Nobility Homes, Inc. (NOBH)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Nobility Homes, Inc. (NOBH) with AI Score 51/100 (Hold). Nobility Homes, Inc. designs, manufactures, and sells manufactured and modular homes in Florida. Market cap: 0, Sector: Consumer cyclical.
Last analyzed: Mar 16, 2026Nobility Homes, Inc. (NOBH) Consumer Business Overview
Nobility Homes, Inc. focuses on the design, manufacturing, and sale of manufactured and modular homes within Florida, utilizing a dual distribution strategy through its own retail centers and wholesale partnerships. The company also provides retail insurance services and mortgage loan origination, catering to the affordable housing market segment.
Investment Thesis
Nobility Homes, Inc. presents a focused investment opportunity within the Florida manufactured housing market. The company's consistent profitability, reflected in a 16.0% profit margin and a 14.4% ROE, indicates efficient operations. A key value driver is the company's dual distribution strategy, combining retail sales centers with wholesale partnerships. Ongoing catalysts include the increasing demand for affordable housing in Florida and the company's ability to adapt its product offerings to meet evolving customer preferences. Potential risks include fluctuations in raw material costs and economic downturns affecting consumer spending on housing.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.09 billion indicates a small-cap company with potential for growth.
- Profit margin of 16.0% demonstrates strong profitability compared to industry averages.
- Gross margin of 31.9% reflects efficient cost management in manufacturing and sales.
- Return on Equity (ROE) of 14.4% indicates effective utilization of shareholder equity.
- Beta of 0.27 suggests low volatility compared to the overall market.
Competitors & Peers
Strengths
- Established presence in the Florida market.
- Integrated business model with manufacturing, retail, and financial services.
- Strong brand reputation.
- Focus on the affordable housing segment.
Weaknesses
- Limited geographic focus (Florida only).
- Small market capitalization.
- Dependence on the Florida economy.
- Exposure to fluctuations in raw material costs.
Catalysts
- Ongoing: Increasing demand for affordable housing in Florida.
- Ongoing: Expansion of retail network and wholesale partnerships.
- Ongoing: Product innovation and customization to meet evolving customer preferences.
Risks
- Potential: Economic downturns affecting consumer spending on housing.
- Potential: Rising interest rates impacting affordability.
- Potential: Fluctuations in raw material costs.
- Ongoing: Limited geographic focus (Florida only).
- Ongoing: Risks associated with trading on the OTC market.
Growth Opportunities
- Expansion of Retail Network: Nobility Homes can expand its retail footprint within Florida, targeting high-growth areas and underserved markets. By increasing the number of retail sales centers, the company can directly reach more customers and increase sales volume. This expansion could be achieved through strategic acquisitions or organic growth, with a potential timeline of 3-5 years and a market size dependent on the specific locations targeted.
- Enhanced Wholesale Partnerships: Strengthening relationships with independent retail dealers and manufactured home communities can drive wholesale sales. By offering competitive pricing, marketing support, and product training, Nobility Homes can become a preferred supplier. This strategy can be implemented within 1-2 years, with the potential to significantly increase wholesale revenue streams.
- Product Innovation and Customization: Developing new home models and offering customization options can attract a wider range of customers. By incorporating modern design trends, energy-efficient features, and flexible floor plans, Nobility Homes can differentiate itself from competitors. This ongoing effort can drive sales and improve customer satisfaction, with continuous updates and improvements based on market feedback.
- Insurance and Financing Services: Expanding the company's retail insurance services and mortgage loan origination capabilities can generate additional revenue streams and enhance customer loyalty. By offering competitive rates and personalized service, Nobility Homes can become a one-stop shop for customers' housing needs. This expansion can be implemented within 2-3 years, with a focus on compliance and customer satisfaction.
- Strategic Acquisitions: Acquiring smaller manufactured home builders or retail dealerships can provide immediate access to new markets and customers. By integrating these acquisitions into its existing operations, Nobility Homes can achieve economies of scale and increase market share. This opportunistic strategy can be pursued on an ongoing basis, with careful consideration of valuation and integration challenges.
Opportunities
- Expansion of retail network within Florida.
- Strengthening wholesale partnerships.
- Product innovation and customization.
- Expansion of insurance and financing services.
Threats
- Economic downturns affecting consumer spending.
- Increased competition from larger manufacturers.
- Rising interest rates impacting affordability.
- Changes in regulations affecting the manufactured housing industry.
Competitive Advantages
- Established brand reputation in the Florida market.
- Integrated business model with manufacturing, retail, and financial services.
- Network of retail sales centers and wholesale partnerships.
- Focus on the affordable housing segment.
About NOBH
Incorporated in 1967 and headquartered in Ocala, Florida, Nobility Homes, Inc. has established itself as a key player in the manufactured housing market within Florida. The company's core business revolves around the design, manufacturing, and sale of manufactured and modular homes, marketed under various trade names including Kingswood, Richwood, Tropic Isle, Regency Manor, and Tropic Manor. These homes are distributed through a network of ten retail sales centers located across Florida, as well as through wholesale channels to independent retail dealers and manufactured home communities. Beyond its core manufacturing operations, Nobility Homes also provides retail insurance services, offering property and casualty, automobile, and extended home warranty coverage to its customers. Additionally, the company operates as a licensed mortgage loan originator, facilitating financing options for its customers' home purchases. This integrated approach allows Nobility Homes to provide a comprehensive solution for individuals and families seeking affordable housing options in Florida. The company's focus on the Florida market allows it to cater specifically to the needs and preferences of local residents, while its diversified distribution channels provide flexibility and reach within the state.
What They Do
- Designs manufactured and modular homes.
- Manufactures homes in its production facilities.
- Sells homes through its own retail sales centers.
- Distributes homes on a wholesale basis to independent dealers.
- Offers retail insurance services to customers.
- Operates as a licensed mortgage loan originator.
Business Model
- Manufactures and sells manufactured and modular homes.
- Generates revenue through retail and wholesale channels.
- Provides insurance and financing services for additional income.
Industry Context
Nobility Homes operates within the residential construction industry, specifically focusing on the manufactured housing segment. The industry is influenced by factors such as interest rates, economic growth, and demographic trends. The manufactured housing market provides affordable housing options, particularly in states like Florida with growing populations. Competition includes larger national manufacturers and regional players. Nobility Homes' focus on the Florida market allows it to cater to local preferences and demand.
Key Customers
- Individuals and families seeking affordable housing in Florida.
- Independent manufactured home retail dealers.
- Manufactured home communities.
Financials
Chart & Info
Nobility Homes, Inc. (NOBH) stock price: Price data unavailable
Latest News
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Nobility Homes Q1 EPS $0.50 Down From $0.60 YoY, Sales $10.503M Down From $12.242M YoY
benzinga · Mar 13, 2026
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Nobility Homes, Inc. Announces Sales And Earnings For Its First Quarter 2026
accessnewswire.com · Mar 13, 2026
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NOBH.
Price Targets
Wall Street price target analysis for NOBH.
MoonshotScore
What does this score mean?
The MoonshotScore rates NOBH's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Competitors & Peers
Leadership: Terry E. Trexler
CEO
Terry E. Trexler serves as the CEO of Nobility Homes, Inc. His leadership is pivotal in guiding the company's strategic direction and operational execution. Information regarding his specific educational background and detailed career history prior to Nobility Homes is not available in the provided data. However, as CEO, he is responsible for overseeing all aspects of the company's business, from manufacturing and sales to insurance and financing services.
Track Record: Under Terry E. Trexler's leadership, Nobility Homes has maintained its focus on the Florida manufactured housing market. Specific achievements and milestones directly attributable to his tenure are not detailed in the provided data. However, the company's continued profitability and market presence suggest effective management and strategic decision-making.
NOBH OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Nobility Homes, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, and trading activity can be sporadic. Unlike companies listed on major exchanges like the NYSE or NASDAQ, OTC Other stocks often have less stringent listing requirements, resulting in higher risks for investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increasing information asymmetry.
- Lower trading volume and liquidity compared to major exchanges.
- Potential for wider bid-ask spreads and price volatility.
- Higher risk of fraud or manipulation due to less stringent oversight.
- Dependence on the OTC market for trading and capital raising.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's OTC Markets profile and disclosure history.
- Check for any regulatory actions or legal issues involving the company.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Established operating history since 1967.
- Focus on a specific geographic market (Florida).
- Integrated business model with manufacturing, retail, and financial services.
- Positive profit margin and return on equity.
- Physical presence with retail sales centers in multiple locations.
What Investors Ask About Nobility Homes, Inc. (NOBH)
What does Nobility Homes, Inc. do?
Nobility Homes, Inc. designs, manufactures, and sells manufactured and modular homes primarily in Florida. The company operates through a network of its own retail sales centers and also distributes its homes on a wholesale basis to independent dealers and manufactured home communities. In addition to home sales, Nobility Homes offers retail insurance services and operates as a licensed mortgage loan originator, providing a comprehensive suite of services to its customers. This integrated approach allows Nobility Homes to cater specifically to the affordable housing market in Florida.
What do analysts say about NOBH stock?
As of March 16, 2026, formal analyst ratings and price targets for Nobility Homes, Inc. (NOBH) are unavailable, likely due to its listing on the OTC market and smaller market capitalization. Investors should focus on fundamental analysis, monitoring financial performance, and assessing the company's competitive position within the Florida manufactured housing market. Key valuation metrics include price-to-earnings ratio, price-to-book ratio, and dividend yield (although NOBH currently does not offer a dividend). Growth considerations include the company's ability to expand its retail network, strengthen wholesale partnerships, and innovate its product offerings.
What are the main risks for NOBH?
Nobility Homes, Inc. faces several risks inherent to its business and the broader economic environment. Economic downturns in Florida could significantly reduce consumer spending on housing, impacting sales and profitability. Rising interest rates could decrease affordability and demand for manufactured homes. Fluctuations in raw material costs, such as lumber and steel, could squeeze profit margins. The company's limited geographic focus on Florida exposes it to regional economic risks and weather-related events. Additionally, trading on the OTC market carries inherent risks, including limited liquidity, price volatility, and potential for fraud or manipulation.
What are the key factors to evaluate for NOBH?
Nobility Homes, Inc. (NOBH) currently holds an AI score of 51/100, indicating moderate score. Key strength: Established presence in the Florida market.. Primary risk to monitor: Potential: Economic downturns affecting consumer spending on housing.. This is not financial advice.
How frequently does NOBH data refresh on this page?
NOBH prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven NOBH's recent stock price performance?
Recent price movement in Nobility Homes, Inc. (NOBH) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Established presence in the Florida market.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider NOBH overvalued or undervalued right now?
Determining whether Nobility Homes, Inc. (NOBH) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying NOBH?
Before investing in Nobility Homes, Inc. (NOBH), 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) what Wall Street analysts recommend and their 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
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- Analyst ratings and price targets may not be available.