EQUITYINSIGHTS
NCBFG · MAIN MARKET EQUITY SNAPSHOT
NCBFG
NCB FINANCIAL GROUP LIMITED
MAIN MARKET
FINANCIAL
LIQUIDITY · HIGH
NCB Financial Group Limited operates as a holding company. The Company, through its subsidiaries, offers banking products and services such as deposit accounts, unsecured and secured loans, credit cards, overdraft lines, foreign exchange, wealth and asset management, investment banking, insurance, and trust services.
Close Price (JMD)
$75.90
1-Day
+1.28%
▲
30-Day
+48.74%
▲
Leadership & Board
Group CEO
Robert Almeida
Group CFO
Malcolm Sadler
Board ·
Hon. Michael Lee-Chin (Chairman), Robert Almeida, Gary W. Brown, Sanya Goffe, Thalia Lyn, Howard Shearer, Arvinder Bharath.
Financial Performance · J$M
| Metric | FY2024 | FY2025 | YOY |
|---|---|---|---|
| Net Interest Income | $60,442.47 | $78,266.65 | +29.49% |
| Operating Expenses | ($-24,128.85) | ($-31,556.76) | -30.78% |
| Net Income | $21,569.53 | $36,914.48 | +71.14% |
| Assets | $2,316,010.85 | $2,405,996.95 | +3.89% |
| Liabilities | $2,105,268.04 | $2,151,661.60 | +2.20% |
| Equity | $210,742.81 | $254,335.35 | +20.69% |
Revenue & Net Income · 5-YR
Net Interest Income
Net Profit
Net Margin
4-YR Revenue CAGR
12.64%
4-YR Profit CAGR
16.45%
Financial Ratios
| Metric | FY2024 | FY2025 |
|---|---|---|
| Profitability — Margin | ||
| Interest Income Margin | 4.00% | 5.00% |
| Operating Margin | 15.00% | 24.00% |
| Net Profit Margin | 8.00% | 12.00% |
| Profitability — Return | ||
| Return on Assets | 1.00% | 1.00% |
| Return on Equity | 8.00% | 12.00% |
| Leverage | ||
| Debt to Total Assets | 8.00% | 9.00% |
| Debt/Equity | 0.92x | 0.81x |
Market Information
Market Cap · J$'000
193,190,206
Shares Out · M
2,545.33
| 7-Day Avg | $70.99 | 365-Day Avg | $44.43 |
| Avg Daily Volume | 598,880 | Avg Daily Value | $45,454,969 |
| 1-Day Change | +1.28% | 30-Day Change | +48.74% |
Stock Price History · 12-MTH
Over the trailing 12 months NCBFG rose +49.85%, averaging $44.43. It ranged from a high of $75.90 (13 Jul 2026) to a low of $28.58 (07 Aug 2025).
Valuation Analysis
EPS$6.68
P/E11.37x
Impl. P/E$99.06
BVPS$79.89
P/B0.95x
Impl. P/B$247.67
DPS$2.00
SectorFinancial
MktMain
NCBFG
Market Avg
NCBFG trades at 11.37x earnings versus a market average of 14.84x, and 0.95x book versus 3.10x — a deep discount on both measures.