North Dallas Bank & Trust Co (NODB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of North Dallas Bank & Trust Co stock $48.81, price $66.16, that is 26.2% below the price, quality 47 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $42.95 – $81.02 · fair‑value band $42.32 – $69.56 · the $66.16 price screens above the $48.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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North Dallas Bank & Trust Co. operates as an independent community bank in Texas.
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It offers checking and savings accounts; certificate of deposits and individual retirement accounts; vehicle, personal, overdraft protection, home equity, home improvement, and construction and residential lot loans, as well as home equity line of credit; debit and credit cards; mortgage loans; and online and mobile banking services.
The company also provides business lines of credit, equipment financing, commercial real estate, and interim construction loans, as well as healthcare financing and physician services; and treasury services, such as payables, receivables, information reporting, liquidity management, and fraud mitigation services.
In addition, it offers investment management, trust, retirement, financial planning, and wealth management services. North Dallas Bank & Trust Co. was founded in 1961 and is headquartered in Dallas, Texas.
Stock analysis
North Dallas Bank & Trust Co (NODB) currently trades at $66.16, while our model-based Fair Value estimate is $48.81, 26% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $56.43 per share, and 1 of the 6 models we run sit above the $66.16 price.
Bear case: the Dividend Discount group reads lowest at $5.22, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $42.32 (bear) to $69.56 (bull), the price of $66.16 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
North Dallas Bank & Trust Co reported revenue of $90.2M in FY2025 versus $42.8M in FY2021, a compound +20.5%/yr. Reported net income was $8.6M in FY2025, compounding +4.9%/yr from FY2021.
Key figures
Market cap $170M Micro · P/E ratio 17.5 · P/S ratio 1.67 · EPS (TTM) $3.78 · Dividend yield 0.3% · Net margin 9.5% · Return on equity 4.7% · Return on assets (EBIT) 0.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −26%, NODB screens cheaper than that median.
Fair Value models
Bear$42.32Fair Value $48.81Bull$69.56
Price $66.16 · Downside -26.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.07 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.0%
Start year 2020 (pandemic). Over 10 years: +10.3% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.3%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−8.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.5%
Dividend (yield on the price)0.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.1% vs 3.1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 11%
2025 sits 128% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare North Dallas Bank & Trust Co with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score47 · Bottom 25%
Fair Value upside−26.2% · Below median
Profitability
Return on equity (12 months)4.7% · Bottom 25%
Return on assets0.5% · Bottom 25%
Net margin (12 months)9.5% · Bottom 25%
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)14.7% · Above median
Dividend yield (12 months)0.3% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)17.5× · Priciest 25%
P/B0.92× · Cheaper than median
P/S (12 months)3.32× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)74· sector 47
PAST (return on equity)19· sector 43
HEALTH (low debt)–
DIVIDEND (yield)6· sector 53
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "North Dallas Bank & Trust Co Fair Value". https://www.fairvalue-calculator.com/stock/NODB
Frequently asked questions
Is North Dallas Bank & Trust Co (NODB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $48.81 versus a price of $66.16, about 26% lower (overvalued).
What is the fair value of NODB?
Our model-based fair value for North Dallas Bank & Trust Co is $48.81 (as of Nov 8, 2026), built from audited fundamentals. The current price: $66.16.
What is the quality score of NODB?
North Dallas Bank & Trust Co has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for North Dallas Bank & Trust Co (NODB)?
Our model-based price target is the fair value of $48.81 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $42.32, optimistic scenario $69.56. It is a calculation from audited fundamentals, not an analyst target.
What is the North Dallas Bank & Trust Co stock forecast for 2026?
Our models put fair value at $48.81, about 26% lower versus a price of $66.16 (overvalued). Cautious scenario $42.32, optimistic scenario $69.56. The calculation is refreshed regularly with new filings.
What is the revenue of North Dallas Bank & Trust Co (NODB)?
North Dallas Bank & Trust Co reported trailing-twelve-month revenue of about $51.2M (latest available figure, as of Nov 8, 2026).
Does North Dallas Bank & Trust Co pay a dividend?
North Dallas Bank & Trust Co currently shows a dividend yield of 0.30% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of North Dallas Bank & Trust Co (NODB) and when is the ex-dividend date?
North Dallas Bank & Trust Co pays a dividend of $0.2 per share a year, a dividend yield of 0.3%. The last ex-dividend date was Oct 16, 2026. A dividend has been paid every year since at least 1999. The payout ratio is 5.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of North Dallas Bank & Trust Co (NODB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For North Dallas Bank & Trust Co it is $48.81 per share (as of Nov 8, 2026), against a price of $66.16. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is North Dallas Bank & Trust Co stock overvalued or undervalued in 2026?
As of Nov 8, 2026, NODB trades above its calculated fair value: price $66.16, fair value $48.81, a gap of about −26% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NODB?
No. The price is what the market pays today ($66.16); the fair value is what the company's own numbers justify ($48.81). For North Dallas Bank & Trust Co the two are $17.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is North Dallas Bank & Trust Co worth?
The market values North Dallas Bank & Trust Co at about $170M (market capitalisation, as of Nov 8, 2026). Per share that is $66.16; our models calculate a fair value of $48.81 per share.
What do the bullish and bearish scenarios say about NODB?
Our models span a range for North Dallas Bank & Trust Co: cautious scenario $42.32, base $48.81, optimistic $69.56 per share (as of Nov 8, 2026, price $66.16). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NODB?
North Dallas Bank & Trust Co trades at a price-to-earnings ratio of 17.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $48.81 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2020 to 2025), reported earnings: 26.0. Other multiples: P/B 0.9, P/S 3.3.
How solid is the balance sheet of North Dallas Bank & Trust Co (NODB)?
Balance-sheet figures for North Dallas Bank & Trust Co (as of Nov 8, 2026): return on equity 4.7%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is NODB from its 52-week high?
North Dallas Bank & Trust Co trades at $66.16, about 7% below its 52-week high of $71.39 and 14% above the low of $58.11 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $48.81 is for.
Which stocks are comparable to North Dallas Bank & Trust Co?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is North Dallas Bank & Trust Co stock attractive at the current price?
The data as of Nov 8, 2026: price $66.16, calculated fair value $48.81 (−26%), Quality Score 47/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NODB calculated?
We run North Dallas Bank & Trust Co through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $48.81 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. North Dallas Bank & Trust Co itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of North Dallas Bank & Trust Co (NODB)?
The closing price on Nov 6, 2026 was $66.16. Our model-based fair value is $48.81, about 26% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with North Dallas Bank & Trust Co right now?
Weak quality (47/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of North Dallas Bank & Trust Co (NODB) come from?
Earnings per share at North Dallas Bank & Trust Co grew −2.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.6 %, EBIT margin −14.0 %, tax rate +2.7 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of North Dallas Bank & Trust Co
How large is the market capitalisation of North Dallas Bank & Trust Co (NODB)?
The market capitalisation of North Dallas Bank & Trust Co is $170M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of North Dallas Bank & Trust Co (NODB)?
The price-to-sales ratio of North Dallas Bank & Trust Co is 1.67 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of North Dallas Bank & Trust Co (NODB)?
Earnings per share at North Dallas Bank & Trust Co are $3.78 (price ÷ EPS = P/E 17.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of North Dallas Bank & Trust Co (NODB)?
The dividend yield of North Dallas Bank & Trust Co is 0.3% (payout 5.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of North Dallas Bank & Trust Co (NODB)?
The net margin of North Dallas Bank & Trust Co is 9.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of North Dallas Bank & Trust Co (NODB)?
The return on equity (ROE) of North Dallas Bank & Trust Co is 4.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of North Dallas Bank & Trust Co (NODB)?
On an EBIT basis the return on assets of North Dallas Bank & Trust Co is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at North Dallas Bank & Trust Co (NODB)?
Revenue at North Dallas Bank & Trust Co is growing +14.7% versus a year earlier (3y avg +18.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at North Dallas Bank & Trust Co (NODB)?
Earnings per share at North Dallas Bank & Trust Co are growing +29.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does North Dallas Bank & Trust Co (NODB) generate?
The free cash flow of North Dallas Bank & Trust Co is −$5.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does North Dallas Bank & Trust Co (NODB) hold?
North Dallas Bank & Trust Co holds more cash than debt, $243M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 8, 2026