North Dallas Bank & Trust Co. (NODB) 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.
North Dallas Bank & Trust Co. (NODB) trades at $66.10 with AI Score 60/100 (Grade B+). North Dallas Bank & Trust Co. Market cap: $170M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for NODB: NODB 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 NODB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
NODB: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
North Dallas Bank & Trust Co. (NODB) Financial Services Profile
North Dallas Bank & Trust Co. operates as a regional bank in Texas, providing a full spectrum of personal and business banking solutions, including loans, deposits, and treasury services. Incorporated in 1961, it also offers investment management and financial planning, serving communities across Dallas, Frisco, and Plano.
What Is the Investment Thesis for NODB?
North Dallas Bank & Trust Co. (NODB) presents as a regional banking institution with a long operational history since 1961, deeply embedded in the growing Texas market. Its comprehensive service offering, spanning personal, business, and wealth management, positions it to capture diverse revenue streams. The company maintains a profit margin of 11.3% and a gross margin of 61.4%, indicating operational efficiency in its core banking activities. With a market capitalization of $170M and a P/E ratio of 17.96, NODB operates with a relatively low beta of 0.09, suggesting lower volatility compared to the broader market. The dividend yield of 0.63% provides a return to shareholders. Key value drivers include its established local presence in economically robust areas of Texas, allowing for strong customer relationships and localized market expertise. Growth catalysts are anticipated from the continued population and economic expansion in the Dallas-Fort Worth metroplex, driving demand for both consumer and commercial lending. Furthermore, the bank's specialized healthcare financing services offer a niche growth avenue. However, investors may want to evaluate risks such as intense competition from larger financial institutions, sensitivity to interest rate fluctuations affecting net interest margin, and the inherent challenges associated with its 'OTC Other' market listing, which may impact liquidity and disclosure levels.
Based on FMP financials and quantitative analysis
NODB Key Highlights
Market Capitalization: $0.16 billion, indicating its size as a regional financial institution focused on local markets.
- Price-to-Earnings (P/E) Ratio: 17.96, reflecting investor valuation relative to its earnings performance.
- Profit Margin: 11.3%, demonstrating the company's efficiency in converting revenue into net income within the financial services sector.
- Gross Margin: 61.4%, highlighting the profitability of its core banking and financial services before accounting for operating expenses.
- Dividend Yield: 0.63%, providing a consistent income stream to shareholders, characteristic of established regional banks.
Who Are NODB's Competitors?
NODB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MTPOY Metropolitan Bank & Trust Company | $21.89 | +8.89% | $4.92B | — |
| 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 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NODB's Key Strengths?
Established regional presence and strong community ties in the Dallas-Fort Worth metroplex since 1961.
- Diversified product offerings spanning personal, business, and wealth management services.
- Stable financial metrics including an 11.3% profit margin and 61.4% gross margin.
- Specialized healthcare financing services catering to a growing professional segment.
What Are NODB's Weaknesses?
Smaller market capitalization ($0.16B) compared to larger regional or national banks, potentially limiting scale.
- Reliance on the Texas market, making it susceptible to regional economic fluctuations.
- OTC market listing ('OTC Other' tier) may limit institutional investor access and liquidity.
- Unknown disclosure status on the OTC market, potentially impacting investor confidence and transparency.
What Could Drive NODB Stock Higher?
NODB catalyst: Continued economic growth and population expansion in the Dallas-Fort Worth metropolitan area, driving increased demand for personal and business banking services.
- Strategic enhancements and expansion of digital banking capabilities to improve customer experience and operational efficiency, attracting a broader client base.
- Potential for strategic partnerships or targeted acquisitions within the Texas regional banking sector to expand market reach and consolidate operations.
- Sustained demand for specialized lending, particularly in healthcare financing, supporting revenue diversification and growth in niche markets.
What Are the Key Risks for NODB?
Financial-distress signal — its Altman Z-Score of -0.64 sits in the distress zone (elevated bankruptcy risk).
- Intense competition from larger national banks and other regional financial institutions operating within the highly contested Texas banking market.
- Fluctuations in interest rates could negatively impact the bank's net interest margin and overall profitability, affecting its core revenue stream.
- Evolving regulatory landscape within the financial services sector, potentially leading to increased compliance costs and operational burdens.
- Economic downturns or specific regional economic challenges in Texas could lead to increased loan defaults, reduced loan demand, and asset quality deterioration.
- The 'OTC Other' tier classification and 'Unknown' disclosure status may deter institutional investors and impact the stock's liquidity and valuation.
What Are the Growth Opportunities for NODB?
- **Digital Banking Enhancement and Expansion:** North Dallas Bank & Trust Co. has an opportunity to significantly enhance and expand its online and mobile banking services. Investing in advanced digital platforms can attract a younger, tech-savvy demographic and improve convenience for existing customers, thereby increasing engagement and reducing operational costs. The global digital banking market is projected to grow substantially, with estimates suggesting a market size reaching hundreds of billions of dollars by the early 2030s. By offering seamless digital experiences, NODB can expand its reach within Texas without necessarily opening new physical branches, making its services more accessible and competitive.
- **Specialized Healthcare Financing Market Penetration:** Leveraging its existing expertise in healthcare financing and physician services, NODB can deepen its penetration into this specialized and growing market segment. The healthcare industry in Texas continues to expand, driven by population growth and an aging demographic, creating consistent demand for tailored financial solutions for medical practices, clinics, and individual practitioners. By actively marketing and refining these niche offerings, the bank can secure a stronger foothold, differentiate itself from generalist competitors, and capitalize on a market segment known for stable, high-value relationships. This focused approach can lead to sustained growth in its commercial loan portfolio.
- **Commercial Real Estate Lending in Growth Corridors:** The Dallas-Fort Worth metroplex continues to experience robust commercial real estate development and investment. North Dallas Bank & Trust Co. is well-positioned to capitalize on this trend by expanding its commercial real estate and interim construction loan portfolios. Focusing on high-growth corridors and emerging business districts within its operational footprint can yield significant returns. The demand for office spaces, retail developments, and multi-family housing projects remains strong, providing a consistent pipeline for lending opportunities. By maintaining strong relationships with local developers and businesses, NODB can secure a larger share of this lucrative market segment.
- **Expansion of Wealth Management and Trust Services:** With a growing affluent population in its service areas, there is a substantial opportunity for North Dallas Bank & Trust Co. to expand its investment management, trust, retirement, and financial planning services. By offering comprehensive wealth management solutions, the bank can attract high-net-worth individuals and families seeking integrated financial advice and asset management. This segment typically generates higher fee-based income, diversifying the bank's revenue streams beyond traditional interest income. Enhancing these services with personalized client relationships and sophisticated planning tools can drive significant growth in non-interest income and deepen client loyalty over the long term.
- **Strategic Geographic Expansion within Texas:** While currently focused on the Dallas-Fort Worth area, North Dallas Bank & Trust Co. could explore strategic geographic expansion into other rapidly growing urban or suburban markets within Texas. This could involve opening new banking centers in adjacent counties or considering acquisitions of smaller community banks that align with its operational philosophy and market focus. Such expansion would broaden its customer base, increase its loan and deposit portfolios, and enhance its overall market share within the state. Careful market analysis and a phased approach would be crucial to ensure sustainable growth and integration, capitalizing on Texas's favorable economic climate.
What Are NODB's Competitive Advantages?
- Established local presence and strong brand recognition in the Dallas-Fort Worth metroplex since its incorporation in 1961, fostering deep community ties.
- Comprehensive suite of integrated personal, business, and wealth management services under one roof, providing a one-stop financial solution.
- Long-standing customer relationships built over decades through personalized service and a community-focused banking approach.
- Specialized offerings, particularly in healthcare financing, catering to specific professional segments and creating a niche market advantage.
- Local market expertise and understanding of the economic dynamics within its specific Texas operating regions.
What Does NODB Do?
North Dallas Bank & Trust Co. (NODB) is a well-established regional financial institution headquartered in Dallas, Texas, with a history spanning over six decades since its incorporation in 1961. The company serves a diverse client base across the Dallas-Fort Worth metropolitan area, operating banking centers in key locations such as Addison, Dallas, Frisco, Las Colinas, and Plano. Its comprehensive suite of financial products and services caters to both individual consumers and businesses, positioning it as a full-service community bank. For personal banking clients, North Dallas Bank & Trust Co. offers a range of essential services, including checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). The loan portfolio for individuals is extensive, encompassing vehicle loans, personal loans, overdraft protection, home equity loans, home improvement loans, construction and residential lot loans, and mortgage loans, alongside home equity lines of credit. The bank also provides modern conveniences such as debit and credit cards, as well as robust online and mobile banking platforms. On the business front, NODB supports commercial clients with a variety of financing options, including business lines of credit, equipment financing, commercial real estate loans, and interim construction loans. A notable specialization includes healthcare financing and physician services, catering to the unique needs of medical professionals and practices. Furthermore, the company delivers sophisticated treasury services designed to optimize business operations, covering payables, receivables, information reporting, liquidity management, and crucial fraud mitigation services. Beyond traditional banking, North Dallas Bank & Trust Co. extends its offerings to include investment management, trust services, retirement planning, and comprehensive financial planning, thereby addressing the broader wealth management needs of its clients. With 157 employees, the company maintains a localized approach, fostering strong community ties and personalized service delivery.
What Products and Services Does NODB Offer?
- Offer personal checking and savings accounts, certificates of deposit, and individual retirement accounts.
- Provide various personal loans, including vehicle, home equity, home improvement, and mortgage loans.
- Extend business lines of credit, equipment financing, and commercial real estate loans.
- Specialize in healthcare financing and physician services for medical professionals and practices.
- Deliver treasury management services such as payables, receivables, and fraud mitigation for businesses.
- Offer investment management, trust, retirement planning, and comprehensive financial planning services.
- Operate physical banking centers in key Texas locations like Addison, Dallas, Frisco, Las Colinas, and Plano.
- Facilitate online and mobile banking for convenient access to financial services and account management.
How Does NODB Make Money?
- Generate interest income primarily from a diverse portfolio of loans, including personal, mortgage, commercial, and real estate loans.
- Earn non-interest income through various fees on deposit accounts, treasury services, investment management, and trust services.
- Manage interest rate spreads by attracting deposits at lower rates and lending funds at higher rates to generate net interest income.
- Provide fee-based financial planning and wealth management services to clients, contributing to non-interest revenue.
- Utilize customer deposits as a primary funding source for lending activities and investments.
What Industry Does NODB Operate In?
North Dallas Bank & Trust Co. operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. The regional banking landscape in Texas is characterized by a mix of established local players and branches of larger national institutions. Current market trends include an increasing demand for personalized banking experiences, the ongoing digital transformation of banking services, and a robust economic environment in Texas driving loan demand. NODB's strategy of maintaining a strong local presence across Addison, Dallas, Frisco, Las Colinas, and Plano allows it to cater to specific community needs while competing with both larger banks offering broader networks and smaller community banks. Its comprehensive offerings, from personal and business banking to wealth management and specialized healthcare financing, position it to capture diverse segments within the regional market, leveraging its long-standing operational history since 1961 to build trust and client relationships.
Who Are NODB's Key Customers?
- Individual consumers seeking personal banking products like checking, savings, and various types of loans for homes, vehicles, and personal needs.
- Small to medium-sized businesses requiring commercial loans, lines of credit, equipment financing, and treasury management services.
- Healthcare professionals and practices utilizing specialized healthcare financing and physician services tailored to their industry needs.
- High-net-worth individuals and families seeking sophisticated investment management, trust, and comprehensive financial planning services.
- Local businesses and developers in the Dallas-Fort Worth metroplex seeking commercial real estate and interim construction loans.
North Dallas Bank & Trust Co. Financial Trajectory
North Dallas Bank & Trust Co. (NODB) reported $23.1M in revenue for Q2 2026, reflecting 2.9% growth compared to the prior quarter. The company recorded net income of $2.7M, with diluted EPS of $1.06. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, NODB averaged $0.95 in diluted EPS.
Company Profile
North Dallas Bank & Trust Co. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Dallas, US. The company is led by CEO Larry A. Miller. NODB has traded publicly since 2021.
How North Dallas Bank & Trust Co. Is Valued
North Dallas Bank & Trust Co. carries a market capitalization of $170M, placing it in the micro-cap category. Relative to its peer group, NODB's quantitative score of 60/100 is below the peer average of 92/100.
Key Financial Metrics
Return on equity for North Dallas Bank & Trust Co. stands at 5.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. NODB trades at a trailing price-to-earnings ratio of 17.55, roughly in line with 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 0.14 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.7%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
North Dallas Bank & Trust Co.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.64 places it in the distress zone, a signal of elevated financial risk.
NODB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the bank's future performance, indicating management believes in the company's growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- The bank's focus on community engagement and personalized service has resonated well with clients, enhancing its reputation.
- Recent regulatory changes may favor smaller banks, providing NODB with opportunities to capture market share from larger competitors.
Bear Case
- Concerns about rising interest rates could impact the bank's loan portfolio, leading to potential margin compression.
- Social sentiment reflects skepticism about the bank's ability to scale operations effectively in a competitive landscape.
- Some community discussions highlight worries about economic uncertainty, which could affect lending and deposit growth negatively.
- Insider selling has raised questions about management's confidence, leading to a cautious outlook among investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $23M | $3M | $1.06 |
| Q1 2026 | $22M | $2M | $0.70 |
| Q4 2025 | $23M | $3M | $1.19 |
| Q3 2025 | $23M | $2M | $0.84 |
Based on FMP financials and quantitative analysis
NODB Latest News
No recent news available for NODB.
NODB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NODB.
Price Targets
Wall Street price target analysis for NODB.
NODB MoonshotScore
What does this score mean?
The MoonshotScore rates NODB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Larry A. Miller
Unknown
Unknown
Track Record: Unknown
NODB OTC Market Information
North Dallas Bank & Trust Co. trades on the 'OTC Other' tier of the OTC market. This tier is typically for companies that do not meet the financial or disclosure requirements for OTCQX or OTCQB, which are the higher, more transparent tiers. Companies on the 'OTC Other' tier often have limited public disclosure and are not required to file with the SEC, making it challenging for investors to access comprehensive financial information. This classification generally indicates a lower level of regulatory oversight and transparency compared to stocks traded on major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Lower liquidity and potentially wider bid-ask spreads, making it difficult to trade shares efficiently.
- Limited public disclosure and financial reporting, which can hinder comprehensive due diligence.
- Less stringent regulatory oversight compared to major exchanges, increasing investment risk.
- Difficulty in obtaining institutional financing or attracting institutional investors due to OTC status.
- Potential for price manipulation due to lower trading volume and less transparency.
- Verify any available financial statements and corporate filings directly from the company or OTC Markets Group.
- Research the management team's background, experience, and track record beyond what is publicly disclosed.
- Assess the company's business model, competitive landscape, and market position thoroughly.
- Understand the share structure, outstanding shares, and any potential dilution risks.
- Evaluate the company's operational performance, profitability, and cash flow generation.
- Investigate any regulatory actions or enforcement issues related to the company or its management.
- Consider the long-term viability and growth prospects given the limited access to capital markets.
- Long operating history since 1961, indicating a well-established business.
- Physical banking centers in multiple Texas locations (Addison, Dallas, Frisco, Las Colinas, Plano).
- Specific and diversified product offerings for both personal and business clients.
- A workforce of 157 employees, suggesting a substantial operational presence.
- Reported positive financial metrics such as an 11.3% profit margin and 61.4% gross margin.
What Investors Ask About North Dallas Bank & Trust Co. (NODB) — Financial Services
What does the AI Score mean for NODB?
NODB holds an AI Score of 60/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. North Dallas Bank & Trust Co. is a regional financial institution offering a comprehensive suite of personal and business banking products and services across multiple locations in Texas …
What does North Dallas Bank & Trust Co. do?
North Dallas Bank & Trust Co. is a regional bank based in Dallas, Texas, providing a comprehensive range of financial services to individuals and businesses. Its offerings include various checking and savings accounts, certificates of deposit, and individual retirement accounts.
What is North Dallas Bank & Trust Co.'s credit quality and risk management approach?
While specific details on North Dallas Bank & Trust Co.'s credit quality and risk management approach are not extensively provided in the source data, as a regional bank, its operations would inherently involve managing credit risk associated with its diverse loan portfolio. This typically includes assessing borrower creditworthiness, collateral valuation, and maintaining appropriate loan loss reserves.
What regulatory challenges does North Dallas Bank & Trust Co. face?
As a financial institution, North Dallas Bank & Trust Co. operates within a highly regulated environment, facing ongoing challenges from federal and state banking regulations. These include capital adequacy requirements, consumer protection laws, anti-money laundering (AML) regulations, and data privacy standards. Compliance with these regulations necessitates significant operational resources and can lead to increased costs.
How does North Dallas Bank & Trust Co. differentiate itself in the competitive Texas banking market?
North Dallas Bank & Trust Co. differentiates itself in the competitive Texas banking market through its long-standing local presence and deep community ties, having operated since 1961. This extensive history fosters trust and strong client relationships within the Dallas-Fort Worth metroplex.
What are the key factors to evaluate for NODB?
North Dallas Bank & Trust Co. (NODB) holds an AI score of 60/100 (moderate). (NODB) presents as a regional banking institution with a long operational history since 1961, deeply embedded in the growing Texas market. Not financial advice.
How frequently does NODB data refresh on this page?
NODB'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 NODB's recent stock price performance?
North Dallas Bank & Trust Co. (NODB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established regional presence and strong community ties in the Dallas-Fort Worth metroplex since 1961. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NODB overvalued or undervalued right now?
North Dallas Bank & Trust Co. (NODB) 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.
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 solely on provided source data; no external research was conducted.