US · NODK
NI Holdings, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Fargo, ND 58102
- Website
- niholdingsinc.com
Price · as of 2024-12-31
$12.90
Market cap 273.64M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $35.07 | +171.86% |
| Intrinsic Value(DCF) | $11.66 | -9.61% |
| Graham-Dodd Method(GD) | $10.21 | -20.82% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | $10.16 | $10.49 | |||
| 2016 | $14.45 | $52.94 | $0.00 | $7.47 | $4.00 |
| 2017 | $17.57 | $31.51 | $0.03 | $14.65 | $16.38 |
| 2018 | $15.03 | $36.03 | $0.13 | $19.71 | $27.52 |
| 2019 | $14.40 | $34.29 | $146.11 | $19.64 | $41.10 |
| 2020 | $19.40 | $33.79 | $210.35 | $20.53 | $38.51 |
| 2021 | $17.45 | $47.28 | $59.77 | $17.55 | $5.37 |
| 2022 | $12.82 | $171.38 | $0.00 | $0.00 | $21.19 |
| 2023 | $14.24 | $145.67 | $0.00 | $10.29 | $0.00 |
| 2024 | $14.85 | $35.07 | $10.70 | $10.21 | $0.00 |
AI valuation
Our deep-learning model estimates NI Holdings, Inc.'s (NODK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $35.07
- Current price
- $12.90
- AI upside
- +171.86%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$11.66
-9.61% upside
Graham-Dodd
$10.21
-20.82% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NODK | NI Holdings, Inc. | $12.90 | 273.64M | +172% | -10% | -21% | — | 47.22 | 1.27 | 0.96 | 11.05 | — | 1.27 | 14.29% | 3.12% | -1.86% | 2.68% | -47.03% | 1.16% | 0.00 | — | — | — | -4.70 | -19231.00% | 697.00% | 5008.00% | 12.04% | — | -267.32% | 0.00% | 0.00% | 0.05% | 11.79 | 3.19 | 0.37 | 1.88 |
| CBAN | Colony Bankcorp, Inc. | $19.83 | 352.78M | +58% | -22% | -34% | +21% | 11.69 | 1.00 | 1.58 | 12.26 | 120.77 | 1.23 | 63.64% | 16.74% | 13.51% | 8.95% | 9.14% | 0.77% | 0.89 | 0.48 | 0.03 | 0.03 | 5.89 | 968.00% | 1001.00% | 2854.00% | 8.00% | 0.01 | 8.54% | 2.83% | 33.10% | 3.30% | 15.63 | 20.70 | 2.62 | -0.76 |
| CIA | Citizens, Inc. | $5.42 | 272.61M | +487% | -59% | -6% | -51% | 16.35 | 1.16 | 1.00 | 14.26 | — | 191.40 | 49.68% | 6.11% | 6.09% | 7.80% | 8.69% | 0.89% | 0.04 | — | 3.32 | 5.43 | -1.38 | -3958.00% | 180.00% | 4461.00% | 12.82% | 3.62 | 18.22% | 0.00% | 0.00% | 0.16% | 14.84 | 7.11 | 0.91 | 0.34 |
| FINW | FinWise Bancorp | $16.84 | 228.8M | +662% | +40,598% | +27% | +351% | 13.40 | 1.12 | 1.43 | 8.28 | 62.32 | 1.14 | 61.00% | 14.41% | 10.66% | 8.77% | 13.94% | 1.87% | 0.02 | 1.07 | 8.98 | 8.98 | -0.35 | 2151.00% | 5489.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 8.28 | — | 1.19 | 0.63 |
| FNLC | The First Bancorp, Inc. | $27.65 | 310.21M | +24% | -14% | -61% | +101% | 9.85 | 1.05 | 1.61 | 2.53 | — | 1.20 | 48.20% | 19.70% | 16.35% | 10.91% | 77.71% | 0.89% | 0.58 | 0.38 | 0.12 | 0.12 | 2.77 | -865.00% | 1519.00% | -2833.00% | 9.23% | 0.01 | 70.61% | 5.93% | 58.40% | 6.01% | 2.71 | 3.59 | 0.53 | -0.69 |
| ISBA | Isabella Bank Corporation | $47.56 | 348.86M | +241% | -10% | -21% | -4% | 18.94 | 1.55 | 3.20 | -0.90 | 50.34 | 1.96 | 70.60% | 19.76% | 16.88% | 8.56% | -45.32% | 0.88% | 0.62 | 0.66 | 0.43 | 0.43 | 5.40 | 3763.00% | 1011.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.90 | — | -0.18 | -0.10 |
| JMSB | John Marshall Bancorp, In… | $19.20 | 272.73M | +102% | -12% | +2% | +137% | 14.21 | 0.99 | 2.16 | 7.90 | 6.09 | 0.99 | 47.76% | 19.46% | 15.23% | 7.19% | 18.06% | 0.76% | 0.35 | 0.37 | 0.08 | 0.08 | -1.54 | 23333.00% | 3096.00% | -354.00% | 6.90% | 0.01 | 17.70% | 1.46% | 20.80% | 1.49% | 8.51 | 11.10 | 1.66 | -0.68 |
| KINS | Kingstone Companies, Inc. | $16.48 | 233.15M | +4,291% | +540% | -16% | +49% | 9.24 | 2.54 | 1.09 | 5.20 | — | 2.56 | 37.76% | 15.01% | 11.83% | 36.28% | -75.02% | 5.30% | 0.17 | 6.63 | 2.73 | 11.40 | -0.60 | -35965.00% | 760.00% | -52276.00% | 32.79% | 5.51 | -227.26% | 0.00% | 0.00% | 19.91% | 6.53 | 2.74 | 0.98 | 0.99 |
| MBCN | Middlefield Banc Corp. | $33.67 | 272.39M | +279% | -24% | +7% | -17% | 14.01 | 1.19 | 2.42 | 11.87 | 57.25 | 1.44 | 65.85% | 20.91% | 17.29% | 8.82% | 9.27% | 1.03% | 0.81 | 0.60 | 0.40 | 1.53 | -1.54 | 2448.00% | 354.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 63.96% | 11.87 | — | 2.48 | 0.24 |
| NEWT | NewtekOne, Inc. | $12.28 | 354.74M | +171% | +64% | +73% | +451% | 5.63 | 0.97 | 0.90 | 9.19 | 132.41 | 1.02 | 66.34% | 21.54% | 15.95% | 18.65% | 7.25% | 2.91% | 2.41 | 0.85 | 0.42 | 0.42 | 5.13 | 426.00% | 2612.00% | -956.00% | -53.55% | -0.14 | -21.87% | 0.15% | 0.90% | 47.97% | 9.43 | -4.22 | 2.03 | 0.04 |
About NI Holdings, Inc.
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company's products include private passenger auto, non-standard automobile, homeowners, farm owners, crop hail and multi-peril crop, and liability insurance policies. The company was founded in 1946 and is headquartered in Fargo, North Dakota. NI Holdings, Inc. is a subsidiary of Nodak Mutual Group, Inc.
- CEO
- Cindy L. Launer
- Employees
- 202
- Beta
- 0.39
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($11.66 ÷ $12.90) − 1 = -9.61% (DCF, example).