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FINANCIAL SERVICES · Commercial Banks · Price, fundamentals, signals, and forward-looking context in one research view.
FINANCIAL SERVICES
₦24.3B
4.9%
8.03
Current price
₦4.20
+3.7% todayUpdated 5 min ago
Open
₦4.05
Previous close
₦4.05
Day range
₦4.00 – ₦4.20
Volume
1,183,965
8.0x P/E
Awaiting filing
4.9% yield
65/100 measured
Moderate liquidity
NPFMCRFBK has a cautious over 30 days and range-bound over one year.
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Expected move
-4.25%
Expected price
₦3.88
Lower path
₦3.64
Upper path
₦4.12
Confidence
Whisone is bullish because fundamentals are solid at 73/100 while turnover is thin at 0.036%. Whisone has moderate conviction here. The final read is being balanced by the weighted scores for fundamentals, technicals, insider flow, sentiment, event flow, and liquidity.
Whisone v2 splits the read into weighted parts so the score is not just one hidden number.
Fundamentals
Growth, margins, cash flow, and valuation.
Sentiment
Market mood from flow, events, and attention.
Latest net profit
₦3.02B
TTM (2026-08-30)
ROE
15.4%
Return on equity
ROA
0.0%
Return on assets
Debt / equity
0.17
Lower is usually safer.
P/B ratio
1.66
Useful for book value support.
Dividend yield
4.9%
Current income signal.
77/100
Direction
Cautious
Main supports
Business quality and balance-sheet strength are supporting the outlook.
Recent price and fundamentals refreshes improve signal reliability.
What can go wrong
Volatility is elevated, so the path can stay rough even if the thesis is right.
Fair value
₦4.03
Analyst view
n/a
Forecast refresh
Updated 8h ago
Quality score
73
Growth score
50
These are the external analyst numbers and business outlook figures already synced into the company record.
No external analyst outlook is available for this company yet.
₦0.18
2020-06-17
Payment: 2020-06-30 | Qualification: 2020-06-16 | Yield at declaration: N/A
A plain-English reading of momentum, trend, volatility, range position, and trading participation.
RSI
36.1
Momentum is currently in a neutral range.
Recent trend
Falling
-17.6% across the latest saved price window.
Volatility
Low
Beta is 0.50. Price has historically moved more calmly than the wider market.
52-week position
32% of range
Price is sitting around the middle of its 52-week range.
Volume confirmation
0.55x average
Trading activity is broadly within its normal range.
CBN proposed holdco framework
NPFMCRFBK may also move because the FINANCIAL SERVICES sector may move with cbn proposed holdco framework. Confidence 67%.
The proposed CBN holdco framework would change how foreign subsidiaries of Nigerian banks are structured, impacting financial groups listed.
NIIRA 2025 minimum capital requirements
NPFMCRFBK may also move because the FINANCIAL SERVICES sector may move with niira 2025 minimum capital requirements. Confidence 67%.
The industry-wide introduction of higher minimum capital requirements under NIIRA 2025 prompted recapitalisation exercises across insurers.
NIIRA_recapitalisation
NPFMCRFBK may also move because the FINANCIAL SERVICES sector may move with niira_recapitalisation. Confidence 67%.
The NIIRA 2025 law raised minimum capital requirements and introduced an RBC framework, forcing insurance and reinsurance firms to recapitalise by July 31, 2026.
NTA CFC rules & 15% top-up tax
NPFMCRFBK may also move because the FINANCIAL SERVICES sector may move with nta cfc rules & 15% top-up tax. Confidence 67%.
Article states banks and financial groups with regional operations are expected to be affected by the CFC regime and top-up tax.
Open Banking implementation
NPFMCRFBK may also move because the FINANCIAL SERVICES sector may move with open banking implementation. Confidence 67%.
Article states Open Banking is expected to reshape how banks, fintechs and other financial service providers share data and deliver products, requiring regulatory and governance readiness.
PenCom recapitalisation rules
NPFMCRFBK may also move because the FINANCIAL SERVICES sector may move with pencom recapitalisation rules. Confidence 67%.
PenCom's revised minimum capital requirements and June 2027 compliance deadline are prompting industry-wide mergers, recapitalisations or exits among pension fund administrators.
NPFMCRFBK
NPF Microfinance Bank Plc
Price: ₦4.20
P/E: 8.03
Yield: 4.9%
ABBEYBANK
ABBEYBANK
Price: ₦7.70
P/E: 32.39
Yield: 1.5%
ABBEYBDS
Abbey Mortgage Bank Plc
Price: ₦8.50
P/E: 32.39
Yield: 1.5%
ACCESSCORP
Access Holdings Plc
Price: ₦32.10
P/E: 2.09
Yield: N/A
Industry
Commercial Banks
Founded
1993
Employees
620
Exchange
NGX
Ticker
NPFMCRFBK
2026-07-27
NPF MICROFINANCE BANK PLC- QUARTER 2 - FINANCIAL STATEMENT FOR 2026
2026-07-24
Estimated earnings date
2026-07-24
2.44
