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    Banks - Regional
Neffs Bancorp, Inc.

Neffs Bancorp, Inc.

NEFB
Neffs Bancorp, Inc.US flagOther OTC
380.00
USD
- -
- -
55.53MMarket Cap
Neffs Bancorp, Inc.
NEFB
(Other OTC)

Recent

price

380.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2005
2006
2007
2008
2009
2010
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
31.76
30.92
31.23
37.01
44.34
48.88
71.92
66.01
72
81.39
70.53
69.91
- -
49.69
Revenue per Share
15.58
14.26
13.79
16
16.96
18.86
29.74
22.35
25.16
28.56
18.48
15.11
- -
19.3
Basic EPS, GAAP
15.74
14.52
15.05
13.33
12.72
21.31
28.29
27.4
34.02
31.21
26.91
18.93
- -
24
Free Cash Flow per Basic Share
4
4
3.97
4
3.98
4.75
8.31
8.31
8.41
8.54
9.65
8.62
- -
2.75
Dividend per Share
201.93
211.35
223.38
242.47
259.93
280.81
494.99
509.65
526.56
552.48
571.2
613.26
- -
284.85
Book Value per Share
199.34
208.25
213.53
234.53
244.76
257.02
445.55
466.25
471.3
431.26
448.21
463.28
- -
259.2
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
6
6
6
7
8
9
11
10
11
13
11
10
11
9
Sales/Revenue/Turnover
58.28
54.1
52.93
55.02
49.62
49.57
- -
- -
- -
- -
- -
- -
- -
49.64
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
3
3
3
3
5
4
4
5
3
2
3
3
Net Income, GAAP
15.81
14.74
16.58
21.44
22.94
22.17
12.25
8.79
10.35
11.16
5.29
0.4
- -
21.74
Effective Tax Rate (%)
49.07
46.13
44.16
43.22
38.24
38.58
41.79
34.33
35.37
35.48
26.7
22.1
24.62
38.85
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
10
10
8
26
10
18
36
- -
LT Debt
39
41
42
45
46
47
71
74
75
68
69
67
72
47
Total Equity
- -
7.01
6.5
7.03
7.01
7.42
- -
- -
- -
- -
- -
- -
- -
7.54
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
6.92
6.31
6.76
6.69
6.89
7.28
4.45
4.86
5.27
3.26
2.48
3.07
6.95
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'10
Dec'10
Mar'19
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
42
40
51

Working Capital

FRC

•

in mil. unless spec.
Sep'10
Dec'10
Mar'19
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3
8
7
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.49%
-0.44%
6.64%
Free Cash Flow
-3.15%
-17.39%
-52.93%
Net Income, GAAP
3.03%
-1.81%
24.97%
Sales/Revenue/Turnover
7.17%
2.33%
12.15%
Total Cash Common Dividend
5.6%
-0.52%
0.58%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
11
2024
- -
- -
- -
- -
10
2025
- -
- -
- -
- -
11

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
18.48
2024
- -
- -
- -
- -
15.11
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
9.65
2024
- -
- -
- -
- -
8.62
2025
- -
- -
- -
- -
- -
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Business
Neffs Bancorp, Inc. (NEFB) operates as the holding company for The Neffs National Bank, a community-focused financial institution providing traditional banking and related services to individuals, small businesses, and corporate customers primarily in Lehigh County and Northampton County, Pennsylvania. Founded in 1923 and headquartered in Neffs, Pennsylvania, the company offers a comprehensive range of deposit products, including checking accounts, savings and club accounts, money market demand accounts, certificates of deposit, individual retirement accounts, young savers accounts, and young adult savers accounts; consumer credit products such as residential mortgages for purchase, refinance, improvement, and construction of one-to-four family dwellings, home equity loans, home equity lines of credit, automobile loans, unsecured personal loans, personal lines of credit, student loans, and a Personal First Time Credit Loan introduced in 2024 to assist individuals in establishing credit; commercial credit products encompassing commercial mortgages, term loans, lines of credit, and community development loans; and additional services like remote deposit capture, mobile deposit, business checking, credit cards, merchant services, online and mobile banking, and access to ATMs including three on-site machines and participation in the Allpoint network for nationwide access. The bank maintains two full-service branches in Lehigh and Northampton Counties, emphasizing local decision-making for mortgage lending where loans remain in-house, and supports community reinvestment through agriculture and development lending. Recent developments include the 2024 launch of the Personal First Time Credit Loan product, enhancing access for credit-building customers, alongside sustained profitability with a 22.10% profit margin, 0.49% return on assets, and quarterly revenue growth of 6.60% as of fiscal year-end December 31, 2024, amid stable operations in the regional banking sector without reported acquisitions, partnerships, or major structural changes in the past 1-2 years.