NBC Bancorp, Inc. (NCXS) Stock Analysis
DELISTED 2026
What happened to NBC Bancorp, Inc. (NCXS) stock?
NBC Bancorp, Inc. (NCXS) no longer trades on public markets. It was delisted in April 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
NBC Bancorp, Inc. (NCXS) trades at $60.99. NBC Bancorp, Inc. is a regional financial services provider based in Coxsackie, New York, operating through its subsidiary, National Bank of Coxsackie. Market cap: $28.9M, Sector: Financial services.
Last analyzed: Jun 14, 2026Analyst Coverage for NCXS: NCXS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates NCXS against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
NBC Bancorp, Inc. (NCXS) Financial Services Profile
NBC Bancorp, Inc. operates as a community bank, providing a diverse array of financial products and services primarily within the regional market, emphasizing strong customer relationships and tailored solutions for both individuals and businesses.
What Is the Investment Thesis for NCXS?
NBC Bancorp, Inc. operates in a niche market as a community bank, providing essential financial services to individuals and businesses. The bank's focus on personalized customer service and local market knowledge enhances its competitive position. With a market capitalization of $28.9M and a P/E ratio of 41.22, the bank's profit margin stands at 6.6%, indicating efficient operations. Growth catalysts include an expanding loan portfolio and increasing demand for local banking services. However, the absence of a dividend yield may deter some investors. As the financial landscape evolves, NBC Bancorp's ability to adapt to digital banking trends and maintain strong customer relationships will be critical for its sustained growth.
Based on FMP financials and quantitative analysis
NCXS Key Highlights
Market capitalization of $28.9M highlights its position as a smaller regional bank.
- P/E ratio of 41.22 suggests a premium valuation relative to earnings.
- Profit margin of 6.6% indicates effective cost management and operational efficiency.
- Gross margin of 100.0% reflects the bank's strong revenue generation from financial services.
- Beta of 0.11 suggests low volatility compared to the broader market.
Who Are NCXS's Competitors?
NCXS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BANC Banc of California, Inc. | $18.86 | -0.40% | $2.90B | — |
| FNCB FNCB Bancorp, Inc. | $6.75 | +5.30% | $134M | 58 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NCXS's Key Strengths?
Long-standing history and established brand recognition in the community.
- Diverse range of financial products catering to both individuals and businesses.
- Strong customer relationships due to personalized service.
What Are NCXS's Weaknesses?
Limited geographic reach compared to larger national banks.
- Higher risk profile associated with trading on the OTC market.
- Absence of a dividend may deter certain investors.
What Could Drive NCXS Stock Higher?
Expansion of digital banking services to attract a younger demographic.
- Strong customer relationships fostering loyalty and repeat business.
- Increased demand for small business loans in the local market.
What Are the Key Risks for NCXS?
Financial-distress signal — its Altman Z-Score of 0.11 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns impacting loan performance and deposit growth.
- Regulatory changes that could affect operational flexibility.
- Intense competition from larger banks and fintech companies.
What Are the Growth Opportunities for NCXS?
- Expansion of Loan Products: NBC Bancorp can capitalize on the growing demand for various loan products, particularly in the vehicle and real estate sectors. The U.S. auto loan market is expected to reach $1.5 trillion by 2027, and with the bank's existing offerings, it can increase its market share by targeting local customers seeking financing options.
- Digital Banking Services: The rise of digital banking presents a significant growth opportunity for NBC Bancorp. By enhancing its online and mobile banking capabilities, the bank can attract tech-savvy customers and streamline operations. The digital banking market is projected to grow at a CAGR of 10% through 2028, providing a clear path for NBC Bancorp to expand its customer base.
- Small Business Lending: With a focus on community businesses, NBC Bancorp can tap into the increasing demand for small business loans.
- Real Estate Financing Growth: As the housing market continues to recover, NBC Bancorp can benefit from increased demand for mortgages and home equity loans. The U.S. mortgage market is projected to grow to $4 trillion by 2026, providing ample opportunities for the bank to expand its real estate financing portfolio.
- Community Engagement Initiatives: By enhancing its community involvement and support for local initiatives, NBC Bancorp can strengthen customer loyalty and attract new clients. Community-focused marketing strategies can lead to increased deposits and loan applications, positioning the bank as a trusted financial partner.
What Are NCXS's Competitive Advantages?
- Strong community presence fosters customer loyalty and trust.
- Tailored financial products meet the specific needs of local customers.
- Established reputation as a local bank with over 170 years of service.
- Low competition in the immediate market area enhances customer retention.
What Does NCXS Do?
NBC Bancorp, Inc., founded in 1852, serves as the parent company for the National Bank of Coxsackie, which is headquartered in Coxsackie, New York. The bank has a long-standing tradition of providing a comprehensive suite of financial products and services to its customers across the United States. Over the years, NBC Bancorp has evolved to meet the changing needs of its clientele, focusing on both individual and business banking solutions. The bank offers a variety of deposit accounts including standard checking and savings accounts, specialized accounts for young adults, and seasonal Christmas club savings. For borrowing needs, NBC Bancorp provides an extensive range of loan options, including vehicle financing, personal loans, and real estate financing such as traditional mortgages and home equity loans. Additionally, the bank supports local businesses with tailored financial solutions, including small business loans and flexible lines of credit. NBC Bancorp also emphasizes the importance of digital banking, offering comprehensive online and mobile banking capabilities, along with essential services such as cash management and merchant services. This regional focus allows NBC Bancorp to foster strong relationships with its customers, positioning itself as a trusted community bank in its service area.
What Products and Services Does NCXS Offer?
- Provide a range of deposit accounts including checking and savings.
- Offer various loan products such as vehicle financing and personal loans.
- Facilitate real estate financing options including mortgages and home equity loans.
- Support businesses with tailored financial solutions like small business loans.
- Deliver digital banking services through online and mobile platforms.
- Offer cash management and merchant services to business clients.
- Provide secure safe deposit box services for customers.
How Does NCXS Make Money?
- Generate revenue through interest income from loans and fees from deposit accounts.
- Facilitate transactions and earn fees through merchant services.
- Offer financial advisory services and other banking products to customers.
- Leverage community relationships to drive customer acquisition and retention.
What Industry Does NCXS Operate In?
The regional banking sector is characterized by a focus on community engagement and personalized service, differentiating itself from larger national banks. As of 2026, the U.S. regional banking market is projected to grow steadily, driven by increasing consumer demand for local banking solutions and personalized financial services. NBC Bancorp, Inc. fits within this landscape by emphasizing its local roots and strong customer relationships. The competitive landscape includes both other regional banks and larger institutions, but NBC Bancorp's tailored offerings position it well to capture market share in its service area.
Who Are NCXS's Key Customers?
- Individuals seeking personal banking services and loans.
- Small to medium-sized businesses requiring financial solutions.
- Local residents interested in community banking options.
- Homebuyers and property owners needing real estate financing.
Company Profile
NBC Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Coxsackie, US. The company is led by CEO John A. Balli. NCXS has traded publicly since 2012.
NBC Bancorp, Inc. (NCXS) Valuation Context
Valued at $28.9M, NCXS is classified as a micro-cap stock.
Key Financial Metrics
Return on equity for NBC Bancorp, Inc. stands at 2.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.1%, showing how much profit it generates from its asset base. NCXS trades at a trailing price-to-earnings ratio of 41.22, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 2.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
NBC Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.11 places it in the distress zone, a signal of elevated financial risk.
NCXS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Long-standing history and established brand recognition in the community.
- Diverse range of financial products catering to both individuals and businesses.
- Strong customer relationships due to personalized service.
- Upcoming: Expansion of digital banking services to attract a younger demographic.
Bear Case
- Limited geographic reach compared to larger national banks.
- Higher risk profile associated with trading on the OTC market.
- Absence of a dividend may deter certain investors.
- Potential: Economic downturns impacting loan performance and deposit growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
NCXS Latest News
No recent news available for NCXS.
Leadership: John A. Balli
CEO
John A. Balli has been leading NBC Bancorp, Inc. with a focus on community banking and customer service. With a background in finance and over two decades of experience in the banking sector, he has held various leadership roles that have shaped his strategic vision for the bank. Balli's educational credentials include a degree in Business Administration, which underpins his expertise in financial management and operations.
Track Record: Under John A. Balli's leadership, NBC Bancorp has expanded its loan offerings and improved customer service initiatives, resulting in increased customer satisfaction and retention. His strategic decisions have positioned the bank for growth in a competitive regional banking landscape.
NCXS OTC Market Information
The OTC Other tier indicates that NBC Bancorp, Inc. operates with less stringent reporting requirements compared to stocks listed on major exchanges like NYSE or NASDAQ. This can lead to lower liquidity and transparency, making it essential for investors to conduct thorough due diligence.
- OTC Tier: OTC Other
- Limited liquidity may impact the ability to buy or sell shares quickly.
- Potential for higher volatility due to lower trading volumes.
- Less regulatory oversight compared to stocks on major exchanges.
- Review recent financial statements and performance metrics.
- Examine the bank's loan portfolio quality and risk management practices.
- Assess the competitive landscape and market positioning.
- Monitor news for any regulatory changes affecting the bank.
- Evaluate customer satisfaction and community engagement efforts.
- Established history since 1852 indicates a long-term presence in the market.
- Active engagement with the local community enhances credibility.
- Transparent communication of financial performance and initiatives.
Common Questions About NCXS (Financial Services)
What happened to NBC Bancorp, Inc. (NCXS) stock?
NBC Bancorp, Inc. (NCXS) no longer trades on public markets. It was delisted in April 2026. The figures below are historical and are not a current quote.
Can I still buy NCXS shares?
No. NCXS stopped trading on public markets in April 2026, so the shares are not available through a broker. Anything you see quoted for NCXS elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before NCXS stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to NBC Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does NBC Bancorp, Inc. do?
NBC Bancorp, Inc. operates as a community bank providing a variety of financial products and services, including deposit accounts, loans, and digital banking solutions. Its subsidiary, National Bank of Coxsackie, serves individuals and businesses primarily in the regional market, focusing on personalized customer service and tailored financial solutions.
What are the main risks for NCXS?
NBC Bancorp, Inc. faces several risks, including economic downturns that could negatively impact loan performance and deposit growth. Additionally, the bank operates in a competitive environment with larger banks and fintech companies, which may affect its market share. Regulatory changes also pose a risk, potentially impacting the bank's operational flexibility and compliance requirements.
How is NBC Bancorp, Inc. adapting to fintech disruption?
NBC Bancorp, Inc. is responding to fintech disruption by enhancing its digital banking services, aiming to attract tech-savvy customers. The bank is investing in online and mobile banking capabilities to streamline operations and improve customer experience. By focusing on community engagement and personalized service, NBC Bancorp seeks to differentiate itself from fintech competitors.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on current financial metrics and company information available as of June 2026.