NASB Financial (NASB Financial) Accounts Receivable

: $11.98 Mil (As of Dec. 2023)

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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. NASB Financial's accounts receivables for the quarter that ended in Dec. 2023 was $11.98 Mil.

Accounts receivable can be measured by Days Sales Outstanding. NASB Financial's Days Sales Outstanding for the quarter that ended in Dec. 2023 was 54.65.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. NASB Financial's Net-Net Working Capital per share for the quarter that ended in Dec. 2023 was $-242.50.

NASB Financial Accounts Receivable Historical Data

The historical data trend for NASB Financial's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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NASB Financial Annual Data

Trend

Sep14

Sep15

Sep16

Sep17

Sep18

Sep19

Sep20

Sep21

Sep22

Sep23

Accounts Receivable

8.83

9.96

7.06

8.19

10.86

NASB Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Accounts Receivable																10.09	9.27	10.26	10.86	11.98

NASB Financial Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

NASB Financial Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

NASB Financial's Days Sales Outstanding for the quarter that ended in Dec. 2023 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	11.978	/	20	*	91
=	54.65

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), NASB Financial's accounts receivable are only considered to be worth 75% of book value:

NASB Financial's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2023 is calculated as:

	Net-Net Working Capital Per Share
=	(Cash And Cash Equivalents	+	0.75 * Accounts Receivable	+	0.5 * Total Inventories	-	Total Liabilities
-	Preferred Stock	-	Minority Interest)	/	Shares Outstanding (EOP)
=	(550.365	+	0.75 * 11.978	+	0.5 * 0	-	2353.328
-	0	-	0)	/	7.39791
=	-242.50

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

NASB Financial Accounts Receivable Related Terms

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NASB Financial (NASB Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » NASB Financial Inc (OTCPK:NASB) » Definitions » Accounts Receivable

Comparable Companies

Traded in Other Exchanges

N/A

Address

12498 South 71 Highway, Grandview, MO, USA, 64030

Website

https://www.nasb.com

NASB Financial Inc 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. It has a portfolio of mortgage loans that are secured by multifamily, construction, development, and commercial real estate properties. Its sources of income include interest on loans, interest on MBS, interest on investment securities, customer service fees, and mortgage banking fees.

Executives

Frederick V Arbanas	director	3350 SOUTHWEST HOOK ROAD, LEE'S SUMMIT MO 64082
David H Hancock	director, 10 percent owner, officer: Chairman and CEO	12498 S 71 HIGHWAY, GRANDVIEW MO 64030
Linda S Hancock	director	5049 WORNALL RD 5EF, KANSAS CITY MO 64112
Wagers Thomas B Sr	officer: Vice President	6444 SUMMIT STREET, KANSAS CITY MO 64113
John M Nesselrode	officer: Vice President	22004 W 52ND, SHAWNEE KS 66226
Braman Michael P Jr	officer: Vice President	14074 S BLACKFOOT COURT, OLATHE KS 66062
Dena K Sanders	officer: Vice President	7401 WARD PARKWAY, KANSAS CITY MO 64114
Derek A Bridges	officer: Vice President	3607 W 156TH TERRACE, OVERLAND PARK KS 66224
Barrett Brady	director	411 W 46TH TERRACE, APT 503, KANSAS CITY MO 64112
Laura Brady	director	4949 WORNALL ROAD #300, KANSAS CITY MO 64112
Michael G Anderson	officer: Vice President	14321 MELROSE STREET, OVERLAND PARK KS 66221
Russell W Welsh	director	644 N MEYER BLVD, KANSAS CITY MO 64113
Jim A Watson	director, officer: Vice President	19 WEST 70TH STREET, KANSAS CITY MO 64113
Fletcher M Lamkin	director	501 WESTMINSTER AVE., FULTON MO 65251
Wade M Hall	officer: Vice President	14300 CONNELL ST, OVERLAND PARK KS 66021