NBN Stock Analysis: Northeast Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.176m USD | 12M Return: 40.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 20.0M
EPS Trend: 98.5%
Qual. Beats: 1
Rev. Trend: 97.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Northeast Bank, founded in 1872 and headquartered in Portland, Maine, operates as a community-focused regional bank serving individual and corporate customers throughout Maine. The companys core operations revolve around traditional banking activities, including gathering deposits and originating a diversified loan portfolio spanning residential mortgages, commercial real estate, commercial and industrial loans, and consumer lending products.
The bank offers a full suite of deposit products, including demand deposit, NOW, money market, savings, certificate of deposit, and checking accounts. Its lending activities are similarly broad, covering residential mortgages, multi-family and commercial real estate, commercial and industrial financing (such as term loans, lines of credit, and equipment/receivables financing), and consumer loans including mobile home, overdraft, and deposit-secured products.
Northeast Bank complements its core deposit and lending services with modern digital and payment solutions, including telephone, online, and mobile banking, bill payment, remote deposit capture, and debit/credit card services, alongside ATM, electronic transfer, and check processing capabilities. Community-oriented banks like Northeast Bank typically operate under state and federal regulatory oversight, including FDIC supervision, and rely primarily on local deposit funding to support relationship-based lending within their geographic footprint.
- Net interest margin expands as loan portfolio grows
- Loan Acquisition and Servicing segment drives fee income
- Maine commercial real estate concentration raises credit risk concerns
| Net Income: 98.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.01 > 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 56.51%; Δ 3.92% > 0.5%) |
| Asset Turnover: 8.11% > 50% (prev 7.44%; Δ 0.66% > 0%) |
| Interest Coverage Ratio: 0.98 > 6 (EBIT TTM 142.5m / 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: 0.13 (Book Value of Equity 567.7m / Total Liabilities 4.47b) |
| Altman-Z'' = -4.31 = D |
| DSRI: 0.92 (Receivables 19.2m/17.4m, Revenue 375.5m/314.7m) |
| GMI: 0.94 (GM 56.51% / 60.44%) |
| 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 = -2.95 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 132.67 with a total of 143,758 shares traded. Over the past week, the price has changed by -0.29%, over one month by +10.13%, over three months by +12.41% and over the past year by +40.71%.
Current recommended Stop Loss: 126.80 (which is 4.4% or 1.2 ATR below the current price).
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 | 2.9% |
P/E Trailing = 11.7832
P/E Forward = 16.2602
P/S = 5.1091
P/B = 2.0724
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 = 1.93b USD (1.18b + Debt 755.5m - CCE 2.40m)
Interest Coverage Ratio = 0.98 (Ebit TTM 142.5m / Interest Expense TTM 144.9m)
EV/FCF = 649.2x (Enterprise Value 1.93b / FCF TTM 2.97m)
FCF Yield = 0.15% (FCF TTM 2.97m / Enterprise Value 1.93b)
FCF Margin = 0.79% (FCF TTM 2.97m / 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 = 0.38 (Enterprise Value 1.93b / Total Assets 5.03b)
Interest Expense / Debt = 19.17% (Interest Expense 144.9m / Debt 755.5m)
Taxrate = 30.97% (44.1m / 142.5m)
NOPAT = 98.4m (EBIT 142.5m * (1 - 30.97%))
Current Ratio = 0.01 (Total Current Assets 21.6m / Total Current Liabilities 3.82b)
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 = 253.4 (Net Debt 753.1m / FCF TTM 2.97m)
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 = 1.95% (NOPAT 98.4m / Invested Capital 5.03b)
WACC = 10.60% (E(1.18b)/V(1.93b) * Re(8.90%) + D(755.5m)/V(1.93b) * Rd(19.17%) * (1-Tc(0.31)))
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 4.86%
[DCF] Terminal Value 67.59% ; FCFF base≈3.00m ; Y1≈2.95m ; Y5≈3.00m
[DCF] Fair Price = N/A (negative equity: EV 34.0m - Net Debt 753.1m = -719.1m; debt exceeds intrinsic value)
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 current Quarter (2026-09-30): EPS=3.44 | Chg30d=+2.99% | Revisions=+40% | Analysts=2
EPS current Year (2026-06-30): EPS=12.10 | Chg30d=+7.08% | Revisions=+25% | GrowthEPS=+20.0% | GrowthRev=+11.9%
EPS next Year (2027-06-30): EPS=14.50 | Chg30d=+4.32% | Revisions=+25% | GrowthEPS=+19.8% | GrowthRev=+17.4%
[Analyst] Revisions Ratio: +57% (up=4, down=0)