New Tripoli Bancorp, Inc. (NTBP) Stock Analysis
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.
New Tripoli Bancorp, Inc. (NTBP) trades at $1275.00. New Tripoli Bancorp, Inc. Market cap: $80.4M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for NTBP: NTBP 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 NTBP against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on NTBP.
How is this calculated? →New Tripoli Bancorp, Inc. (NTBP) Financial Services Profile
New Tripoli Bancorp, Inc., a regional bank holding company for New Tripoli Bank, provides traditional banking services including checking, savings, and loan products to individuals and businesses. With a market capitalization of $80.4M and a dividend yield of 3.50%, the company operates primarily in Pennsylvania.
What Is the Investment Thesis for NTBP?
New Tripoli Bancorp, Inc. presents a traditional banking model with a focus on community-based financial services. With a market capitalization of $80.4M and a P/E ratio of 21.57, the company demonstrates a modest valuation within the regional banking sector. The dividend yield of 3.50% may attract income-focused investors. Growth catalysts include potential expansion of its loan portfolio and increased adoption of its online and mobile banking services. However, the company faces potential risks related to regulatory compliance, interest rate fluctuations, and competition from larger regional and national banks. Investors should carefully consider these factors when evaluating NTBP.
Based on FMP financials and quantitative analysis
NTBP Key Highlights
Market capitalization of $80.4M indicates a small-cap regional bank.
- P/E ratio of 21.57 suggests the stock is trading near its earnings potential.
- Profit margin of 22.2% reflects efficient operations and profitability.
- Gross margin of 100.0% indicates a strong ability to manage costs associated with its financial products.
- Dividend yield of 3.50% offers an income stream for investors.
Who Are NTBP's Competitors?
NTBP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CULL Cullman Bancorp, Inc. | $16.60 | +2.03% | $95.4M | 49 |
| DWNX Delhi Bank Corp. | $21.21 | +0.05% | $71.6M | 53 |
| JBTC JBT Bancorp Inc. | $40.40 | +0.00% | $98.3M | 56 |
| JUVF Juniata Valley Financial Corp. | $16.50 | +0.00% | $83.0M | 53 |
| MBOF Marine Bancorp of Florida, Inc. | $43.75 | +0.00% | $80.0M | 45 |
| 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 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NTBP's Key Strengths?
Long-standing history and established presence in the local community.
- Strong customer relationships and personalized service.
- Stable deposit base and access to local funding sources.
- Experienced management team with local market expertise.
What Are NTBP's Weaknesses?
Limited geographic reach and dependence on the local economy.
- Smaller asset base compared to larger regional and national banks.
- Limited investment in technology and digital banking services.
- Higher operating costs relative to larger competitors.
What Could Drive NTBP Stock Higher?
Expansion of digital banking services to attract new customers and enhance customer experience.
- Strategic partnerships with local businesses to increase commercial lending and generate new revenue streams.
- Diversification of loan portfolio to reduce credit risk and improve financial stability.
- Potential acquisition of smaller community banks or credit unions to expand market presence and increase asset base.
- Implementation of a robust customer relationship management (CRM) system to improve customer satisfaction and loyalty.
What Are the Key Risks for NTBP?
Increased competition from larger regional and national banks with greater resources and market reach.
- Rising interest rates and potential impact on loan demand and profitability.
- Economic downturn and potential increase in loan defaults and credit losses.
- Regulatory compliance costs and potential changes in banking regulations.
- Limited liquidity due to trading on the OTC market.
What Are the Growth Opportunities for NTBP?
- Expansion of Digital Banking Services: New Tripoli Bancorp can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, such as mobile check deposit, online bill pay, and peer-to-peer payment options. By investing in technology and improving the user experience, the company can attract new customers and retain existing ones, potentially increasing its market share within the region. Timeline: Ongoing.
- Strategic Partnerships with Local Businesses: New Tripoli Bancorp can foster stronger relationships with local businesses by offering tailored financial solutions and services. This includes providing commercial loans, lines of credit, and cash management services to meet the specific needs of businesses in its service area. By becoming a trusted financial partner for local businesses, the company can generate new revenue streams and strengthen its presence in the community. Timeline: Ongoing.
- Increase Loan Portfolio Diversification: New Tripoli Bancorp can diversify its loan portfolio by expanding into new lending segments, such as small business loans, commercial real estate loans, and agricultural loans. This diversification strategy can help reduce the company's exposure to specific industries or sectors and mitigate potential credit risks. By carefully assessing market opportunities and developing expertise in new lending areas, the company can achieve sustainable growth and improve its overall financial performance. Timeline: Ongoing.
- Enhance Customer Relationship Management: New Tripoli Bancorp can improve customer satisfaction and loyalty by implementing a robust customer relationship management (CRM) system. This system can help the company track customer interactions, identify customer needs, and provide personalized financial advice and services. By building stronger relationships with its customers, the company can increase customer retention rates and attract new customers through referrals. Timeline: Ongoing.
- Explore Acquisition Opportunities: New Tripoli Bancorp can explore potential acquisition opportunities to expand its market presence and increase its asset base. This includes acquiring smaller community banks or credit unions in neighboring areas. By carefully evaluating potential targets and conducting thorough due diligence, the company can identify strategic acquisitions that align with its growth objectives and create value for its shareholders. Timeline: Ongoing.
What Are NTBP's Competitive Advantages?
- Established presence in the local community with a history dating back to 1910.
- Strong customer relationships built on trust and personalized service.
- Local market expertise and understanding of regional economic conditions.
- Access to a stable deposit base within its service area.
What Does NTBP Do?
New Tripoli Bancorp, Inc., established in 1910, serves as the holding company for New Tripoli Bank. The bank offers a comprehensive suite of personal and business banking products and services. These include checking and savings accounts, individual retirement accounts (IRAs), and money market accounts, catering to the diverse financial needs of its customer base. The company also provides certificates of deposit (CDs) for customers seeking fixed-income investment options. On the lending side, New Tripoli Bank offers a variety of loan products, including personal loans, home loans, auto loans, and recreational vehicle loans. The bank also provides term loans, commercial mortgage loans, and interest-only demand loans to support businesses in its service area. Commercial customers can also access commercial credit lines to manage their working capital needs. To facilitate transactions, New Tripoli Bank offers both debit and credit cards. In addition to traditional banking services, New Tripoli Bancorp provides cash management and investment services to help customers optimize their financial resources. The company also offers online and mobile banking platforms, enabling customers to access their accounts and conduct transactions remotely. Headquartered in New Tripoli, Pennsylvania, the bank primarily serves the local community and surrounding areas.
What Products and Services Does NTBP Offer?
- Provides personal banking services including checking and savings accounts.
- Offers individual retirement accounts (IRAs) and money market accounts.
- Provides certificates of deposit (CDs) for fixed-income investments.
- Offers personal loans, home loans, and auto loans.
- Provides recreational vehicle loans, term loans, and commercial mortgage loans.
- Offers commercial credit lines and interest-only demand loans.
- Provides debit and credit cards for transactions.
- Offers cash management and investment services.
How Does NTBP Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services, such as account maintenance and transaction processing.
- Manages assets and liabilities to optimize profitability.
- Invests in technology and infrastructure to enhance service delivery.
What Industry Does NTBP Operate In?
New Tripoli Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Competitors include CULL (Cullen/Frost Bankers, Inc.), DWNX (Dawn Bancorp, Inc.), JBTC (JBT Community Financial Services, Inc.), JUVF (JPMorgan US Value Factor ETF), and MBOF (Mid Penn Bancorp, Inc.). These institutions compete for market share by offering similar banking products and services. Regional banks face the challenge of balancing traditional banking practices with the need to innovate and adapt to changing customer preferences and technological advancements.
Who Are NTBP's Key Customers?
- Individual consumers seeking personal banking services.
- Small businesses requiring commercial loans and credit lines.
- Local community members seeking financial advice and support.
- Retirees looking for retirement planning and investment options.
Company Profile
New Tripoli Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in New Tripoli, US. The company is led by CEO John Hayes. NTBP has traded publicly since 1999.
NTBP Valuation & Market Position
With a $80.4M market cap, New Tripoli Bancorp, Inc. sits in the micro-cap segment of the market.
Key Financial Metrics
Return on equity for New Tripoli Bancorp, Inc. stands at 7.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. NTBP trades at a trailing price-to-earnings ratio of 18.62, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 5.1%, 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 5.4%, the inverse of the P/E and a quick read on earnings relative to price.
NTBP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Long-standing history and established presence in the local community.
- Strong customer relationships and personalized service.
- Stable deposit base and access to local funding sources.
- Experienced management team with local market expertise.
Bear Case
- Limited geographic reach and dependence on the local economy.
- Smaller asset base compared to larger regional and national banks.
- Limited investment in technology and digital banking services.
- Higher operating costs relative to larger competitors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
NTBP Latest News
No recent news available for NTBP.
NTBP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NTBP.
Price Targets
Wall Street price target analysis for NTBP.
NTBP MoonshotScore
What does this score mean?
The MoonshotScore rates NTBP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: John Hayes
CEO
John Hayes serves as the CEO of New Tripoli Bancorp, Inc. His background includes extensive experience in the financial services industry, with a focus on community banking. Prior to joining New Tripoli Bancorp, Hayes held various leadership positions at regional banks, where he was responsible for overseeing lending operations, customer relationship management, and strategic planning. He holds a degree in Finance and is actively involved in community development initiatives.
Track Record: Under John Hayes' leadership, New Tripoli Bancorp has focused on maintaining a stable financial performance and strengthening its relationships with local customers. Key milestones include the implementation of new online banking services and the expansion of its commercial lending portfolio. Hayes has also emphasized the importance of community involvement and has supported local initiatives through charitable contributions and volunteer efforts.
NTBP OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that New Tripoli Bancorp may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and regulatory oversight compared to those listed on major exchanges such as the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Higher potential for fraud and manipulation.
- Lower trading volume and liquidity.
- Greater price volatility.
- Limited regulatory oversight.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's OTC Markets profile and disclosure status.
- Check for any regulatory actions or legal proceedings involving the company.
- Consult with a financial advisor before investing.
- Understand the risks associated with investing in OTC stocks.
- Long-standing history and established presence in the local community.
- Positive customer reviews and testimonials.
- Active community involvement and charitable contributions.
- Experienced management team with local market expertise.
Common Questions About NTBP (Financial Services)
What does New Tripoli Bancorp, Inc. do?
New Tripoli Bancorp, Inc. functions as the bank holding company for New Tripoli Bank, providing a range of banking products and services to individuals and businesses. These offerings include checking and savings accounts, loans, and investment services. The company operates primarily in Pennsylvania, focusing on serving the financial needs of its local community through traditional banking practices and increasingly through digital platforms.
What do analysts say about NTBP stock?
As of March 17, 2026, formal analyst ratings for New Tripoli Bancorp, Inc. (NTBP) are not widely available, likely due to its OTC listing and smaller market capitalization. Investors should focus on fundamental analysis, monitoring financial metrics such as revenue growth, profit margins, and asset quality.
What are the main risks for NTBP?
New Tripoli Bancorp, Inc. faces several risks inherent to the regional banking sector. These include credit risk associated with loan defaults, interest rate risk impacting net interest margin, and regulatory compliance risk. Given its OTC listing, NTBP also faces liquidity risk and potential challenges related to financial transparency. Competition from larger banks and fintech companies also poses a threat to its market share and profitability.
What are the key factors to evaluate for NTBP?
Evaluate NTBP on fundamentals, analyst consensus, and risk factors. New Tripoli Bancorp, Inc. presents a traditional banking model with a focus on community-based financial services. Not financial advice.
How frequently does NTBP data refresh on this page?
NTBP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven NTBP's recent stock price performance?
New Tripoli Bancorp, Inc. (NTBP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established presence in the local community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NTBP overvalued or undervalued right now?
New Tripoli Bancorp, Inc. (NTBP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research NTBP before investing?
Before investing in New Tripoli Bancorp, Inc. (NTBP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.
- AI analysis pending for NTBP.