116 USD
+5.96 (+5.42%)
Overall NBN gets a fundamental rating of 5 out of 10. We evaluated NBN against 383 industry peers in the Banks industry. NBN has a medium profitability rating, but doesn't score so well on its financial health evaluation. NBN is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- NBN had positive earnings in the past year.
- NBN had a positive operating cash flow in the past year.
- NBN had positive earnings in each of the past 5 years.
- Each year in the past 5 years NBN had a positive operating cash flow.
1.2 Ratios
- NBN has a better Return On Assets (2.13%) than 96.87% of its industry peers.
- With an excellent Return On Equity value of 17.30%, NBN belongs to the best of the industry, outperforming 96.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.13% | ||
| ROE | 17.3% | ||
| ROIC | N/A |
ROA(3y)1.78%
ROA(5y)2.26%
ROE(3y)15.75%
ROE(5y)19%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- NBN has a better Profit Margin (39.93%) than 95.04% of its industry peers.
- NBN's Profit Margin has improved in the last couple of years.
- NBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 39.93% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.05%
PM growth 5Y6.2%
GM growth 3YN/A
GM growth 5YN/A
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 more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NBN has a worse debt to assets ratio.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 20.72% over the past year.
- The Earnings Per Share has been growing by 31.85% on average over the past years. This is a very strong growth
- The Revenue has grown by 37.80% in the past year. This is a very strong growth!
- The Revenue has been growing by 22.17% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)20.72%
EPS 3Y23.66%
EPS 5Y31.85%
EPS Q2Q%-9.85%
Revenue 1Y (TTM)37.8%
Revenue growth 3Y25.45%
Revenue growth 5Y22.17%
Sales Q2Q%-4.91%
3.2 Future
- The Earnings Per Share is expected to grow by 16.41% on average over the next years. This is quite good.
- Based on estimates for the next years, NBN will show a quite strong growth in Revenue. The Revenue will grow by 10.21% on average per year.
EPS Next Y7.7%
EPS Next 2Y16.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.18%
Revenue Next 2Y10.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.19, the valuation of NBN can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of NBN indicates a somewhat cheap valuation: NBN is cheaper than 74.93% of the companies listed in the same industry.
- NBN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.82.
- With a Price/Forward Earnings ratio of 8.49, the valuation of NBN can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NBN indicates a rather cheap valuation: NBN is cheaper than 89.30% of the companies listed in the same industry.
- NBN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.95.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 8.49 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of NBN is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as NBN's earnings are expected to grow with 16.41% in the coming years.
PEG (NY)1.45
PEG (5Y)0.35
EPS Next 2Y16.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- NBN has a yearly dividend return of 0.04%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.60, NBN's dividend is way lower than its industry peers. On top of this 87.47% of the companies listed in the same industry pay a better dividend than NBN!
- With a Dividend Yield of 0.04, NBN pays less dividend than the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.04% |
5.2 History
- The dividend of NBN decreases each year by -0.82%.
- NBN has paid a dividend for at least 10 years, which is 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)-0.82%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
- NBN pays out 0.38% of its income as dividend. This is a sustainable payout ratio.
DP0.38%
EPS Next 2Y16.41%
EPS Next 3YN/A
NORTHEAST BANK / NBN FAQ
What is the ChartMill fundamental rating of NORTHEAST BANK (NBN) stock?
ChartMill assigns a fundamental rating of 5 / 10 to NBN.
Can you provide the valuation status for NORTHEAST BANK?
ChartMill assigns a valuation rating of 5 / 10 to NORTHEAST BANK (NBN). This can be considered as Fairly Valued.
Can you provide the profitability details for NORTHEAST BANK?
NORTHEAST BANK (NBN) has a profitability rating of 5 / 10.
What is the valuation of NORTHEAST BANK based on its PE and PB ratios?
The Price/Earnings (PE) ratio for NORTHEAST BANK (NBN) is 11.19 and the Price/Book (PB) ratio is 1.94.
What is the expected EPS growth for NORTHEAST BANK (NBN) stock?
The Earnings per Share (EPS) of NORTHEAST BANK (NBN) is expected to grow by 7.7% in the next year.