Switch to:

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 0.06
NASB's Cash-to-Debt is ranked lower than
96% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. NASB: 0.06 )
Ranked among companies with meaningful Cash-to-Debt only.
NASB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.06 Max: N/A
Current: 0.06
Equity-to-Asset 0.12
NASB's Equity-to-Asset is ranked higher than
69% of the 1628 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: 0.04  Med: 0.1 Max: 0.17
Current: 0.12
0.04
0.17
Interest Coverage 3.01
NASB's Interest Coverage is ranked higher than
67% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. NASB: 3.01 )
Ranked among companies with meaningful Interest Coverage only.
NASB' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 2.43 Max: 5.7
Current: 3.01
0.25
5.7
WACC vs ROIC
3.06%
4.75%
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 : 5/10

vs
industry
vs
history
Operating Margin % 35.53
NASB's Operating Margin % is ranked higher than
59% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. NASB: 35.53 )
Ranked among companies with meaningful Operating Margin % only.
NASB' s Operating Margin % Range Over the Past 10 Years
Min: -34.51  Med: 31.47 Max: 42.61
Current: 35.53
-34.51
42.61
Net Margin % 22.21
NASB's Net Margin % is ranked lower than
52% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. NASB: 22.21 )
Ranked among companies with meaningful Net Margin % only.
NASB' s Net Margin % Range Over the Past 10 Years
Min: -21.23  Med: 20.16 Max: 26.2
Current: 22.21
-21.23
26.2
ROE % 13.16
NASB's ROE % is ranked higher than
76% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. NASB: 13.16 )
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: 13.16
-10.23
15.05
ROA % 1.53
NASB's ROA % is ranked higher than
79% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. NASB: 1.53 )
Ranked among companies with meaningful ROA % only.
NASB' s ROA % Range Over the Past 10 Years
Min: -1.21  Med: 1.26 Max: 2.32
Current: 1.53
-1.21
2.32
3-Year Revenue Growth Rate 4.30
NASB's 3-Year Revenue Growth Rate is ranked higher than
51% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. NASB: 4.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NASB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.9 Max: 26.2
Current: 4.3
0
26.2
3-Year EBITDA Growth Rate -6.50
NASB's 3-Year EBITDA Growth Rate is ranked lower than
83% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NASB: -6.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NASB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.8 Max: 70.6
Current: -6.5
0
70.6
3-Year EPS without NRI Growth Rate -4.90
NASB's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NASB: -4.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NASB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: -1.1 Max: 63.7
Current: -4.9
-27.1
63.7
GuruFocus has detected 1 Warning Sign with NASB Financial Inc $NASB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NASB's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:SMBC, NAS:GCBC, NAS:HBCP, NAS:TBNK, NAS:FNWB, NAS:SIFI, NAS:LSBG, NAS:ESSA, NAS:TSBK, NAS:ICBK, NAS:CSBK, NAS:OFED, NAS:MLVF, NAS:PROV, NAS:BSF, NAS:PBIP, NAS:FSBK, NAS:RVSB, NAS:HIFS, NAS:UCFC » details
Headquarter Location:USA
NASB Financial Inc is a holding company of North American Savings Bank, F.S.B. The bank is a federally chartered stock savings bank, whose attracts deposits from the general public and originates real estate loans, other loans, and short-term investments.

NASB Financial Inc is a 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. It 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. Its sources of income include interest on loans, interest on MBS, interest on investment securities, customer service fees, and mortgage banking fees.

Ratios

vs
industry
vs
history
PE Ratio 9.57
NASB's PE Ratio is ranked higher than
76% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. NASB: 9.57 )
Ranked among companies with meaningful PE Ratio only.
NASB' s PE Ratio Range Over the Past 10 Years
Min: 5.16  Med: 11.41 Max: 71.79
Current: 9.57
5.16
71.79
PE Ratio without NRI 9.57
NASB's PE Ratio without NRI is ranked higher than
75% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. NASB: 9.57 )
Ranked among companies with meaningful PE Ratio without NRI only.
NASB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.16  Med: 11.41 Max: 71.79
Current: 9.57
5.16
71.79
Price-to-Owner-Earnings 10.09
NASB's Price-to-Owner-Earnings is ranked higher than
66% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. NASB: 10.09 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NASB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.07  Med: 10.71 Max: 211.45
Current: 10.09
3.07
211.45
PB Ratio 1.20
NASB's PB Ratio is ranked higher than
51% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. NASB: 1.20 )
Ranked among companies with meaningful PB Ratio only.
NASB' s PB Ratio Range Over the Past 10 Years
Min: 0.48  Med: 1.09 Max: 2.36
Current: 1.2
0.48
2.36
PS Ratio 2.12
NASB's PS Ratio is ranked higher than
75% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. NASB: 2.12 )
Ranked among companies with meaningful PS Ratio only.
NASB' s PS Ratio Range Over the Past 10 Years
Min: 0.94  Med: 2.21 Max: 10.84
Current: 2.12
0.94
10.84
EV-to-EBIT 14.89
NASB's EV-to-EBIT is ranked lower than
60% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. NASB: 14.89 )
Ranked among companies with meaningful EV-to-EBIT only.
NASB' s EV-to-EBIT Range Over the Past 10 Years
Min: -16.5  Med: 17 Max: 127.3
Current: 14.89
-16.5
127.3
EV-to-EBITDA 14.89
NASB's EV-to-EBITDA is ranked lower than
64% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. NASB: 14.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
NASB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -18.5  Med: 16.4 Max: 120.5
Current: 14.89
-18.5
120.5
Shiller PE Ratio 17.88
NASB's Shiller PE Ratio is ranked higher than
61% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. NASB: 17.88 )
Ranked among companies with meaningful Shiller PE Ratio only.
NASB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.54  Med: 10.86 Max: 20.56
Current: 17.88
4.54
20.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.20
NASB's Dividend Yield % is ranked higher than
61% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. NASB: 3.20 )
Ranked among companies with meaningful Dividend Yield % only.
NASB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.41  Med: 2.83 Max: 6.12
Current: 3.2
0.41
6.12
Dividend Payout Ratio 0.29
NASB's Dividend Payout Ratio is ranked higher than
58% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. NASB: 0.29 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NASB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.38 Max: 0.76
Current: 0.29
0.09
0.76
Forward Dividend Yield % 3.59
NASB's Forward Dividend Yield % is ranked higher than
64% of the 2234 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. NASB: 3.59 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.20
NASB's 5-Year Yield-on-Cost % is ranked lower than
53% of the 2672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. NASB: 3.20 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NASB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.41  Med: 2.83 Max: 6.12
Current: 3.2
0.41
6.12
3-Year Average Share Buyback Ratio 2.00
NASB's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 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: -58.4  Med: 0 Max: 3
Current: 2
-58.4
3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.31
NASB's Price-to-Tangible-Book is ranked lower than
51% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. NASB: 1.31 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NASB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.13  Med: 1.12 Max: 2.84
Current: 1.31
0.13
2.84
Price-to-Intrinsic-Value-Projected-FCF 0.92
NASB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. NASB: 0.92 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NASB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.06  Med: 0.41 Max: 1.59
Current: 0.92
0.06
1.59
Price-to-Median-PS-Value 0.96
NASB's Price-to-Median-PS-Value is ranked higher than
74% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. NASB: 0.96 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NASB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.09 Max: 5.87
Current: 0.96
0.47
5.87
Price-to-Graham-Number 0.75
NASB's Price-to-Graham-Number is ranked higher than
67% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. NASB: 0.75 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NASB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.04  Med: 0.71 Max: 1.55
Current: 0.75
0.04
1.55
Earnings Yield (Greenblatt) % 6.72
NASB's Earnings Yield (Greenblatt) % is ranked higher than
54% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. NASB: 6.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NASB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -13.4  Med: 4.2 Max: 19.7
Current: 6.72
-13.4
19.7
Forward Rate of Return (Yacktman) % 8.94
NASB's Forward Rate of Return (Yacktman) % is ranked lower than
58% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. NASB: 8.94 )
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: -18.6  Med: 5.05 Max: 25.4
Current: 8.94
-18.6
25.4

More Statistics

Revenue (TTM) (Mil) $126.65
EPS (TTM) $ 3.79
Beta0.34
Short Percentage of Float1.84%
52-Week Range $28.30 - 40.50
Shares Outstanding (Mil)7.38
» More Articles for NASB

Headlines

Articles On GuruFocus.com
NASB Financial, Inc. Declares Cash Dividend on Common Stock May 26 2017 
NASB Financial, Inc. Announces Financial Results May 10 2017 
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 

More From Other Websites
NASB Financial, Inc. : NASB-US: Dividend Analysis : June 09th, 2017 (record date) : By the numbers :... Jun 08 2017
NASB Financial, Inc. :NASB-US: Earnings Analysis: Q2, 2017 By the Numbers : May 30, 2017 May 30 2017
NASB Financial, Inc. Declares Cash Dividend on Common Stock May 26 2017
NASB Financial, Inc. Announces Financial Results May 10 2017
NASB Financial, Inc. : NASB-US: Dividend Analysis : March 10th, 2017 (record date) : By the numbers... Apr 03 2017
Which KC-area stocks had the best, worst February? Take a look Mar 03 2017
NASB Financial, Inc. :NASB-US: Earnings Analysis: Q1, 2017 By the Numbers : February 15, 2017 Feb 15 2017
NASB Financial, Inc. : NASB-US: Dividend Analysis : December 16th, 2016 (record date) : By the... Feb 01 2017
OTC Markets Group Announces Quarterly Index Performance and Rebalancing Jan 23 2017
NASB Financial, Inc. :NASB-US: Earnings Analysis: 2016 By the Numbers : January 12, 2017 Jan 12 2017
NASB Financial, Inc.: Price momentum supported by strong fundamentals Dec 22 2016
NASB Financial, Inc. : Undervalued relative to peers, but don’t ignore the other factors Dec 09 2016
NASB Financial, Inc. :NASB-US: Earnings Analysis: Q3, 2016 By the Numbers : August 11, 2016 Aug 11 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}