EN DE
Watch New Tripoli Bancorp Inc for free: we tell you when fair value or trend changes.
Data-driven stock valuation

New Tripoli Bancorp Inc (NTBP) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of New Tripoli Bancorp Inc stock $855, price $977, that is 12.4% below the price, quality 55 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

NT New Tripoli Bancorp Inc logo Some data Nov 8, 2026

New Tripoli Bancorp Inc

NTBP · US
Solid, but expensive

Our calculation puts a fair price 12% below what the stock costs today.

Highly profitable · 22.2% net margin (FY2024)
Quality 55/100
Moderate moat 58/100 · thin data
Some data
Fair value $855.19 · Overvalued
Weak Growth (revenue 3y −7.4 %/yr in USD)
Trails peers (1/12)
⚠ Thinly traded
Watch New Tripoli Bancorp Inc for free: we tell you when fair value or trend changes. Watch for free

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

$1,459 $619.71 Fair Value $855.19 Oct 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $619.71 – $1,459 · fair‑value band $641.39 – $1,069 · the $976.56 price screens above the $855.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

Follow New Tripoli Bancorp in your weekly email

Every Wednesday you see whether New Tripoli Bancorp 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.

Which stocks are undervalued right now? Check free Discover now →

Company profile

New Tripoli Bancorp, Inc. operates as the bank holding company for New Tripoli Bank that provides personal and business banking products and services.

Show moreShow less

The company offers checking and savings, individual retirement, and money market accounts, as well as certificates of deposit; personal, home, auto, recreational vehicle, term, commercial mortgage, and interest-only demand loans, as well as commercial credit lines and debit and credit cards.

It also provides cash management and investment, and online and mobile banking services. The company was founded in 1910 and is based in New Tripoli, Pennsylvania.

Stock analysis

New Tripoli Bancorp Inc (NTBP) currently trades at $976.56, while our model-based Fair Value estimate is $855.19, 12% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $855.19 per share, and 1 of the 6 models we run sit above the $976.56 price.

Bear case: the Dividend Discount group reads lowest at $312.15, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $641.39 (bear) to $1,069 (bull), the price of $976.56 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 55/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

New Tripoli Bancorp Inc reported revenue of $15.8M in FY2024 versus $17.3M in FY2020, a compound −2.2%/yr. Reported net income was $3.5M in FY2024, compounding −12.8%/yr from FY2020.

Key figures

Market cap $61.6M Micro · P/E ratio 19.1 · P/S ratio 4.24 · EPS (TTM) $51.01 · Net margin 22.2% · Return on assets (EBIT) 1.1% (5-year average) · Free cash flow $3.3M · Net cash $12.8M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (low confidence).

What moves the price

The share trades about 25% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −12%, NTBP screens cheaper than that median.

Fair Value models

Bear $641.39 Fair Value $855.19 Bull $1,069
Price $976.56 · Downside -12.4%
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 2024 figures (about 12 months old). Earnings retained since then ($51.01 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 $535.20 $560.13 $602.41 73
Gordon GGM $281.13 $300.11 $328.03 67
DDM Multi-Stage $281.13 $324.19 $377.72 65
All 6 models by family
Dividend Discount
Gordon GGM $281.13 $300.11 $328.03 67
DDM Multi-Stage $281.13 $324.19 $377.72 65
Multiples
P/E Multiple $542.39 $723.19 $903.99 63
P/B Multiple $740.38 $987.18 $1,234 55
Asset-Based
NCAV (Graham) $352.56 $472.43 $705.13 51
Economic Profit
Residual Income $535.20 $560.13 $602.41 73

Open the full fair value analysis →

Quality Score breakdown

Overall quality 55/100

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

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 30
Are margins and returns getting better?
Cashflow 75
Do the profits arrive as real cash?
Financial strength 7
Debt, balance sheet and risk of trouble
Investment 96
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 29
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 34
Distance to the 52-week high, does not count
New shares 84
Buys back shares or issues new ones?

Open the full quality analysis →

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. 38/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−5.0%
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.
−7.4%
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.
−10.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−10.3%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2024 ⓘ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.41% → 31%

NTBP screens overvalued: fair value 12% below the price. Compare with China Merchants Bank Co →

Compare New Tripoli Bancorp Inc 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 · 996 stocks

Beats the industry median on 1/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 55 · Below median
Fair Value upside −12.4% · Above median
Profitability
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 22.2% · 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) 19.1× · Priciest 25%
P/B 1.38× · Pricier than median
Price / free cash flow (fiscal year) 18.4× · Priciest 25%
EV/EBITDA 11.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)17 · 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 NTBP
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs NTBP
BNP Paribas SA BNP €91.93 €106.01 +15% vs NTBP
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs NTBP
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs NTBP
UniCredit S.p.A UCG €76.80 €50.44 −34% vs NTBP
Mizuho Financial Group MFG $9.40 $5.89 −37% vs NTBP
DBS Group D05 69.72 SGD 40.39 SGD −42% vs NTBP
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs NTBP
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs NTBP

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

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.

New Tripoli Bancorp Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "New Tripoli Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/NTBP

Frequently asked questions

Is New Tripoli Bancorp Inc (NTBP) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $855.19 versus a price of $976.56, about 12% lower (overvalued).
What is the fair value of NTBP?
Our model-based fair value for New Tripoli Bancorp Inc is $855.19 (as of Nov 8, 2026), built from audited fundamentals. The current price: $976.56.
What is the quality score of NTBP?
New Tripoli Bancorp Inc has a Quality Score of 55/100. 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 New Tripoli Bancorp Inc (NTBP)?
Our model-based price target is the fair value of $855.19 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $641.39, optimistic scenario $1,069. It is a calculation from audited fundamentals, not an analyst target.
What is the New Tripoli Bancorp Inc stock forecast for 2026?
Our models put fair value at $855.19, about 12% lower versus a price of $976.56 (overvalued). Cautious scenario $641.39, optimistic scenario $1,069. The calculation is refreshed regularly with new filings.
What is the intrinsic value of New Tripoli Bancorp Inc (NTBP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For New Tripoli Bancorp Inc it is $855.19 per share (as of Nov 8, 2026), against a price of $976.56. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is New Tripoli Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, NTBP trades above its calculated fair value: price $976.56, fair value $855.19, a gap of about −12% (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 NTBP?
No. The price is what the market pays today ($976.56); the fair value is what the company's own numbers justify ($855.19). For New Tripoli Bancorp Inc the two are $121.37 per share apart. That gap is exactly why we show both numbers side by side.
How much is New Tripoli Bancorp Inc worth?
The market values New Tripoli Bancorp Inc at about $61.6M (market capitalisation, as of Nov 8, 2026). Per share that is $976.56; our models calculate a fair value of $855.19 per share.
What do the bullish and bearish scenarios say about NTBP?
Our models span a range for New Tripoli Bancorp Inc: cautious scenario $641.39, base $855.19, optimistic $1,069 per share (as of Nov 8, 2026, price $976.56). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NTBP?
New Tripoli Bancorp Inc trades at a price-to-earnings ratio of 19.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $855.19 is built from several models across several years. Other multiples: P/B 1.4, EV/EBITDA 11.9.
How far is NTBP from its 52-week high?
New Tripoli Bancorp Inc trades at $976.56, about 25% below its 52-week high of $1,300 and 3% above the low of $948.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $855.19 is for.
Which stocks are comparable to New Tripoli Bancorp Inc?
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 New Tripoli Bancorp Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $976.56, calculated fair value $855.19 (−12%), Quality Score 55/100, 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 NTBP calculated?
We run New Tripoli Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $855.19 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. New Tripoli Bancorp Inc 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 New Tripoli Bancorp Inc (NTBP)?
The closing price on Nov 6, 2026 was $976.56. Our model-based fair value is $855.19, about 12% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with New Tripoli Bancorp Inc right now?
Solid but not exceptional quality (55/100) 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.

Key figures of New Tripoli Bancorp Inc

How large is the market capitalisation of New Tripoli Bancorp Inc (NTBP)?
The market capitalisation of New Tripoli Bancorp Inc is $61.6M. 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 New Tripoli Bancorp Inc (NTBP)?
The price-to-sales ratio of New Tripoli Bancorp Inc is 4.24 (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 New Tripoli Bancorp Inc (NTBP)?
Earnings per share at New Tripoli Bancorp Inc are $51.01 (price ÷ EPS = P/E 19.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of New Tripoli Bancorp Inc (NTBP)?
The net margin of New Tripoli Bancorp Inc is 22.2% (fiscal year 2024). 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 New Tripoli Bancorp Inc (NTBP)?
On an EBIT basis the return on assets of New Tripoli Bancorp Inc is 1.1% (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 New Tripoli Bancorp Inc (NTBP) generate?
The free cash flow of New Tripoli Bancorp Inc is $3.3M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does New Tripoli Bancorp Inc (NTBP) hold?
New Tripoli Bancorp Inc holds more cash than debt, $12.8M net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch New Tripoli Bancorp Inc in the live analysis

One click puts New Tripoli Bancorp Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.