📊 NROM Key Takeaways
Is Noble Romans Inc. (NROM) a Good Investment?
Noble Romans demonstrates solid profitability metrics with strong operating margins (18.6%) and ROE (33.7%), but faces significant liquidity constraints that undermine financial stability. The company's weak current ratio (0.40x), elevated leverage (1.29x debt/equity), and deteriorating EPS (-100% YoY) indicate operational challenges that warrant cautious monitoring despite positive free cash flow generation.
Noble Roman’s is profitably operating with an 18.6% operating margin and positive free cash flow on modest revenue growth. However, liquidity is very tight (0.40x current ratio, 0.27x quick ratio) and interest coverage is thin at 1.9x, leaving little cushion against shocks. Until liquidity and coverage improve, balance sheet risk outweighs operating gains.
Why Buy Noble Romans Inc. Stock? NROM Key Strengths
- Strong operating margin of 18.6% demonstrates efficient cost management relative to revenue
- Healthy free cash flow of $801.2K and positive operating cash flow indicate underlying business generates cash
- High ROE of 33.7% suggests efficient use of shareholder capital in generating profits
- Solid operating and net margins (18.6% / 9.5%)
- Positive free cash flow with modest capex (6.7% FCF margin)
- High ROE (33.7%) indicating strong returns on equity
NROM Stock Risks: Noble Romans Inc. Investment Risks
- Severe liquidity crisis with current ratio of 0.40x and quick ratio of 0.27x; company cannot cover short-term obligations with current assets
- High leverage with debt-to-equity of 1.29x and weak interest coverage of 1.9x creates vulnerability to interest rate changes
- Dramatic EPS decline of -100% YoY signals deteriorating per-share profitability despite revenue growth, suggesting dilution or reduced earnings allocation
- Very weak liquidity (current 0.40x, quick 0.27x)
- Thin interest coverage (1.9x) and meaningful leverage (D/E 1.29x)
- Small equity base heightens earnings/EPS volatility and refinancing risk
Key Metrics to Watch
- Current ratio and working capital trends; company needs to improve liquidity position to 1.0x+ for financial stability
- Debt reduction progress and interest coverage ratio; need to see improvement above 2.5x to reduce financial risk
- EPS recovery and per-share profitability; critical to validate whether earnings gains translate to shareholder value
- Interest coverage
- Current ratio
Noble Romans Inc. (NROM) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
NROM Profit Margin, ROE & Profitability Analysis
NROM vs Consumer Sector: How Noble Romans Inc. Compares
How Noble Romans Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Noble Romans Inc. Stock Overvalued? NROM Valuation Analysis 2026
Based on fundamental analysis, Noble Romans Inc. has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Noble Romans Inc. Balance Sheet: NROM Debt, Cash & Liquidity
NROM Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Noble Romans Inc.'s revenue has grown significantly by 22% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.07 reflects profitable operations.
NROM Revenue Growth, EPS Growth & YoY Performance
NROM Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $3.9M | $163.7K | $0.01 |
| Q2 2025 | $3.9M | -$29.6K | $0.00 |
| Q1 2025 | $3.7M | -$86.5K | $0.00 |
| Q3 2024 | $3.7M | $154.5K | $0.01 |
| Q2 2024 | $3.8M | -$29.6K | $0.00 |
| Q1 2024 | $3.3M | -$86.5K | $0.00 |
| Q3 2023 | $3.7M | $3.9K | $0.00 |
| Q2 2023 | $3.7M | -$50.3K | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Noble Romans Inc. Dividends, Buybacks & Capital Allocation
NROM SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Noble Romans Inc. (CIK: 0000709005)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NROM
What is the AI rating for NROM?
Noble Romans Inc. (NROM) has a Combined AI Rating of SELL from Claude (HOLD) and ChatGPT (SELL) with 52% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NROM's key strengths?
Claude: Strong operating margin of 18.6% demonstrates efficient cost management relative to revenue. Healthy free cash flow of $801.2K and positive operating cash flow indicate underlying business generates cash. ChatGPT: Solid operating and net margins (18.6% / 9.5%). Positive free cash flow with modest capex (6.7% FCF margin).
What are the risks of investing in NROM?
Claude: Severe liquidity crisis with current ratio of 0.40x and quick ratio of 0.27x; company cannot cover short-term obligations with current assets. High leverage with debt-to-equity of 1.29x and weak interest coverage of 1.9x creates vulnerability to interest rate changes. ChatGPT: Very weak liquidity (current 0.40x, quick 0.27x). Thin interest coverage (1.9x) and meaningful leverage (D/E 1.29x).
What is NROM's revenue and growth?
Noble Romans Inc. reported revenue of $12.0M.
Does NROM pay dividends?
Noble Romans Inc. does not currently pay dividends.
Where can I find NROM SEC filings?
Official SEC filings for Noble Romans Inc. (CIK: 0000709005) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NROM's EPS?
Noble Romans Inc. has a diluted EPS of $0.04.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NROM a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Noble Romans Inc. has a SELL rating with 52% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is NROM stock overvalued or undervalued?
Valuation metrics for NROM: ROE of 33.7% (sector avg: 18%), net margin of 9.5% (sector avg: 8%). Higher ROE suggests strong returns relative to peers.
Should I buy NROM stock in 2026?
Our dual AI analysis gives Noble Romans Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is NROM's free cash flow?
Noble Romans Inc.'s operating cash flow is $915.6K, with capital expenditures of $114.5K. FCF margin is 6.7%.
How does NROM compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 9.5% (avg: 8%), ROE 33.7% (avg: 18%), current ratio 0.40 (avg: 1.5).
Why is NROM's return on equity (ROE) so high?
Noble Romans Inc. has a return on equity of 33.7%, significantly above the Consumer sector average of 18%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 9.5% net margin.