(NBN) Northeast Bancorp - Overview
Stock: Deposits, Loans, Cards, Digital, Payments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.04% |
| Yield on Cost 5y | 0.18% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 91.1% |
| Payout Ratio | 0.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 36.1% |
| Relative Tail Risk | -12.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.52 |
| Alpha | 7.49 |
| Character TTM | |
|---|---|
| Beta | 0.866 |
| Beta Downside | 1.129 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.57% |
| CAGR/Max DD | 1.49 |
Description: NBN Northeast Bancorp January 21, 2026
Northeast Bancorp (NASDAQ: NBN) is a community-focused regional bank headquartered in Portland, Maine, offering a full suite of deposit and loan products to individuals and businesses. Its deposit lineup spans demand accounts, NOW accounts, money-market, savings, CDs, and checking, while its loan book includes residential mortgages, multifamily and commercial real-estate financing, term and revolving credit for commercial and industrial borrowers, as well as consumer loans such as mobile-home, overdraft, and deposit-secured lending. The bank also delivers digital channels-including telephone, online, mobile banking, remote deposit capture-and traditional card, ATM, and electronic transfer services.
As of Q4 2024, NBN reported total assets of approximately $4.2 billion, a net interest margin (NIM) of 3.1 %-slightly above the regional-bank average of ~2.9 %-and a loan-to-deposit ratio of 71 %, indicating a conservative balance-sheet stance. The company’s earnings per share (EPS) grew 12 % YoY, driven by higher mortgage-originations and a modest uptick in commercial-real-estate loan demand, while deposit growth remained flat amid a competitive rate-shopping environment. Key sector drivers include the Federal Reserve’s policy rate trajectory, which influences both net interest income and loan demand, and regional economic trends in New England, where modest population growth supports steady retail banking activity.
For a deeper quantitative view, you may want to explore ValueRay’s detailed valuation metrics for NBN.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 87.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.25 > 1.0 |
| NWC/Revenue: -824.8% < 20% (prev -931.6%; Δ 106.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 72.7m > Net Income 87.2m |
| Net Debt (537.5m) to EBITDA (131.2m): 4.10 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.41m) vs 12m ago 2.53% < -2% |
| Gross Margin: 58.41% > 18% (prev 0.57%; Δ 5784 % > 0.5%) |
| Asset Turnover: 7.87% > 50% (prev 7.22%; Δ 0.65% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBITDA TTM 131.2m / Interest Expense TTM 140.9m) |
Altman Z'' -3.35
| A: -0.59 (Total Current Assets 445.8m - Total Current Liabilities 3.38b) / Total Assets 4.95b |
| B: 0.09 (Retained Earnings 430.1m / Total Assets 4.95b) |
| C: 0.02 (EBIT TTM 98.7m / Avg Total Assets 4.52b) |
| D: 0.10 (Book Value of Equity 438.7m / Total Liabilities 4.41b) |
| Altman-Z'' Score: -3.35 = D |
Beneish M -3.04
| DSRI: 0.83 (Receivables 16.9m/16.9m, Revenue 355.2m/294.8m) |
| GMI: 0.97 (GM 58.41% / 56.69%) |
| AQI: 1.01 (AQ_t 0.91 / AQ_t-1 0.89) |
| SGI: 1.21 (Revenue 355.2m / 294.8m) |
| TATA: 0.00 (NI 87.2m - CFO 72.7m) / TA 4.95b) |
| Beneish M-Score: -3.04 (Cap -4..+1) = AA |
What is the price of NBN shares?
Over the past week, the price has changed by +8.77%, over one month by +16.50%, over three months by +49.05% and over the past year by +17.92%.
Is NBN a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the NBN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 126.5 | 0.9% |
| Analysts Target Price | 126.5 | 0.9% |
| ValueRay Target Price | 166.7 | 33% |
NBN Fundamental Data Overview January 31, 2026
P/S = 4.7143
P/B = 1.9493
Revenue TTM = 355.2m USD
EBIT TTM = 98.7m USD
EBITDA TTM = 131.2m USD
Long Term Debt = 313.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 9.73m USD (from shortTermDebt, last fiscal year)
Debt = 537.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 537.5m USD (from netDebt column, last quarter)
Enterprise Value = 1.11b USD (1.00b + Debt 537.5m - CCE 428.9m)
Interest Coverage Ratio = 0.70 (Ebit TTM 98.7m / Interest Expense TTM 140.9m)
EV/FCF = 15.49x (Enterprise Value 1.11b / FCF TTM 71.8m)
FCF Yield = 6.45% (FCF TTM 71.8m / Enterprise Value 1.11b)
FCF Margin = 20.23% (FCF TTM 71.8m / Revenue TTM 355.2m)
Net Margin = 24.54% (Net Income TTM 87.2m / Revenue TTM 355.2m)
Gross Margin = 58.41% ((Revenue TTM 355.2m - Cost of Revenue TTM 147.8m) / Revenue TTM)
Gross Margin QoQ = 58.46% (prev 59.10%)
Tobins Q-Ratio = 0.22 (Enterprise Value 1.11b / Total Assets 4.95b)
Interest Expense / Debt = 6.57% (Interest Expense 35.3m / Debt 537.5m)
Taxrate = 31.14% (9.38m / 30.1m)
NOPAT = 67.9m (EBIT 98.7m * (1 - 31.14%))
Current Ratio = 0.13 (Total Current Assets 445.8m / Total Current Liabilities 3.38b)
Debt / Equity = 1.00 (Debt 537.5m / totalStockholderEquity, last quarter 536.0m)
Debt / EBITDA = 4.10 (Net Debt 537.5m / EBITDA 131.2m)
Debt / FCF = 7.48 (Net Debt 537.5m / FCF TTM 71.8m)
Total Stockholder Equity = 502.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.93% (Net Income 87.2m / Total Assets 4.95b)
RoE = 17.34% (Net Income TTM 87.2m / Total Stockholder Equity 502.9m)
RoCE = 12.09% (EBIT 98.7m / Capital Employed (Equity 502.9m + L.T.Debt 313.1m))
RoIC = 8.18% (NOPAT 67.9m / Invested Capital 830.3m)
WACC = 7.51% (E(1.00b)/V(1.54b) * Re(9.11%) + D(537.5m)/V(1.54b) * Rd(6.57%) * (1-Tc(0.31)))
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 5.23%
[DCF Debug] Terminal Value 72.52% ; FCFF base≈46.5m ; Y1≈30.5m ; Y5≈13.9m
Fair Price DCF = N/A (negative equity: EV 298.2m - Net Debt 537.5m = -239.3m; debt exceeds intrinsic value)
EPS Correlation: 83.03 | EPS CAGR: 17.25% | SUE: 0.10 | # QB: 0
Revenue Correlation: 91.69 | Revenue CAGR: 36.68% | SUE: 0.38 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.00 | Chg30d=+0.065 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-06-30): EPS=11.30 | Chg30d=-0.460 | Revisions Net=+0 | Growth EPS=+12.1% | Growth Revenue=+8.1%
EPS next Year (2027-06-30): EPS=13.90 | Chg30d=+1.900 | Revisions Net=+0 | Growth EPS=+23.0% | Growth Revenue=+18.7%