NORTHEAST BANK (NBN)

US66405S1006 - Common Stock

55.34  +0.02 (+0.04%)

After market: 55.34 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NBN. NBN was compared to 415 industry peers in the Banks industry. NBN has only an average score on both its financial health and profitability. NBN is quite expensive at the moment. It does show a decent growth rate.



5

1. Profitability

1.1 Basic Checks

In the past year NBN was profitable.
In the past year NBN had a positive cash flow from operations.
In the past 5 years NBN has always been profitable.
NBN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

NBN's Return On Assets of 1.78% is amongst the best of the industry. NBN outperforms 93.25% of its industry peers.
NBN has a better Return On Equity (16.39%) than 90.84% of its industry peers.
Industry RankSector Rank
ROA 1.78%
ROE 16.39%
ROIC N/A
ROA(3y)2.5%
ROA(5y)2.1%
ROE(3y)20.89%
ROE(5y)17.1%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

NBN has a better Profit Margin (37.38%) than 91.08% of its industry peers.
NBN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for NBN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 37.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.06%
PM growth 5Y5.8%
GM growth 3YN/A
GM growth 5YN/A

4

2. Health

2.1 Basic Checks

NBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
NBN has more shares outstanding than it did 1 year ago.
NBN has less shares outstanding than it did 5 years ago.
NBN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

NBN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC10.58%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

5

3. Growth

3.1 Past

NBN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.48%, which is quite impressive.
The Earnings Per Share has been growing by 28.67% on average over the past years. This is a very strong growth
Looking at the last year, NBN shows a very strong growth in Revenue. The Revenue has grown by 28.94%.
The Revenue has been growing by 15.53% on average over the past years. This is quite good.
EPS 1Y (TTM)30.48%
EPS 3Y33.06%
EPS 5Y28.67%
EPS growth Q2Q79.46%
Revenue 1Y (TTM)28.94%
Revenue growth 3Y16.64%
Revenue growth 5Y15.53%
Revenue growth Q2Q49.74%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.08, the valuation of NBN can be described as very reasonable.
NBN's Price/Earnings ratio is a bit cheaper when compared to the industry. NBN is cheaper than 74.46% of the companies in the same industry.
NBN is valuated cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.08
Fwd PE N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as NBN.
Industry RankSector Rank
P/FCF 8.62
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2YN/A
EPS Next 3YN/A

3

5. Dividend

5.1 Amount

NBN has a yearly dividend return of 0.07%, which is pretty low.
With a Dividend Yield of 0.07, NBN pays less dividend than the industry average, which is at 3.70. 88.43% of the companies listed in the same industry pay a better dividend than NBN!
Compared to an average S&P500 Dividend Yield of 2.34, NBN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.07%

5.2 History

The dividend of NBN decreases each year by -2.60%.
NBN has been paying a dividend for at least 10 years, so it has a reliable track record.
As NBN did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-2.6%
Div Incr Years0
Div Non Decr Years8

5.3 Sustainability

0.61% of the earnings are spent on dividend by NBN. This is a low number and sustainable payout ratio.
DP0.61%
EPS Next 2YN/A
EPS Next 3YN/A

NORTHEAST BANK

NASDAQ:NBN (3/28/2024, 8:26:35 PM)

After market: 55.34 0 (0%)

55.34

+0.02 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap424.46M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 0.07%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.08
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.28
Profitability
Industry RankSector Rank
ROA 1.78%
ROE 16.39%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 37.38%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)30.48%
EPS 3Y33.06%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)28.94%
Revenue growth 3Y16.64%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y