Northumberland Bancorp (NUBC) 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.
Northumberland Bancorp (NUBC) with AI Score 49/100 (Grade C). Northumberland Bancorp, established in 1903, operates as the holding company for The Northumberland National Bank. Sector: Financial services.
Last analyzed: Mar 16, 2026NUBC: 1/3 scored disciplines lean bearish. 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.
Northumberland Bancorp (NUBC) Financial Services Profile
Northumberland Bancorp, a community bank holding company founded in 1903, offers comprehensive financial services through The Northumberland National Bank. Serving Northumberland, Snyder, and Union counties in Pennsylvania, it focuses on traditional banking products and services for both personal and commercial clients, operating in a competitive regional banking landscape.
What Is the Investment Thesis for NUBC?
Northumberland Bancorp presents a community banking model focused on serving the financial needs of its local markets in Pennsylvania. With a market capitalization of $0.04 billion and a P/E ratio of 19.81, the bank demonstrates a stable, albeit modest, financial profile. A key value driver is its established presence in Northumberland, Snyder, and Union counties, fostering customer loyalty. Growth catalysts include expanding its digital banking services and capitalizing on opportunities within its agricultural financing and insurance product lines. Potential risks include navigating the competitive regional banking landscape and managing interest rate sensitivity. The company's dividend yield of 0.78% could attract income-focused investors.
Based on FMP financials and quantitative analysis
NUBC Key Highlights
Market capitalization of $0.04 billion indicates a smaller community bank.
- P/E ratio of 19.81 suggests the company is trading at a valuation in line with earnings.
- Profit margin of 7.6% reflects the bank's profitability in its operations.
- Gross margin of 61.7% indicates the efficiency of the bank's core services.
- Dividend yield of 0.78% offers a modest income stream for investors.
Who Are NUBC's Competitors?
NUBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFOK Community First Bancorporation | $8.00 | -1.84% | $44.1M | 49 |
| CMUV CMUV Bancorp | $24.72 | +0.00% | $43.8M | 59 |
| CSKL Catskill Hudson Bancorp, Inc. | $40.15 | +0.38% | $28.4M | 45 |
| FCCT First Community Corporation | $13.35 | +0.00% | $25.6M | 45 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NUBC's Key Strengths?
Strong local presence in Pennsylvania
- Long-standing customer relationships
- Diverse range of banking products and services
- Experienced management team
What Are NUBC's Weaknesses?
Limited geographic reach
- Small market capitalization
- Dependence on local economy
- Lower brand recognition compared to larger banks
What Could Drive NUBC Stock Higher?
Expansion of digital banking services to attract and retain customers.
- Potential strategic partnerships with insurance providers to diversify revenue streams.
- Focus on agricultural lending to support the local agricultural community.
What Are the Key Risks for NUBC?
Financial-distress signal — its Altman Z-Score of -0.76 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Competition from larger regional and national banks with greater resources.
- Economic downturn in Pennsylvania impacting loan performance.
- Changes in banking regulations increasing compliance costs.
- Interest rate fluctuations affecting net interest margin.
What Are the Growth Opportunities for NUBC?
- Expansion of Digital Banking Services: Northumberland Bancorp can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile platforms. This includes offering a wider range of digital services, such as mobile check deposit, online account opening, and personalized financial management tools. The market for digital banking is expanding rapidly, with a projected market size of $9 trillion by 2027. By investing in technology and improving the user experience, Northumberland Bancorp can attract new customers and retain existing ones, driving growth and improving efficiency. Timeline: Ongoing.
- Strategic Partnerships for Insurance Products: Northumberland Bancorp can increase its revenue streams by forming strategic partnerships with insurance providers to offer a wider range of insurance products to its customers. This includes property and casualty insurance, life insurance, and health insurance. The insurance market is a large and growing market, with a global market size of $6.7 trillion in 2023. By offering insurance products, Northumberland Bancorp can provide a more comprehensive suite of financial services to its customers, increasing customer loyalty and generating additional revenue. Timeline: Upcoming, within the next 1-2 years.
- Increased Focus on Agricultural Lending: Given its presence in rural Pennsylvania, Northumberland Bancorp can expand its agricultural lending portfolio by offering specialized loan products and services to farmers and agricultural businesses. This includes financing for equipment, land, and operating expenses. The agricultural lending market is a significant market, with a projected market size of $250 billion in the US. By focusing on agricultural lending, Northumberland Bancorp can tap into a niche market and support the local agricultural community. Timeline: Ongoing.
- Development of Financial Advisory Services: Northumberland Bancorp can attract and retain high-value clients by developing and expanding its financial advisory services. This includes offering wealth management, retirement planning, and investment advice. The market for financial advisory services is growing, with a projected market size of $700 billion by 2028. By providing personalized financial advice, Northumberland Bancorp can build long-term relationships with its clients and generate recurring revenue. Timeline: Upcoming, within the next 2-3 years.
- Community Engagement and Brand Building: Northumberland Bancorp can strengthen its brand and build customer loyalty by actively engaging with the local community through sponsorships, charitable donations, and volunteer programs. This includes supporting local events, sponsoring youth sports teams, and partnering with local non-profit organizations. By investing in the community, Northumberland Bancorp can enhance its reputation and attract new customers who value community involvement. Timeline: Ongoing.
What Are NUBC's Competitive Advantages?
- Established presence in local markets
- Long-standing customer relationships
- Community bank reputation
- Local market knowledge
What Does NUBC Do?
Founded in 1903, Northumberland Bancorp serves as the bank holding company for The Northumberland National Bank. The bank provides a wide array of financial services to individuals and businesses across Northumberland, Snyder, and Union counties in Pennsylvania. Its history is rooted in serving the local community with personalized banking solutions. Over the years, Northumberland Bancorp has evolved to offer a comprehensive suite of products, including checking, money market, and savings accounts, certificates of deposit, and individual retirement accounts. They also offer investment securities, deposit and trust services, and various card services. On the lending side, Northumberland Bancorp provides commercial mortgages, short-term working capital, residential investment, secondary market real estate, home equity, personal, and vehicle loans. They also offer lines of credit, letters of credit, and participation in government lending programs. To cater to the evolving needs of their customers, Northumberland Bancorp provides internet and telephone banking services, along with safe deposit boxes. The company's commitment to its local market has allowed it to maintain a strong presence and build lasting relationships with its customers. The company also provides agricultural financing and insurance products, further diversifying its service offerings.
What Products and Services Does NUBC Offer?
- Provides checking, money market, and savings accounts
- Offers certificates of deposit and individual retirement accounts
- Provides commercial mortgage and real estate loans
- Offers personal and vehicle loans
- Provides lines of credit and letters of credit
- Offers government lending programs
- Provides agricultural financing and insurance products
- Offers internet and telephone banking services
How Does NUBC Make Money?
- Generates revenue through interest income from loans
- Earns fees from deposit accounts and other services
- Manages risk through underwriting and credit analysis
- Focuses on serving personal and commercial customers in Pennsylvania
What Industry Does NUBC Operate In?
Northumberland Bancorp operates within the regional banking sector, characterized by intense competition and evolving customer expectations. The industry is experiencing a shift towards digital banking solutions and personalized customer service. Northumberland Bancorp competes with other regional banks and credit unions, as well as larger national banks that have a presence in Pennsylvania. The regional banking sector is influenced by interest rate fluctuations, regulatory changes, and economic conditions. The company must adapt to changing technology and customer preferences to maintain its market position.
Who Are NUBC's Key Customers?
- Individual consumers in Northumberland, Snyder, and Union counties
- Small businesses in the local area
- Agricultural businesses and farmers
- Commercial real estate investors
Company Profile
Northumberland Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Northumberland, US. The company is led by CEO J. Todd Troxell. NUBC has traded publicly since 1999.
Key Financial Metrics
Return on equity for Northumberland Bancorp stands at 3.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. NUBC trades at a trailing price-to-earnings ratio of 21.51, above the Financial Services sector average of ~18x. Its free cash flow yield is 11.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.04 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.6%, the inverse of the P/E and a quick read on earnings relative to price.
NUBC Valuation & Market Position
Relative to its peer group, NUBC's quantitative score of 49/100 is roughly in line with the peer average of 59/100.
Quarterly Financial Performance: Northumberland Bancorp
Revenue for Northumberland Bancorp came in at $8.2M during Q1 2025, a 3.2% contraction versus the preceding quarter. The company recorded net income of $813K, with diluted EPS of $0.62. Revenue has contracted over three consecutive quarters, which investors in this unknown Financial Services stock should monitor closely. Across the four most recent quarters, NUBC averaged $0.44 in diluted EPS.
Financial Health
Northumberland Bancorp's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.76 places it in the distress zone, a signal of elevated financial risk.
NUBC Financials
Bull Case vs Bear Case
Bull Case
- Strong local presence in Pennsylvania
- Long-standing customer relationships
- Diverse range of banking products and services
- Experienced management team
Bear Case
- Limited geographic reach
- Small market capitalization
- Dependence on local economy
- Lower brand recognition compared to larger banks
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2025 | $8M | $813,000 | $0.62 |
| Q4 2024 | $8M | -$63,000 | -$0.05 |
| Q3 2024 | $9M | $1M | $0.92 |
| Q2 2024 | $5M | $361,000 | $0.28 |
Based on FMP financials and quantitative analysis
NUBC Latest News
No recent news available for NUBC.
NUBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NUBC.
Price Targets
Wall Street price target analysis for NUBC.
NUBC MoonshotScore
What does this score mean?
The MoonshotScore rates NUBC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: J. Todd Troxell
CEO
J. Todd Troxell serves as the CEO of Northumberland Bancorp. Information regarding his detailed career history, education, and previous roles is not available in the provided data. Further research would be needed to provide a comprehensive background.
Track Record: Due to the limited information available, it is not possible to provide details on J. Todd Troxell's key achievements, strategic decisions, or company milestones under his leadership. Further research is needed to assess his track record.
NUBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Northumberland 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 may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This can result in less transparency and potentially higher risks for investors compared to exchange-listed companies.
- OTC Tier: OTC Other
- Limited financial disclosure
- Low trading volume and liquidity
- Potential for price manipulation
- Higher risk of fraud or scams
- Lack of regulatory oversight
- Verify the company's registration and legal status
- Obtain and review available financial statements
- Research the background and experience of the management team
- Assess the company's business model and competitive landscape
- Understand the risks associated with investing in OTC stocks
- Consult with a financial advisor before investing
- Check for any regulatory actions or legal proceedings
- Longevity of the company's operations (founded in 1903)
- Physical presence in Pennsylvania
- Operation as a bank holding company
- Offering traditional banking services
Common Questions About NUBC (Financial Services)
What does the AI Score mean for NUBC?
NUBC holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Northumberland Bancorp, established in 1903, operates as the holding company for The Northumberland National Bank. It provides a range of banking and financial services to personal and commercial …
What does Northumberland Bancorp do?
Northumberland Bancorp operates as the bank holding company for The Northumberland National Bank, providing a range of banking and financial services to personal and commercial customers. These services include checking, savings, and money market accounts, as well as various loan products such as commercial mortgages, real estate loans, and personal loans.
What do analysts say about NUBC stock?
As of 2026-03-16, there is no analyst coverage available for Northumberland Bancorp (NUBC). Given its small market capitalization of $0.04 billion and OTC listing, the company is not widely followed by analysts. Investors should conduct their own due diligence and consider the company's financial performance, growth opportunities, and risk factors before making any investment decisions. Key valuation metrics include the P/E ratio of 19.81 and the dividend yield of 0.78%.
What are the main risks for NUBC?
Northumberland Bancorp faces several risks inherent to the regional banking sector. Competition from larger banks with greater resources poses a significant threat. Economic downturns in its operating region of Pennsylvania could lead to increased loan defaults and reduced profitability. Changes in banking regulations could increase compliance costs and impact the bank's business model.
What are the key factors to evaluate for NUBC?
Northumberland Bancorp (NUBC) holds an AI score of 49/100 (low). Northumberland Bancorp presents a community banking model focused on serving the financial needs of its local markets in Pennsylvania. Not financial advice.
How frequently does NUBC data refresh on this page?
NUBC prices refresh on page view and on a rolling daily schedule; the last-updated date appears near the top of this page. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven NUBC's recent stock price performance?
Northumberland Bancorp (NUBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Pennsylvania. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NUBC overvalued or undervalued right now?
Northumberland Bancorp (NUBC) 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 NUBC before investing?
Before investing in Northumberland Bancorp (NUBC), 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 limited.
- AI analysis is pending and may provide further insights.