Nobility Homes (NOBH) Stock Analysis & Winston Score

Nobility Homes builds and sells manufactured homes, which are houses built in a factory and then moved to a permanent location. The company sells these homes through its own retail stores, mostly to buyers in Florida who want an affordable alternative to traditional site-built housing. Nobility also owns a stake in a financial services company that helps customers get loans to buy these homes.

The company makes money by selling homes directly to customers through its network of retail locations, keeping costs low by controlling both manufacturing and retail. Nobility operates almost entirely within Florida, making it a small, regional business with a market cap around $100 million. Its tight geographic focus and vertically integrated model help protect margins, but that same concentration in one state is also a key risk — any slowdown in Florida's housing market or a major hurricane season could meaningfully hurt sales.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-14.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-18.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

68.1%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$11M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Nobility Homes's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

30.4%

Modest — 30.4% gross margin

Operating Margin

17.4%

Healthy — 17.4% operating margin

ROCE

3.1%

Weak — 3.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+3.1%

Slow sales growth (3.1% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

44%

Weak — only 44% of profit becomes cash

FCF Margin

6.9%

Modest free cash flow (6.9%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

12.8x

no trend

Attractive valuation — P/E 12.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

4.85%

no trend

Healthy income — 4.85% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+31.3%

no trend

Dividend growing fast (31.3% YoY)

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