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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 : 4/10

Interest Coverage 0.54
NFSB's Interest Coverage is ranked lower than
99.99% of the 1524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.63 vs. NFSB: 0.54 )
Ranked among companies with meaningful Interest Coverage only.
NFSB' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 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 : 2/10

» NFSB's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks

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 it's 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. Newport Federal Savings Bank is examined and supervised by the Office of the Comptroller of the Currency (OCC) and is subject to examination by the Federal Deposit Insurance Corporation (FDIC).



Valuation & Return


More Statistics

Revenue (TTM) (Mil) $16.03
EPS (TTM) $ 0.46
Short Percentage of Float0.00%
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Articles On GuruFocus.com
Newport Bancorp Inc. Reports Operating Results (10-K) Mar 18 2011 

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