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Nmb Financial Corp (NMBF) fair value: what the stock is really worth

As of Oct 28, 2026: fair value (intrinsic value) of Nmb Financial Corp stock $22.06, price $22.85, that is 3.5% below the price, quality 60 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

NF Nmb Financial Corp logo Some data Nov 9, 2026

Nmb Financial Corp

NMBF · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Quality 60/100
Healthy Growth (revenue 5y +27.3 %/yr in USD)
Solidly profitable · 18.4% net margin (FY2025)
Fair value $22.06 · Fairly valued
Moderate moat 46/100
Some data
Trails peers (4/11)
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$22.85 $1.55 Fair Value $22.06 Mar 2018 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $1.55 – $22.85 · fair‑value band $22.06 – $23.30 · the $22.85 price screens above the $22.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

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.

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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 $22.85, while our model-based Fair Value estimate is $22.06, so the stock looks roughly fairly valued today (gap 3.6%).

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Valuation

Bull case: the Multiples group reads highest at a median of $34.94 per share, and 2 of the 6 models we run sit above the $22.85 price.

Bear case: the Dividend Discount group reads lowest at $6.49, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $22.06 (bear) to $23.30 (bull), the price of $22.85 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 60/100 (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 $122M Micro · P/E ratio 13.3 · P/S ratio 2.45 · EPS (TTM) $1.72 · Net margin 18.4% · Return on assets (EBIT) 1.6% (5-year average) · Free cash flow $9.4M · Net cash $146M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and 47% 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 −3%, NMBF screens cheaper than that median.

Fair Value models

Bear $22.06 Fair Value $22.06 Bull $23.30
Price $22.85 · Downside -3.5%
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 ($1.48 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.
Best data coverage
Residual Income $22.11 $22.06 $23.30 76
Gordon GGM $4.00 $6.64 $8.56 68
DDM Multi-Stage $4.00 $6.33 $7.15 67
All 6 models by family
Dividend Discount
Gordon GGM $4.00 $6.64 $8.56 68
DDM Multi-Stage $4.00 $6.33 $7.15 67
Multiples
P/E Multiple $19.89 $26.52 $33.15 63
P/B Multiple $32.51 $43.35 $54.19 55
Asset-Based
NCAV (Graham) $15.48 $20.75 $30.96 51
Economic Profit
Residual Income $22.11 $22.06 $23.30 76

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Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 65
Are margins and returns getting better?
Cashflow 64
Do the profits arrive as real cash?
Financial strength 51
Debt, balance sheet and risk of trouble
Investment 78
Does it invest with discipline instead of growing at any price?
Low Volatility 35
How calm the share price moves, does not count
Price momentum 80
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 100
Distance to the 52-week high, does not count
New shares 76
Buys back shares or issues new ones?

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Revenue & earnings trend

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)
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%

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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 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside −3.5% · Above median
Profitability
Return on assets 1.1% · Above median
Net margin (12 months) 18.4% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 0.0% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.3× · Pricier than median
P/B 0.74× · Cheapest 25%
Price / free cash flow (fiscal year) 13.0× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)29 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs NMBF
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs NMBF
BNP Paribas SA BNP €91.93 €106.01 +15% vs NMBF
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs NMBF
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs NMBF
UniCredit S.p.A UCG €76.80 €50.44 −34% vs NMBF
Mizuho Financial Group MFG $9.40 $5.89 −37% vs NMBF
DBS Group D05 69.72 SGD 40.39 SGD −42% vs NMBF
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs NMBF
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs NMBF

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Nmb Financial Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Nmb Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/NMBF

Frequently asked questions

Is Nmb Financial Corp (NMBF) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $22.06 versus the last price from Oct 28, 2026 of $22.85, about 3% lower (fairly valued).
What is the fair value of NMBF?
Our model-based fair value for Nmb Financial Corp is $22.06 (as of Nov 9, 2026), built from audited fundamentals. Last price (from Oct 28, 2026): $22.85.
What is the quality score of NMBF?
Nmb Financial Corp has a Quality Score of 60/100. 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 Nov 9, 2026) from 6 valuation models. Cautious scenario $22.06, optimistic scenario $23.30. 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 3% lower versus the last price from Oct 28, 2026 of $22.85 (fairly valued). Cautious scenario $22.06, optimistic scenario $23.30. The calculation is refreshed regularly with new filings.
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 Nov 9, 2026), against a price of $22.85. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Nmb Financial Corp stock overvalued or undervalued in 2026?
As of Nov 9, 2026, NMBF trades above its calculated fair value: price $22.85, fair value $22.06, a gap of about −3% (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 ($22.85); the fair value is what the company's own numbers justify ($22.06). For Nmb Financial Corp the two are $0.7900 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 $122M (market capitalisation, as of Nov 9, 2026). Per share that is $22.85; our models calculate a fair value of $22.06 per share.
What do the bullish and bearish scenarios say about NMBF?
Our models span a range for Nmb Financial Corp: cautious scenario $22.06, base $22.06, optimistic $23.30 per share (as of Nov 9, 2026, price $22.85). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NMBF?
Nmb Financial Corp trades at a price-to-earnings ratio of 13.3 (as of Nov 9, 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. Median P/E at fiscal year-end, 5 fiscal years (2020 to 2025), reported earnings: 6.8. Other multiples: P/B 0.7.
How far is NMBF from its 52-week high?
Nmb Financial Corp trades at $22.85, at its 52-week high of $22.85 and 47% above the low of $15.52 (as of Nov 6, 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 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 Nmb Financial Corp stock attractive at the current price?
The data as of Nov 9, 2026: price $22.85, calculated fair value $22.06 (−3%), Quality Score 60/100, 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 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $22.06 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. 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 latest price we hold is from Oct 28, 2026 and stands at $22.85. Our model-based fair value is $22.06, about 3% lower (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. The models converge in a tight band ($22.06 to $23.30), unusually little disagreement for a valuation. 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 $122M. 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 2.45 (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 13.3). 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 free cash flow does Nmb Financial Corp (NMBF) generate?
The free cash flow of Nmb Financial Corp is $9.4M (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 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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