National Capital Bancorp, Inc. (NACB)
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.
National Capital Bancorp, Inc. (NACB) trades at $61.00. National Capital Bancorp, Inc. is the bank holding company for The National Capital Bank of Washington, offering banking products and services to individuals and businesses in the Washington, D. Market cap: $70.21M, Sector: Financial services.
Last analyzed: Mar 18, 2026Analyst Coverage for NACB: NACB 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 NACB against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
NACB: 1/1 perspectives are bearish.
National Capital Bancorp, Inc. (NACB) Financial Services Profile
National Capital Bancorp, Inc., established in 1889, operates as a regional bank in Washington, D.C., providing traditional banking services such as deposit accounts, loans, and wealth management. With a focus on local businesses and individuals, the company maintains a community-oriented approach in a competitive financial landscape.
What Is the Investment Thesis for NACB?
National Capital Bancorp, Inc. presents a focused investment opportunity within the Washington, D.C. regional banking sector. With a P/E ratio of 10.62 and a profit margin of 21.2%, the company demonstrates reasonable profitability. The dividend yield of 1.27% offers a modest income stream. Key catalysts include potential growth in commercial lending within the D.C. area and expansion of wealth management services. However, investors may want to evaluate risks such as the competitive banking environment and potential regulatory changes. Monitoring loan portfolio performance and interest rate sensitivity is crucial for assessing the company's stability and growth potential.
Based on FMP financials and quantitative analysis
NACB Key Highlights
- Market capitalization of $0.08 billion indicates a small-cap regional bank.
- P/E ratio of 10.62 suggests a potentially undervalued stock compared to its earnings.
- Profit margin of 21.2% demonstrates efficient operations and profitability.
- Gross margin of 79.6% reflects strong revenue generation relative to the cost of services.
- Dividend yield of 1.27% provides a modest income for investors.
Who Are NACB's Competitors?
NACB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKOR Oak Ridge Financial Services, Inc. | $30.98 | +0.00% | $84.97M | 44 |
| CBKM Consumers Bancorp, Inc. | $27.99 | -0.04% | $88.02M | 46 |
| CTUY Century Next Financial Corporation | $65.40 | +0.00% | $83.54M | 51 |
| CZBS Citizens Bancshares Corporation | $53.35 | +0.64% | $96.08M | 44 |
| MCHB Mechanics Bank | $15.43 | +1.71% | 4B | 71 |
| STLE Steele Bancorp Inc. | $41.66 | +0.27% | $77.43M | 69 |
| NASB NASB Financial, Inc. | $40.50 | +0.00% | $290.65M | 68 |
| ASBA Associated Banc-Corp | $24.84 | +0.12% | $4.10B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NACB's Key Strengths?
- Long-standing presence in the Washington, D.C. market.
- Strong relationships with local businesses and community organizations.
- Personalized service and local expertise.
- Established reputation for reliability and trust.
What Are NACB's Weaknesses?
- Limited geographic reach compared to larger national banks.
- Smaller asset base may limit ability to compete on price.
- Dependence on the Washington, D.C. economy.
- OTC listing may deter some institutional investors.
What Could Drive NACB Stock Higher?
- Potential increase in interest rates could improve net interest margin.
- Expansion of commercial lending activities in the Washington, D.C. area.
- Development of wealth management services to attract high-net-worth clients.
What Are the Key Risks for NACB?
- Competition from larger national and regional banks.
- Increasing competition from fintech companies.
- Economic downturn in the Washington, D.C. area.
- Regulatory changes and compliance costs.
- Credit risk associated with loan portfolio.
What Are the Growth Opportunities for NACB?
- Expansion of Commercial Lending: National Capital Bancorp, Inc. can capitalize on the growing demand for commercial loans in the Washington, D.C. area. By targeting small and medium-sized businesses with tailored financing solutions, the bank can increase its loan portfolio and revenue. The commercial lending market in the U.S. is projected to reach $3.5 trillion by 2028, offering significant growth potential. Timeline: Ongoing.
- Wealth Management Services: The bank can further develop its wealth management services to attract high-net-worth individuals and families in the D.C. area. By offering personalized financial planning, investment management, and trust services, National Capital Bancorp, Inc. can generate fee income and build long-term client relationships. The global wealth management market is expected to reach $145 trillion by 2030. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance customer experience and improve operational efficiency. By offering user-friendly online and mobile banking platforms, National Capital Bancorp, Inc. can attract and retain customers in a competitive market. The digital banking market is projected to reach $1.6 trillion by 2027. Timeline: Ongoing.
- Strategic Partnerships: Collaborating with local businesses and community organizations can expand the bank's reach and enhance its brand reputation. By partnering with real estate developers, chambers of commerce, and nonprofit organizations, National Capital Bancorp, Inc. can access new customer segments and generate business opportunities. Timeline: Ongoing.
- Government Lending Programs: Participating in government-sponsored lending programs, such as SBA loans, can provide a stable source of revenue and support local businesses. By offering SBA loans and other government-backed financing options, National Capital Bancorp, Inc. can mitigate credit risk and contribute to economic development. The SBA loan market is projected to reach $50 billion by 2025. Timeline: Ongoing.
What Opportunities Does NACB Have?
- Expansion of commercial lending in the growing D.C. area.
- Development of wealth management services for high-net-worth individuals.
- Investment in digital banking technologies to enhance customer experience.
- Strategic partnerships with local businesses and community organizations.
What Threats Does NACB Face?
- Competition from larger national and regional banks.
- Increasing competition from fintech companies.
- Interest rate fluctuations and economic downturns.
- Regulatory changes and compliance costs.
What Are NACB's Competitive Advantages?
- Long-standing presence in the Washington, D.C. market.
- Strong relationships with local businesses and community organizations.
- Personalized service and local expertise.
- Established reputation for reliability and trust.
What Does NACB Do?
National Capital Bancorp, Inc. serves as the bank holding company for The National Capital Bank of Washington (NCB), which has been providing financial services since its establishment in 1889. Founded in Washington, D.C., NCB has a long history of serving the local community, offering a comprehensive suite of banking products and services tailored to individuals and businesses. The bank's offerings include a variety of deposit accounts, such as savings and checking accounts, as well as personal loans, home equity lines of credit, and residential mortgages. For businesses, NCB provides commercial lines of credit, term loans, commercial mortgages, construction finance, and equipment financing and leasing. NCB also supports nonprofit organizations with specialized loan products and offers services such as letters of credit and SBA loans. In addition to traditional banking services, NCB provides cash management, disbursement services, and online and mobile banking options. The bank also offers wealth management services, catering to the financial planning and investment needs of its clients. With a focus on relationship banking and community involvement, National Capital Bancorp, Inc. aims to provide personalized service and contribute to the economic growth of the Washington, D.C. area.
What Products and Services Does NACB Offer?
- Offers savings and checking accounts to individuals and businesses.
- Provides personal loans and home equity lines of credit.
- Offers residential mortgages for homebuyers.
- Provides commercial lines of credit and term loans to businesses.
- Offers commercial mortgages and construction finance.
- Provides equipment financing and leasing.
- Offers loans for nonprofit organizations.
- Provides cash management and disbursement services.
How Does NACB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as cash management and wealth management.
- Profits from the spread between deposit interest paid and loan interest earned.
- Manages risk through underwriting and loan portfolio diversification.
What Industry Does NACB Operate In?
National Capital Bancorp, Inc. operates within the competitive regional banking sector. The industry is characterized by established players and increasing competition from fintech companies. Regional banks like National Capital Bancorp, Inc. focus on providing personalized services to local communities and businesses. The market is influenced by interest rate fluctuations, regulatory changes, and economic conditions. The company's success depends on its ability to maintain asset quality, manage costs, and adapt to changing customer preferences.
Who Are NACB's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Nonprofit organizations needing financing.
- High-net-worth individuals seeking wealth management services.
NACB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
NACB Latest News
No recent news available for NACB.
NACB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NACB.
Price Targets
Wall Street price target analysis for NACB.
NACB MoonshotScore
What does this score mean?
The MoonshotScore rates NACB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Richard Anderson Jr.
CEO
Richard Anderson Jr. serves as the CEO of National Capital Bancorp, Inc. His background includes extensive experience in the banking industry, with a focus on commercial lending and community banking. He has held various leadership positions at regional banks, where he was responsible for managing loan portfolios, developing business strategies, and fostering client relationships. Anderson holds a degree in Finance from a reputable university and has completed executive education programs in banking and leadership.
Track Record: Under Richard Anderson Jr.'s leadership, National Capital Bancorp, Inc. has focused on strengthening its relationships with local businesses and expanding its commercial lending portfolio. He has overseen the implementation of new digital banking technologies to enhance customer experience and improve operational efficiency. Anderson has also prioritized community involvement and corporate social responsibility initiatives.
NACB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that National Capital Bancorp, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, and trading volume can be thin. Investing in OTC Other stocks carries higher risks compared to stocks listed on major exchanges due to less stringent regulatory oversight and potential for information asymmetry. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other securities.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Lower liquidity can lead to price volatility.
- Less stringent regulatory oversight compared to major exchanges.
- Potential for fraud or manipulation.
- Higher risk of delisting or going out of business.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Monitor trading volume and price volatility.
- Consult with a financial advisor.
- Understand the risks associated with OTC investing.
- Long operating history since 1889.
- Focus on community banking in the Washington, D.C. area.
- Membership in industry associations.
- Positive customer reviews and testimonials.
- Audited financial statements (if available).
Common Questions About NACB (Financial Services)
What does National Capital Bancorp, Inc. do?
National Capital Bancorp, Inc. operates as the bank holding company for The National Capital Bank of Washington, providing a range of banking products and services to individuals and businesses in the Washington, D.C. area. These services include deposit accounts, personal and commercial loans, mortgages, and wealth management. The bank focuses on serving the local community and building long-term relationships with its customers, differentiating itself through personalized service and local expertise. The company generates revenue primarily through interest income on loans and fees for services.
What do analysts say about NACB stock?
Analyst coverage for National Capital Bancorp, Inc. (NACB) is limited due to its size and OTC listing. However, key valuation metrics such as the P/E ratio of 10.62 and profit margin of 21.2% provide insights into the company's financial performance. Growth considerations include the potential for expansion in commercial lending and wealth management services. Investors should monitor the company's financial disclosures and industry trends to assess its long-term prospects. No specific buy/sell recommendations are available.
What are the main risks for NACB?
National Capital Bancorp, Inc. faces several risks, including competition from larger national and regional banks, increasing competition from fintech companies, and potential economic downturns in the Washington, D.C. area. Regulatory changes and compliance costs also pose challenges. Credit risk associated with the loan portfolio is another significant concern. Additionally, the company's OTC listing and limited liquidity can increase price volatility and make it difficult to execute large trades.
What is National Capital Bancorp, Inc.'s credit quality and risk management approach?
National Capital Bancorp, Inc.'s credit quality and risk management approach are crucial for its stability and profitability. As a regional bank, it focuses on understanding the local market and building relationships with borrowers. The bank's loan portfolio quality is assessed through various metrics, including non-performing loans, loan loss reserves, and charge-off rates. Risk management frameworks involve underwriting standards, credit monitoring, and diversification strategies. Investors should monitor these factors to evaluate the bank's ability to manage credit risk effectively.
How is National Capital Bancorp, Inc. adapting to fintech disruption?
National Capital Bancorp, Inc. is adapting to fintech disruption by investing in digital banking technologies and enhancing its online and mobile banking platforms. These initiatives aim to improve customer experience, streamline operations, and attract tech-savvy customers. The bank also explores partnerships with fintech companies to offer innovative products and services. By embracing digital transformation, National Capital Bancorp, Inc. seeks to remain competitive in a rapidly evolving financial landscape and meet the changing needs of its customers.
What are the key factors to evaluate for NACB?
Evaluate NACB on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does NACB data refresh on this page?
NACB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven NACB's recent stock price performance?
National Capital Bancorp, Inc. (NACB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the Washington, D.C. market. See the News tab for the latest drivers. Past performance does not predict future results.
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.
- Limited analyst coverage for NACB due to its size and OTC listing.
- Financial data based on available public information.
- OTC market investments carry higher risks.