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Neffs Bancorp, Inc (NEFB) Fair Value & Analysis

Financial Services · US · Market cap $57.7M

Price$395.00
Fair Value$249.37
Upside-36.9%
Quality95/100
Evidence: High Range $187.03 – $311.71

Fair value as of: Jun 26, 2026

Analysis

Neffs Bancorp, Inc (NEFB) currently trades at $395.00, while our model-based Fair Value estimate is $249.37 — implying the stock looks roughly 36.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Neffs Bancorp, Inc. operates as a bank holding company for The Neffs National Bank that provides a range of financial services to individuals, small businesses, and corporate customers in Lehigh County, Northampton County, and Carbon County, Pennsylvania. It accepts various deposit products, including checking accounts, savings and club accounts, money market demand accounts, certificates of deposit/individual retirement accounts, and young savers and young adult savers accounts. The company also offers consumer credit products, such as home equity line of credit, residential mortgages, home equity, personal loans/personal line of credit, personal first time credit, and automobile loans; student loan; and commercial credit products, including commercial mortgages, term loans, and line of credit, as well as other services comprising remote deposit and mobile deposit, business checking, credit cards, and merchant services. In addition, it provides online and mobile banking services; a…

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Frequently asked questions

Is Neffs Bancorp, Inc (NEFB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $249.37 versus a price of $395.00 — about −37% (overvalued). Model-based estimate, not financial advice.
What is the fair value of NEFB?
Our 21-model fair value for Neffs Bancorp, Inc is $249.37 (as of Jun 26, 2026), built from audited fundamentals. The current price is $395.00.
What is the quality score of NEFB?
Neffs Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.