North Dallas Bank & Trust Co (NODB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of North Dallas Bank & Trust Co $48.81, price $67.00, upside -27.2%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch North Dallas Bank & Trust Co for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $42.95 – $81.02 · fair‑value band $37.15 – $61.92 · the $67.00 price screens above the $48.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow North Dallas Bank & Trust Co in your weekly email
Every Wednesday you see whether North Dallas Bank & Trust Co is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
North Dallas Bank & Trust Co. operates as an independent community bank in Texas.
Show more
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.
Stock analysis
North Dallas Bank & Trust Co (NODB) currently trades at $67.00, while our model-based Fair Value estimate is $48.81, implying the stock looks roughly 37.3% overvalued today.
Show more
Valuation
Bull case: the Asset-Based group reads highest at a median of $47.85 per share, and 0 of the 6 models we run sit above the $67.00 price.
Bear case: the Multiples group reads lowest at $43.57, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $37.15 (bear) to $61.92 (bull), the price of $67.00 sits above 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 $172M · P/E ratio 20.0 · P/S ratio 1.91 · EPS (TTM) $3.35 · Dividend yield 0.4% · Net margin 9.5% · Return on equity 4.7% · Return on assets (EBIT) 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 17% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −27%, NODB screens cheaper than that median.
Fair Value models
Bear $37.15Fair Value $48.81Bull $61.92
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 ($2.24 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.55/100
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%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
−8.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.5%
Dividend (yield on the price)0.4%
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% vs 3%, 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.
Free, no sign-up
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 · 1074 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−27% · Below median
Profitability
Return on equity (TTM)5% · Bottom 25%
Return on assets1% · Bottom 25%
Net margin (TTM)18% · Bottom 25%
Operating margin (TTM)40% · Above median
Growth and dividend
Revenue growth10% · Above median
Dividend yield (TTM)0.4% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)20.0× · Priciest 25%
P/B0.94× · Cheaper than median
P/S (TTM)3.49× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)50· sector 45
PAST (return on equity)19· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)9· sector 53
VALUE 0: the price sits above our fair-value range.
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 Sep 23, 2026, our model estimates a fair value of $48.81 versus a price of $67.00, about −27% upside (overvalued).
What is the fair value of NODB?
Our model-based fair value for North Dallas Bank & Trust Co is $48.81 (as of Sep 23, 2026), built from audited fundamentals. The current price: $67.00.
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 Sep 23, 2026) from 6 valuation models. Cautious scenario $37.15, optimistic scenario $61.92. 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 −27% upside versus a price of $67.00 (overvalued). Cautious scenario $37.15, optimistic scenario $61.92. 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 $49.4M (latest available figure, as of Sep 23, 2026).
Does North Dallas Bank & Trust Co pay a dividend?
North Dallas Bank & Trust Co currently shows a dividend yield of about 0.45% relative to its recent price (as of Sep 23, 2026).
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 Sep 23, 2026), against a price of $67.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is North Dallas Bank & Trust Co stock overvalued or undervalued in 2026?
As of Sep 23, 2026, NODB trades above its calculated fair value: price $67.00, fair value $48.81, a gap of about −27% (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 ($67.00); the fair value is what the company's own numbers justify ($48.81). For North Dallas Bank & Trust Co the two are $18.19 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 $172M (market capitalisation, as of Sep 23, 2026). Per share that is $67.00; 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 $37.15, base $48.81, optimistic $61.92 per share (as of Sep 23, 2026, price $67.00). 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 20.0 (as of Sep 23, 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. Other multiples: P/B 0.9, P/S 3.5.
How solid is the balance sheet of North Dallas Bank & Trust Co (NODB)?
Balance-sheet figures for North Dallas Bank & Trust Co (as of Sep 23, 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 $67.00, about 6% below its 52-week high of $71.39 and 17% above the low of $57.23 (as of Sep 23, 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 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 North Dallas Bank & Trust Co stock attractive at the current price?
The data as of Sep 23, 2026: price $67.00, calculated fair value $48.81 (−27%), 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 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 $48.81, 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 14.1 % 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 Sep 23, 2026 was $67.00. Our model-based fair value is $48.81, about −27% upside (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?
The price sits above even our optimistic bull case ($61.92). 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.
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 $172M. 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 1.91 (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 $3.35 (price ÷ EPS = P/E 20.0). 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 0.4% (payout 9.0%). 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.
What is the operating margin of North Dallas Bank & Trust Co (NODB)?
The operating margin of North Dallas Bank & Trust Co is 40.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at North Dallas Bank & Trust Co (NODB)?
Revenue at North Dallas Bank & Trust Co is growing +10.0% 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 −98.6% 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.
Free · no account needed
Watch North Dallas Bank & Trust Co in the live analysis
One click puts North Dallas Bank & Trust Co on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Some data
Sep 23, 2026