North Dallas Bank & Trust Co (NODB) Fair Value & Analysis

Financial Services · US · Market cap $163M

Below-average quality, and screening another 35% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($54.47). The favourable scenario is already priced in.
• Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $42.95 – $81.02 · fair‑value band $32.68 – $54.47 · the $66.55 price screens above the $43.57 fair value. Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

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Analysis

North Dallas Bank & Trust Co (NODB) currently trades at $66.55, while our model-based Fair Value estimate is $43.57, implying the stock looks roughly 34.5% overvalued today. The Quality Score stands at 47/100 (below-average 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).

Over the trailing twelve months, North Dallas Bank & Trust Co generated revenue of $49.4M at a net margin of 18.4%. Revenue grew 10.0% year over year. It earns a return on equity of 4.7%. The balance sheet holds a net cash position of $243M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $32.68 (bear case) to $54.47 (bull case); at $66.55, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 7% below its 52-week high and 23% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -35%, NODB screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based ($47.85) versus Dividend Discount ($4.43). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

North Dallas Bank & Trust Co. operates as an independent community bank in Texas. 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 …

Full company description

North Dallas Bank & Trust Co. operates as an independent community bank in Texas. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

NODB screens 35% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.