(NBN) Northeast Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.043m USD | Total Return: 48.9% in 12m
Avg Turnover: 11.7M
EPS Trend: 98.5%
Qual. Beats: 1
Rev. Trend: 97.8%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
Northeast Bank (NBN) is a Maine-based financial institution founded in 1872 that offers a full suite of traditional banking services to retail and corporate clients. Its operations focus on generating interest income through a diversified loan portfolio that includes residential mortgages, multi-family and commercial real estate, and commercial and industrial financing. The bank supports these lending activities through various deposit vehicles, including demand deposits, money market accounts, and certificates of deposit.
As a regional bank, NBN operates within a sector where profitability is heavily influenced by the net interest margin-the difference between interest earned on loans and interest paid on deposits. Unlike larger national banks, regional banks often rely on localized economic conditions and specialized commercial lending niches to maintain competitive advantages. For a deeper look at the fundamental metrics driving this banks performance, ValueRay provides comprehensive analytical tools. Northeast Bank also maintains a modern service infrastructure, offering digital banking, remote deposit capture, and electronic transfer services to compete with larger financial entities.
- National lending platform expansion drives loan yield and asset growth
- Interest rate volatility impacts cost of funds and net interest margin
- Commercial real estate concentration increases credit risk and loss provision sensitivity
- Regulatory capital requirements limit leverage potential and share repurchase activity
- Strategic investment in fintech partnerships enhances low-cost core deposit acquisition
| Net Income: 98.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.20 > 1.0 |
| NWC/Revenue: -1.01k% < 20% (prev -926.8%; Δ -84.59% < -1%) |
| CFO/TA 0.00 > 3% & CFO 3.98m > Net Income 98.3m |
| Net Debt (753.1m) to EBITDA (145.6m): 5.17 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.45m) vs 12m ago 0.62% < -2% |
| Gross Margin: 60.44% > 18% (prev 0.57%; Δ 5.99k% > 0.5%) |
| Asset Turnover: 8.11% > 50% (prev 7.44%; Δ 0.66% > 0%) |
| Interest Coverage Ratio: 0.98 > 6 (EBITDA TTM 145.6m / Interest Expense TTM 144.9m) |
| A: -0.75 (Total Current Assets 21.6m - Total Current Liabilities 3.82b) / Total Assets 5.03b |
| B: 0.09 (Retained Earnings 459.9m / Total Assets 5.03b) |
| C: 0.03 (EBIT TTM 142.5m / Avg Total Assets 4.63b) |
| D: 0.10 (Book Value of Equity 468.5m / Total Liabilities 4.47b) |
| Altman-Z'' = -4.33 = D |
| DSRI: 0.92 (Receivables 19.2m/17.4m, Revenue 375.5m/314.7m) |
| GMI: 0.94 (GM 60.44% / 56.51%) |
| AQI: 1.10 (AQ_t 0.99 / AQ_t-1 0.90) |
| SGI: 1.19 (Revenue 375.5m / 314.7m) |
| TATA: 0.02 (NI 98.3m - CFO 3.98m) / TA 5.03b) |
| Beneish M = -2.93 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at USD 124.27 with a total of 197,638 shares traded.
Over the past week, the price has changed by +7.22%,
over one month by +1.90%,
over three months by +9.48% and
over the past year by +48.85%.
Northeast Bancorp has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold NBN.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 136.5 | 9.8% |
P/E Forward = 16.2602
P/S = 4.531
P/B = 1.7698
P/EG = 5.2723
Revenue TTM = 375.5m USD
EBIT TTM = 142.5m USD
EBITDA TTM = 145.6m USD
Long Term Debt = 720.1m USD (from longTermDebt, last quarter)
Short Term Debt = 84.3m USD (from shortTermDebt, last quarter)
Debt = 755.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 17.7m
Net Debt = 753.1m USD (calculated: Debt 755.5m - CCE 2.40m)
Enterprise Value = 1.80b USD (1.04b + Debt 755.5m - CCE 2.40m)
Interest Coverage Ratio = 0.98 (Ebit TTM 142.5m / Interest Expense TTM 144.9m)
EV/FCF = 16.64x (Enterprise Value 1.80b / FCF TTM 108.0m)
FCF Yield = 6.01% (FCF TTM 108.0m / Enterprise Value 1.80b)
FCF Margin = 28.76% (FCF TTM 108.0m / Revenue TTM 375.5m)
Net Margin = 26.19% (Net Income TTM 98.3m / Revenue TTM 375.5m)
Gross Margin = 60.44% ((Revenue TTM 375.5m - Cost of Revenue TTM 148.6m) / Revenue TTM)
Gross Margin QoQ = 63.40% (prev 58.46%)
Tobins Q-Ratio = 0.36 (Enterprise Value 1.80b / Total Assets 5.03b)
Interest Expense / Debt = 19.17% (Interest Expense 144.9m / Debt 755.5m)
Taxrate = 30.89% (13.3m / 43.2m)
NOPAT = 98.5m (EBIT 142.5m * (1 - 30.89%))
Current Ratio = 0.00 (Total Current Assets 21.6m / Total Current Liabilities 6.05b)
Debt / Equity = 1.33 (Debt 755.5m / totalStockholderEquity, last quarter 567.7m)
Debt / EBITDA = 5.17 (Net Debt 753.1m / EBITDA 145.6m)
Debt / FCF = 6.97 (Net Debt 753.1m / FCF TTM 108.0m)
Total Stockholder Equity = 527.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.12% (Net Income 98.3m / Total Assets 5.03b)
RoE = 18.63% (Net Income TTM 98.3m / Total Stockholder Equity 527.9m)
RoCE = 11.42% (EBIT 142.5m / Capital Employed (Equity 527.9m + L.T.Debt 720.1m))
RoIC = 1.96% (NOPAT 98.5m / Invested Capital 5.03b)
WACC = 10.98% (E(1.04b)/V(1.80b) * Re(9.34%) + D(755.5m)/V(1.80b) * Rd(19.17%) * (1-Tc(0.31)))
Discount Rate = 9.34% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 4.86%
[DCF] Terminal Value 69.94% ; FCFF base≈97.6m ; Y1≈111.9m ; Y5≈164.7m
[DCF] Fair Price = 109.5 (EV 1.69b - Net Debt 753.1m = Equity 936.6m / Shares 8.56m; r=10.98% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 98.45 | EPS CAGR: 25.29% | SUE: 1.80 | # QB: 1
Revenue Correlation: 97.79 | Revenue CAGR: 28.02% | SUE: 0.52 | # QB: 0
EPS next Quarter (2026-09-30): EPS=3.44 | Chg30d=+2.99% | Revisions=+33% | Analysts=2
EPS current Year (2026-06-30): EPS=12.10 | Chg30d=+7.08% | Revisions=+20% | GrowthEPS=+20.0% | GrowthRev=+11.9%
EPS next Year (2027-06-30): EPS=14.50 | Chg30d=+4.32% | Revisions=+20% | GrowthEPS=+19.8% | GrowthRev=+17.4%
[Analyst] Revisions Ratio: +33%