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    Banks - Regional
North Dallas Bank & Trust Co

North Dallas Bank & Trust Co

NODB
North Dallas Bank & Trust CoUS flagOther OTC
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USD
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(- -)

Recent

price

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P/E

ratio

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div

yld

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ROIC.AI

2003
2004
2005
2006
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
11.32
10.54
10.7
11.08
12.19
13.03
14.18
15.57
14.66
15.62
15.48
19.03
15.47
15.67
11.14
Revenue per Share
3.06
2.44
2.23
2.25
2.47
2.73
2.47
4.76
3.57
3.34
2.77
3.52
1.47
1.34
0.69
Basic EPS, GAAP
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- -
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4.19
3.16
5.24
5.76
5.75
-0.36
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Free Cash Flow per Basic Share
- -
- -
- -
- -
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- -
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1.3
1.3
1.3
1.32
1.32
0.4
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Dividend per Share
29.77
26.63
27.87
29.11
41.77
43.68
45.19
48.72
50.97
53.06
54.55
56.7
56.86
57.6
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Book Value per Share
36.04
37.28
38.22
39.83
53.24
54.8
55.79
58.88
62.77
66.09
65.32
61.2
63.83
66.38
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Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
29
27
27
28
31
33
36
40
38
40
40
49
40
40
28
Sales/Revenue/Turnover
41.12
35.17
31.62
30.82
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Operating Margin (%)
- -
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1
1
1
2
2
2
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Depreciation Expense
8
6
6
6
6
7
6
12
9
9
7
9
4
3
2
Net Income, GAAP
34.34
34.08
34.14
34.13
33.23
34.31
33.32
19.25
20.05
20.07
20.14
19.35
15.18
12.42
9.23
Effective Tax Rate (%)
27
23.18
20.83
20.3
20.26
20.96
17.41
30.57
24.35
21.38
17.89
18.5
9.5
8.55
6.18
Profit Margin (%)
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- -
- -
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- -
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Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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100
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LT Debt
93
96
98
102
137
141
144
151
161
170
168
157
164
171
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Total Equity
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6.66
5.9
5.76
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- -
- -
- -
- -
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- -
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Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
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- -
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Return on Capital (%)
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8.66
8.18
7.89
6.96
6.39
5.57
10.13
7.16
6.42
5.15
6.33
2.59
2.35
4.61
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'15
Sep'15
Mar'24
ST Debt
- -
- -
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LT Borrowings
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5
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LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
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Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Jun'15
Sep'15
Mar'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
45
49
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Accounts Receivable, Net
6
7
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Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
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Payables & Accruals
2
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ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.69%
1.28%
4.37%
Free Cash Flow
- -
-11.06%
-106.29%
Net Income, GAAP
1.53%
-12.64%
-8.53%
Sales/Revenue/Turnover
4.13%
2.29%
1.65%
Total Cash Common Dividend
- -
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-69.68%

Quarterly Revenue

FRC

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in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
10
9
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40
2024
10
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- -
- -
40
2025
11
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- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.47
2024
0.28
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- -
- -
1.34
2025
0.51
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- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.32
2024
- -
- -
- -
- -
0.4
2025
- -
- -
- -
- -
- -
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Business
North Dallas Bank & Trust Co. (NDBT) operates as an independent community bank providing a full range of personal, business, and wealth management services to individuals, small businesses, and entrepreneurs primarily in the Dallas metroplex area of Texas. The bank offers personal banking products including checking accounts (Personal Checking, Interest Checking, Celebration Club for customers aged 60 and older, Premier Checking, and 180 Banking debit-only accounts), savings accounts, certificates of deposit, individual retirement accounts, debit and credit cards, overdraft protection, online and mobile banking, and access to over 55,000 ATMs nationwide; consumer loans such as vehicle loans, personal loans, home equity loans and lines of credit, home improvement loans, construction loans, and residential lot loans; mortgage loans; business banking solutions encompassing lines of credit, equipment financing, commercial real estate loans, interim construction loans, healthcare financing, physician services, treasury services (payables, receivables, information reporting, liquidity management, and fraud mitigation); and trust and wealth management services including investment management, retirement planning, and financial planning. NDBT maintains five banking centers in Dallas, Addison, Plano, Las Colinas, and Frisco, with its headquarters located in the 12-story North Dallas Bank Tower at 12900 Preston Road, Dallas, Texas. Founded in 1961, the bank has operated continuously under the same name and ownership, achieving a record of annual profitability, 36 consecutive years of 5-star BauerFinancial ratings (the longest in Texas), and membership in the IntraFi Network for enhanced deposit security. Recent developments include a 2022 renovation of its Dallas headquarters and banking center costing over $12 million; a rebranding in 2021 to emphasize its "Texas Banking Original" identity with a new logo and tagline; expansion of its Frisco presence with the July 2023 purchase of 3.9 acres in the Fields mixed-use development for a planned $32 million, three-story 54,837-square-foot office building featuring a bank branch, office space, amenities, and drive-thru, with construction slated to begin in May 2025 and complete in June 2026; the appointment of Larry A. Miller as President, CEO, and Chairman in recent years following his career start at the bank in 1982; and portfolio adjustments such as a new investment in Meta Platforms, Inc. in Q2 2025. These initiatives underscore NDBT's commitment to modernizing facilities, enhancing its North Texas footprint, and maintaining technological investments while prioritizing personal relationships and community engagement through initiatives like NDBT Cares.