vs
industry		 vs
history
P/E(ttm) 44.30
NFSB's P/E(ttm) is ranked lower than
68% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. NFSB: 44.30 )
NFSB' s 10-Year P/E(ttm) Range
Min: 22.3   Max: 112.82
Current: 44.3
22.3
112.82
P/B 1.10
NFSB's P/B is ranked lower than
54% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. NFSB: 1.10 )
NFSB' s 10-Year P/B Range
Min: 0.78   Max: 1.16
Current: 1.1
0.78
1.16
P/S 3.57
NFSB's P/S is ranked lower than
72% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. NFSB: 3.57 )
NFSB' s 10-Year P/S Range
Min: 2.26   Max: 8.49
Current: 3.57
2.26
8.49
PFCF 18.00
NFSB's PFCF is ranked lower than
81% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. NFSB: 18.00 )
NFSB' s 10-Year PFCF Range
Min: 12.48   Max: 62.6
Current: 18
12.48
62.6
EV-to-EBIT 76.9
NFSB's EV-to-EBIT is ranked lower than
72% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.90 vs. NFSB: 76.9 )
NFSB' s 10-Year EV-to-EBIT Range
Min: 52.2   Max: 30250.5
Current: 76.9
52.2
30250.5
PEG 0.7
NFSB's PEG is ranked higher than
73% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.29 vs. NFSB: 0.7 )
NFSB' s 10-Year PEG Range
Min: 0.48   Max: 0.7
Current: 0.7
0.48
0.7
Shiller P/E 60.6
NFSB's Shiller P/E is ranked higher than
50% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.60 vs. NFSB: 60.6 )
NFSB' s 10-Year Shiller P/E Range
Min: 51.79   Max: 177.5
Current: 60.6
51.79
177.5

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
NFSB's Price/Tangible Book is ranked higher than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. NFSB: 1.1 )
NFSB' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 1.1
Current: 1.1
0.8
1.1
Price/DCF (Projected) 0.9
NFSB's Price/DCF (Projected) is ranked higher than
90% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. NFSB: 0.9 )
NFSB' s 10-Year Price/DCF (Projected) Range
Min: 0.7   Max: 0.9
Current: 0.9
0.7
0.9
Price/Median PS Value 1.1
NFSB's Price/Median PS Value is ranked higher than
79% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NFSB: 1.1 )
NFSB' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.8
Current: 1.1
0.7
1.8
Price/Peter Lynch Fair Value 1.8
NFSB's Price/Peter Lynch Fair Value is ranked higher than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. NFSB: 1.8 )
NFSB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.4   Max: 1.6
Current: 1.8
1.4
1.6
Price/Graham Number 1.3
NFSB's Price/Graham Number is ranked higher than
89% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NFSB: 1.3 )
NFSB' s 10-Year Price/Graham Number Range
Min: 0.9   Max: 1.7
Current: 1.3
0.9
1.7
Earnings Yield (Greenblatt) 1.30
NFSB's Earnings Yield (Greenblatt) is ranked lower than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. NFSB: 1.30 )
NFSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 1.9
Current: 1.3
0.1
1.9
Forward Rate of Return (Yacktman) 73.85
NFSB's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.01 vs. NFSB: 73.85 )
NFSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1   Max: 74.2
Current: 73.85
1
74.2

Business Description

Newport Bancorp, Inc. is incorporated in the state of Maryland in the year 2006 to become holding company for Newport Federal Savings Bank. Newport Bancorp's business activity is the ownership of the outstanding capital stock of Newport Federal. The bank operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. Newport Federal attracts deposits from the general public and uses those funds to originate one-to-four family residential loans, multi-family loans, commercial real estate loans, construction loans and consumer loans. The largest segment of the bank's loan portfolio is real estate mortgage loans, mainly one-to-four family residential loans. The other significant segment of the bank's loan portfolio is commercial real estate loans. Newport Federal also originates multi-family and construction loans, as well as consumer loans. The bank originates loans for investment purposes, although the bank occasionally might sell a portion of its one-to-four family residential loans into the secondary market. The bank's origination of mortgage loans enables borrowers to purchase or refinance existing homes located in Rhode Island, Southeastern Connecticut and, to a lesser extent, Southeastern Massachusetts, although its main lending market is Newport and Washington Counties, Rhode Island. Newport Federal offers fixed- and adjustable-rate mortgage loans secured by commercial and multi-family real estate. The bank's commercial and multi-family real estate loans are generally secured by five to ten unit apartment buildings, small office buildings, two to four unit mixed-use retail and residential properties and hospitality establishments. Newport Federal originates construction loans for one-to-four family homes and commercial, multi-family and other nonresidential purposes. The bank's residential construction loans generally provide for the payment of only interest during the construction phase, which is usually six to twelve months. The bank offers a variety of consumer and other loans, including auto loans and loans secured by passbook savings or certificate accounts.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK
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Articles On GuruFocus.com
Newport Bancorp Inc. Reports Operating Results (10-K) Mar 18 2011 

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