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National Security Group Inc (NSEC) Stock Fundamental Analysis

NASDAQ:NSEC - Nasdaq - US6375461026 - Common Stock

16.36  +0.02 (+0.15%)

Fundamental Rating

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Overall NSEC gets a fundamental rating of 1 out of 10. We evaluated NSEC against 144 industry peers in the Insurance industry. NSEC may be in some trouble as it scores bad on both profitability and health. NSEC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year NSEC was profitable.
NSEC Yearly Net Income VS EBIT VS OCF VS FCFNSEC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 5M -5M -10M

1.2 Ratios

Industry RankSector Rank
ROA 0.55%
ROE 2.03%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
NSEC Yearly ROA, ROE, ROICNSEC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 5 -5 10 -10 -15

1.3 Margins

NSEC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 1.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NSEC Yearly Profit, Operating, Gross MarginsNSEC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 5 -5 10 -10 -15

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2. Health

2.1 Basic Checks

NSEC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NSEC has been increased compared to 1 year ago.
NSEC has a better debt/assets ratio than last year.
NSEC Yearly Shares OutstandingNSEC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 500K 1M 1.5M 2M 2.5M
NSEC Yearly Total Debt VS Total AssetsNSEC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M

2.2 Solvency

NSEC has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.18%
NSEC Yearly LT Debt VS Equity VS FCFNSEC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 20M 40M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 111.63% over the past year.
NSEC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -28.35% yearly.
Looking at the last year, NSEC shows a decrease in Revenue. The Revenue has decreased by -2.61% in the last year.
Measured over the past years, NSEC shows a decrease in Revenue. The Revenue has been decreasing by -0.20% on average per year.
EPS 1Y (TTM)111.63%
EPS 3Y-9.64%
EPS 5Y-28.35%
EPS Q2Q%33.33%
Revenue 1Y (TTM)-2.61%
Revenue growth 3Y0.69%
Revenue growth 5Y-0.2%
Sales Q2Q%-0.49%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NSEC Yearly Revenue VS EstimatesNSEC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M
NSEC Yearly EPS VS EstimatesNSEC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 51.13, which means the current valuation is very expensive for NSEC.
NSEC is valuated expensively when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 51.13
Fwd PE N/A
NSEC Price Earnings VS Forward Price EarningsNSEC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 7.55
NSEC Per share dataNSEC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

NSEC has a Yearly Dividend Yield of 1.47%.
NSEC's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.47%

5.2 History

The dividend of NSEC is nicely growing with an annual growth rate of 6.27%!
NSEC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.27%
Div Incr YearsN/A
Div Non Decr YearsN/A
NSEC Yearly Dividends per shareNSEC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.05 0.1 0.15 0.2

5.3 Sustainability

74.39% of the earnings are spent on dividend by NSEC. This is not a sustainable payout ratio.
NSEC's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP74.39%
EPS Next 2YN/A
EPS Next 3YN/A
NSEC Yearly Income VS Free CF VS DividendNSEC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 0 5M -5M -10M
NSEC Dividend Payout.NSEC Dividend Payout, showing the Payout Ratio.NSEC Dividend Payout.PayoutRetained Earnings

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National Security Group Inc

NASDAQ:NSEC (6/30/2022, 8:20:07 PM)

16.36

+0.02 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-12 2022-05-12
Earnings (Next)N/A N/A
Inst Owners0%
Inst Owner Change-99.98%
Ins Owners11.83%
Ins Owner Change0%
Market Cap41.43M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.47%
Yearly Dividend0.24
Dividend Growth(5Y)6.27%
DP74.39%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 51.13
Fwd PE N/A
P/S 0.63
P/FCF N/A
P/OCF N/A
P/B 1.03
P/tB N/A
EV/EBITDA 7.55
EPS(TTM)0.32
EY1.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS26.11
BVpS15.93
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.55%
ROE 2.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 1.24%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.44
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.18%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)111.63%
EPS 3Y-9.64%
EPS 5Y-28.35%
EPS Q2Q%33.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.61%
Revenue growth 3Y0.69%
Revenue growth 5Y-0.2%
Sales Q2Q%-0.49%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A