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  3. •

    Banks - Regional
Northumberland Bancorp

Northumberland Bancorp

NUBC
Northumberland BancorpUS flagOther OTC
29.50
USD
- -
- -
38.70MMarket Cap
2003 Y
2004 Y
2005 Y
2006 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
Revenue per Share
5.4
6.22
6.76
5.86
13.18
13.87
14.97
15.95
16.22
16.56
15.32
- -
15.91
Basic EPS, GAAP
1.79
2.16
2.16
1.44
1.48
2.21
2.59
3.33
3.25
2.38
1.47
- -
1.76
Free Cash Flow per Basic Share
1.58
2.43
2.38
- -
3.78
3.52
4.53
2.69
3.44
5.96
3.13
- -
- -
Dividend per Share
0.19
0.22
0.26
- -
0.72
0.73
0.81
0.85
0.9
0.94
0.94
- -
- -
Book Value per Share
13.46
14.89
16.69
17.14
37.98
39.49
41.28
43.76
46.7
49.16
49.02
- -
48.91
Tangible Book Value per Share
14.65
16.51
17.13
17.94
36.79
38.93
42.69
46.72
46.85
35.02
38.16
- -
40.57
Basic Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
1
- -
1
Sales/Revenue/Turnover
7
8
9
8
18
18
20
21
21
21
20
21
21
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
2
2
1
2
3
3
3
2
- -
Net Income, GAAP
2
3
3
2
2
3
3
4
4
3
2
2
2
Effective Tax Rate (%)
27.52
28.22
28.08
24.54
37.05
12.57
14.11
16.42
15.35
12.45
8.6
6.13
10.06
Profit Margin (%)
33.16
34.64
31.96
24.59
11.25
15.91
17.31
20.87
20.01
14.38
9.6
8.53
11.09
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
7
10
13
10
3
3
4
2
11
23
30
30
30
Total Equity
19
22
23
25
49
52
57
62
61
45
49
51
53
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
15.48
13.72
8.58
5.32
5.7
6.42
7.83
7.13
4.92
3
2.78
3.61

Capital Structure

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
34
35
33

Working Capital

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
45
24
39
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
11.79%
-1.11%
3.54%
Free Cash Flow
- -
4.25%
13.42%
Net Income, GAAP
-1.47%
-9.69%
-6.87%
Sales/Revenue/Turnover
13.13%
0.88%
4.79%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
5
5
5
5
20
2024
5
5
6
5
21
2025
5
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.06
- -
- -
- -
1.47
2024
0.2
- -
- -
- -
- -
2025
0.62
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.94
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
J. Todd Troxell
Sector
Financial Services
Industry
Banks - Regional
Address
245 Front Street Northumberland PA United States of America 17857
IPO Date
Dec 10, 1999
CIK
0001281189
Website
norrybank.com
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Business
Northumberland Bancorp (NUBC) serves as the bank holding company for The Northumberland National Bank, a community bank offering a range of banking and financial services to personal and commercial customers in Northumberland, Snyder, and Union counties in Pennsylvania. The bank provides deposit products including checking accounts, money market accounts, savings accounts, business accounts, individual retirement accounts, health savings accounts, and certificates of deposit; debit and credit card services, safe deposit boxes, and telephone banking; commercial, commercial mortgage, residential real estate, consumer, refinance, home equity, mortgage, personal, and auto loans; in-house and secondary market loans; working capital, agricultural, equipment, and commercial mortgage financing; lines and letters of credit; positive pay and business bill pay; remote deposit capture; merchant services payment processing; ACH origination services; investment securities; and trust services through its Trust and Wealth Management division. Founded in 1903 and headquartered at 245 Front Street, P.O. Box 271 in Northumberland, Pennsylvania, the company operates approximately six branches serving the Susquehanna Valley region. In a major strategic development completed on August 1, 2025, Northumberland Bancorp merged with and into Mifflinburg Bancorp, Inc. in a merger of equals valued at approximately $33.4 million to $34.2 million, with Northumberland shareholders receiving 1.185 shares of the surviving entity's common stock plus cash in lieu of fractional shares; the combined entity, renamed Steele Bancorp, Inc. and trading under a new ticker (STLE), holds about $1.3 billion in assets, $1.1 billion in deposits, $850 million in loans, and $93 million in shareholders' equity, while The Northumberland National Bank (Norry Bank) merged into Mifflinburg Bank and Trust Company, renamed Central Penn Bank & Trust, enhancing scale, operating leverage, product offerings, and competitive positioning in Central Pennsylvania.