Nmb Financial Corp (NMBF) fair value: what the stock is really worth
As of Sep 21, 2026: fair value of Nmb Financial Corp $22.06, price $22.25, upside -0.9%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $1.55 – $22.25 · the $22.25 price screens above the $22.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Nmb Financial Corp operates as the bank holding company for New Millennium Bank that offers various banking products and services for individuals and businesses in the United States. The company offers deposit products, including checking, savings, and money market accounts, as well as certificates of deposit.
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Nmb Financial Corp operates as the bank holding company for New Millennium Bank that offers various banking products and services for individuals and businesses in the United States. The company offers deposit products, including checking, savings, and money market accounts, as well as certificates of deposit. It also provides loan products, such as home equity lines of credit, personal, small business administration, commercial, commercial real estate, and mortgage loans. The company was founded in 1999 and is headquartered in Fort Lee, New Jersey.
Stock analysis
Nmb Financial Corp (NMBF) currently trades at $22.25, while our model-based Fair Value estimate is $22.06, implying the stock looks roughly 0.9% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $26.52 per share, and 3 of the 6 models we run sit above the $22.25 price.
Bear case: the Dividend Discount group reads lowest at $6.46, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Nmb Financial Corp reported revenue of $59.2M in FY2025 versus $24.2M in FY2021, a compound +25.0%/yr. Reported net income was $10.9M in FY2025, compounding +7.1%/yr from FY2021.
Key figures
Market cap $119M · P/E ratio 12.9 · P/S ratio 2.38 · EPS (TTM) $1.72 · Net margin 18.4% · Return on assets (EBIT) 1.6% · Free cash flow $9.4M · Net cash $146M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −1%, NMBF screens cheaper than that median.
Fair Value models
Bear $22.06Fair Value $22.06Bull $22.06
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.26 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.Evidence ⓘEvidence = 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.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+4.9%
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.
+32.2%
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.
+27.3%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘ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.
+10.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.8%
Dividend (yield on the price)0.0%
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.26% → 26%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
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 · 1076 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside−1% · Above median
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)18% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Nmb Financial Corp (NMBF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $22.06 versus a price of $22.25, about −1% upside (fairly valued).
What is the fair value of NMBF?
Our model-based fair value for Nmb Financial Corp is $22.06 (as of Sep 24, 2026), built from audited fundamentals. The current price: $22.25.
What is the quality score of NMBF?
Nmb Financial Corp has a Quality Score of 56/100. 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 Nmb Financial Corp (NMBF)?
Our model-based price target is the fair value of $22.06 (as of Sep 24, 2026) from 6 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Nmb Financial Corp stock forecast for 2026?
Our models put fair value at $22.06, about −1% upside versus a price of $22.25 (fairly valued). The calculation is refreshed regularly with new filings.
What growth is priced into Nmb Financial Corp (NMBF)?
For today's price to be fair in a discounted-cash-flow model, Nmb Financial Corp would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +27.3 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of NMBF use?
Our models discount Nmb Financial Corp at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Nmb Financial Corp that is less than minus 40 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Nmb Financial Corp (NMBF) delivered so far?
Over the past 5 years revenue at Nmb Financial Corp grew +27.3 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Nmb Financial Corp (NMBF) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Nmb Financial Corp (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Nmb Financial Corp (NMBF)?
The free-cash-flow yield on the price is 7.90 %: that much free cash flow Nmb Financial Corp produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Nmb Financial Corp (NMBF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Nmb Financial Corp it is $22.06 per share (as of Sep 24, 2026), against a price of $22.25. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Nmb Financial Corp stock overvalued or undervalued in 2026?
As of Sep 24, 2026, NMBF trades above its calculated fair value: price $22.25, fair value $22.06, a gap of about −1% (fairly valued). 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 NMBF?
No. The price is what the market pays today ($22.25); the fair value is what the company's own numbers justify ($22.06). For Nmb Financial Corp the two are $0.1900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Nmb Financial Corp worth?
The market values Nmb Financial Corp at about $119M (market capitalisation, as of Sep 24, 2026). Per share that is $22.25; our models calculate a fair value of $22.06 per share.
What is the P/E ratio of NMBF?
Nmb Financial Corp trades at a price-to-earnings ratio of 12.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.06 is built from several models across several years. Other multiples: P/B 0.7.
How far is NMBF from its 52-week high?
Nmb Financial Corp trades at $22.25, at its 52-week high of $22.25 and 44% above the low of $15.48 (as of Sep 21, 2026). Distance from the high says nothing about value: that is what the fair value of $22.06 is for.
Which stocks are comparable to Nmb Financial Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Nmb Financial Corp stock attractive at the current price?
The data as of Sep 24, 2026: price $22.25, calculated fair value $22.06 (−1%), Quality Score 56/100, 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 NMBF calculated?
We run Nmb Financial Corp through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $22.06, 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 13.0 % above its aggregate fair value. Nmb Financial Corp 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 Nmb Financial Corp (NMBF)?
The closing price on Sep 21, 2026 was $22.25. Our model-based fair value is $22.06, about −1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Nmb Financial Corp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Nmb Financial Corp
How large is the market capitalisation of Nmb Financial Corp (NMBF)?
The market capitalisation of Nmb Financial Corp is $119M. 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 Nmb Financial Corp (NMBF)?
The price-to-sales ratio of Nmb Financial Corp is 2.38 (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 Nmb Financial Corp (NMBF)?
Earnings per share at Nmb Financial Corp are $1.72 (price ÷ EPS = P/E 12.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Nmb Financial Corp (NMBF)?
The net margin of Nmb Financial Corp is 18.4% (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 EBIT return on assets of Nmb Financial Corp (NMBF)?
On an EBIT basis the return on assets of Nmb Financial Corp is 1.6% (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 much net cash does Nmb Financial Corp (NMBF) hold?
Nmb Financial Corp holds more cash than debt, $146M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 24, 2026