Stock fact sheet · data as of
North Dallas Bank & Trust Co (NODB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is NODB undervalued?
North Dallas Bank & Trust Co (NODB) closed at 66.85 on 16 Oct 2026, 129% above the GLS average fair value of 29.24. 7 of the 8 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
There is a wide gap between DDM (5.89) and Graham Number (79.07). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files NODB under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for NODB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 14.64 | -78% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 79.07 | +18% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 61.19 | -8% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 15.17 | -77% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 7.86 | -88% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 7.99 | -88% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 5.89 | -91% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 42.14 | -37% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -561.85 | -940% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
North Dallas Bank & Trust Co scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability NODB scores 5.8/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 4.7%, ROE 4.7%, ROA 0.5% - with debt at 0.00 times equity and negative free cash flow.
The dividend yield is 0.60% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 4.7% |
|---|---|---|---|
| GLS Moat | 5.8 / 10 | ROE | 4.7% |
| Debt / equity | 0.00 | ROA | 0.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 26: No options
No options are listed on North Dallas Bank & Trust Co in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 26) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $172M, with a beta of 0.08 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -129% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 9 / 15 | moat 5.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $172M cap, beta 0.08 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for NODB in the nightly calendar. The shares go ex-dividend on 16 Oct 2026 (0.1000 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to North Dallas Bank & Trust Co by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BKUTK Bank of Utica | 682.85 | 3,298.43 | +79% | 39No options | $171M |
| MNSB MainStreet Bancshares, Inc. | 24.27 | 32.99 | +26% | 39No options | $173M |
| HNVR Hanover Bancorp, Inc. | 24.18 | 37.43 | +35% | 39No options | $171M |
| MNSBP MainStreet Bancshares, Inc. | 24.33 | 33.02 | +26% | 39No options | $170M |
| ECBK ECB Bancorp, Inc. | 19.85 | 54.96 | +64% | 39No options | $173M |
| TRCY Tri City Bankshares Corporation | 19.06 | 27.93 | +32% | 39No options | $170M |
| ENBP ENB Financial Corp | 29.39 | 62.07 | +53% | 39No options | $168M |
| AMBKP American Capital Trust I PFD TR SECS 6% | 13.00 | 4.74 | -174% | 20No options | $167M |
| PLQC Plains Acquisition Corporation | 68.94 | 94.76 | +27% | 39No options | $178M |
| EBMT Eagle Bancorp Montana, Inc. | 20.68 | 26.35 | +22% | 39No options | $165M |
| SFIGA STAR Financial Group, Inc. | 59.58 | 196.21 | +70% | 39No options | $165M |
| ARBV American Riviera Bancorp | 28.49 | 28.44 | -0% | 37No options | $164M |
⚖ Compare NODB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about NODB
Is NODB undervalued right now?
No: at 66.85 the stock trades 129% above the GLS average fair value of 29.24 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of NODB and what does it mean?
NODB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for NODB?
29.24 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does North Dallas Bank & Trust Co report earnings next?
No upcoming earnings date is recorded for NODB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does NODB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on NODB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.