NMBF (NMB Finl) Change In Receivables: $-0.10 Mil (TTM As of Dec. 2025)

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NMBF NMB Finl Corp NMBF
66 GF Score
Price $20.74
GF Value $14.66
Valuation Significantly Overvalued
! 4 Warning Signs
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What is NMB Finl Change In Receivables?

NMB Finl NMBF 66 Change In Receivables is $-0.10 Mil as of Dec. 2025. GuruFocus rates NMBF with a GF Score™ of 66/100 and a GF Value™ of $14.66 (Significantly Overvalued). The stock has 4 warning signs investors should review.

NMB Finl's change in receivables for the quarter that ended in Dec. 2025 was $-0.10 Mil. It means NMB Finl's Accounts Receivable increased by $0.10 Mil from Dec. 2024 to Dec. 2025 .

NMB Finl's change in receivables for the fiscal year that ended in Dec. 2025 was $-0.10 Mil. It means NMB Finl's Accounts Receivable increased by $0.10 Mil from Dec. 2024 to Dec. 2025 .

NMB Finl's Accounts Receivable for the quarter that ended in Dec. 2025 was $0.00 Mil.

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 Receivable are being managed. NMB Finl's Days Sales Outstanding for the six months ended in Dec. 2025 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. NMB Finl's liquidation value for the six months ended in Dec. 2025 was $-641.53 Mil.


NMB Finl  (OTCPK:NMBF) Change In Receivables 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 Receivable are being managed.

NMB Finl's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/33.393*91
=0.00

2. In Ben Graham's calculation of liquidation value, NMB Finl's accounts receivable are only considered to be worth 75% of book value:

NMB Finl's liquidation value for the quarter that ended in Dec. 2025 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=145.877-787.404+0.75 * 0+0.5 * 0
=-641.53

* 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.


NMB Finl Change In Receivables Related Terms


NMB Finl Change In Receivables Historical Data

* Premium members only.

The historical data trend for NMB Finl's Change In Receivables 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.

NMB Finl Change In Receivables Chart

NMB Finl Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial 0.53 -0.96 -9.79 9.81 -0.10

NMB Finl Semi-Annual Data
Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables Get a 7-Day Free Trial 0.53 -0.96 -9.79 9.81 -0.10
NMBF
66GF Score
NMB Finl Corp NMBF
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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NMB Finl Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Change In Receivables for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.10 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-0.10 Mil mean?
NMB Finl (NMBF) has a Change In Receivables of $-0.10 Mil as of Dec. 2025. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for NMB Finl and its competitors.
Is NMB Finl's Change In Receivables too high?
NMB Finl's current Change In Receivables is $-0.10 Mil. Overall, NMB Finl has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's Change In Receivables compare to FABP and CYVF?
NMB Finl's Change In Receivables of $-0.10 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for NMB Finl and its competitors. NMB Finl's current Change In Receivables is $-0.10 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.66, compared to a current price of $20.74 — trading 41.5% above its estimated fair value. The current Change In Receivables is $-0.10 Mil. NMB Finl's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For NMB Finl (NMBF), the current Change In Receivables is $-0.10 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NMB Finl (NMBF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued. The current stock price of $20.74 is trading 41.5% above its estimated GF Value™ of $14.66. GuruFocus considers NMB Finl to be Significantly Overvalued.

Key valuation signals for NMBF:

  • Change In Receivables: $-0.10 Mil
  • GF Value™: $14.66 vs. price of $20.74 (41.5% above fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the NMBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


NMB Finl Business Description

Address 222 Bruce Reynolds Boulevard, Suite 400, Fort Lee, NJ, USA, 07024
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
66GF Score

Get the complete analysis for NMBF

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.74
Price
$14.66
GF Value