NORTHEAST BANK (NBN) Fundamental Analysis & Valuation

NASDAQ:NBN • US66405S1006

Current stock price

125.1 USD
+0.75 (+0.6%)
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125.1 USD
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This NBN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NBN Profitability Analysis

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.
NBN Yearly Net Income VS EBIT VS OCF VS FCFNBN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • NBN's Return On Assets of 2.13% is amongst the best of the industry. NBN outperforms 97.34% of its industry peers.
  • Looking at the Return On Equity, with a value of 17.30%, NBN belongs to the top of the industry, outperforming 96.54% of the companies in the same industry.
Industry RankSector 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
NBN Yearly ROA, ROE, ROICNBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 39.93%, NBN belongs to the best of the industry, outperforming 94.41% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NBN has grown nicely.
  • NBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
NBN Yearly Profit, Operating, Gross MarginsNBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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3

2. NBN Health Analysis

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.
  • NBN has a worse debt/assets ratio than last year.
NBN Yearly Shares OutstandingNBN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
NBN Yearly Total Debt VS Total AssetsNBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • There is no outstanding debt for NBN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.09%
NBN Yearly LT Debt VS Equity VS FCFNBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NBN Yearly Current Assets VS Current LiabilitesNBN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. NBN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 29.81% over the past year.
  • Measured over the past years, NBN shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.85% on average per year.
  • Looking at the last year, NBN shows a very strong growth in Revenue. The Revenue has grown by 37.80%.
  • Measured over the past years, NBN shows a very strong growth in Revenue. The Revenue has been growing by 22.17% on average per year.
EPS 1Y (TTM)29.81%
EPS 3Y23.66%
EPS 5Y31.85%
EPS Q2Q%58.3%
Revenue 1Y (TTM)37.8%
Revenue growth 3Y25.45%
Revenue growth 5Y22.17%
Sales Q2Q%26.73%

3.2 Future

  • Based on estimates for the next years, NBN will show a very strong growth in Earnings Per Share. The EPS will grow by 20.76% on average per year.
  • NBN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.96% yearly.
EPS Next Y23.49%
EPS Next 2Y20.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.31%
Revenue Next 2Y14.96%
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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
NBN Yearly Revenue VS EstimatesNBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
NBN Yearly EPS VS EstimatesNBN Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2021 2022 2023 2024 2025 2026 2027 5 10

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5

4. NBN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.72 indicates a reasonable valuation of NBN.
  • Compared to the rest of the industry, the Price/Earnings ratio of NBN indicates a somewhat cheap valuation: NBN is cheaper than 70.74% 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 26.64.
  • With a Price/Forward Earnings ratio of 8.51, the valuation of NBN can be described as very reasonable.
  • 77.39% of the companies in the same industry are more expensive than NBN, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of NBN to the average of the S&P500 Index (21.36), we can say NBN is valued rather cheaply.
Industry RankSector Rank
PE 10.72
Fwd PE 8.51
NBN Price Earnings VS Forward Price EarningsNBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NBN is valued a bit more expensive than the industry average as 60.11% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.9
EV/EBITDA N/A
NBN Per share dataNBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NBN's earnings are expected to grow with 20.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)0.34
EPS Next 2Y20.76%
EPS Next 3YN/A

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4

5. NBN Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.03%, NBN is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.03, NBN pays less dividend than the industry average, which is at 2.56. 88.56% of the companies listed in the same industry pay a better dividend than NBN!
  • With a Dividend Yield of 0.03, NBN pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.03%

5.2 History

  • The dividend of NBN decreases each year by -0.82%.
  • NBN has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NBN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.82%
Div Incr Years0
Div Non Decr Years10
NBN Yearly Dividends per shareNBN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • NBN pays out 0.38% of its income as dividend. This is a sustainable payout ratio.
DP0.38%
EPS Next 2Y20.76%
EPS Next 3YN/A
NBN Yearly Income VS Free CF VS DividendNBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
NBN Dividend Payout.NBN Dividend Payout, showing the Payout Ratio.NBN Dividend Payout.PayoutRetained Earnings

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NBN Fundamentals: All Metrics, Ratios and Statistics

NORTHEAST BANK

NASDAQ:NBN (5/1/2026, 8:00:01 PM)

After market: 125.1 0 (0%)

125.1

+0.75 (+0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-27
Earnings (Next)07-27
Inst Owners69.6%
Inst Owner Change1.84%
Ins Owners13.26%
Ins Owner Change0%
Market Cap1.07B
Revenue(TTM)212.83M
Net Income(TTM)88.88M
Analysts76.67
Price Target129.03 (3.14%)
Short Float %6.42%
Short Ratio4.26
Dividend
Industry RankSector Rank
Dividend Yield 0.03%
Yearly Dividend0.04
Dividend Growth(5Y)-0.82%
DP0.38%
Div Incr Years0
Div Non Decr Years10
Ex-Date02-11
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.17%
Min EPS beat(2)-1.29%
Max EPS beat(2)15.62%
EPS beat(4)2
Avg EPS beat(4)-0.12%
Min EPS beat(4)-20.36%
Max EPS beat(4)15.62%
EPS beat(8)6
Avg EPS beat(8)4.38%
EPS beat(12)10
Avg EPS beat(12)7.19%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)1.03%
Min Revenue beat(2)-7.8%
Max Revenue beat(2)9.87%
Revenue beat(4)2
Avg Revenue beat(4)1.98%
Min Revenue beat(4)-7.8%
Max Revenue beat(4)9.87%
Revenue beat(8)6
Avg Revenue beat(8)4.31%
Revenue beat(12)9
Avg Revenue beat(12)4.43%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)7.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)9.07%
EPS NY rev (3m)14.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.95%
Valuation
Industry RankSector Rank
PE 10.72
Fwd PE 8.51
P/S 4.81
P/FCF 14.9
P/OCF 14.72
P/B 2.08
P/tB 2.09
EV/EBITDA N/A
EPS(TTM)11.67
EY9.33%
EPS(NY)14.7
Fwd EY11.75%
FCF(TTM)8.39
FCFY6.71%
OCF(TTM)8.5
OCFY6.79%
SpS26
BVpS60.01
TBVpS59.93
PEG (NY)0.46
PEG (5Y)0.34
Graham Number125.523 (0.34%)
Profitability
Industry RankSector Rank
ROA 2.13%
ROE 17.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 39.93%
GM N/A
FCFM 32.28%
ROA(3y)1.78%
ROA(5y)2.26%
ROE(3y)15.75%
ROE(5y)19%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 27.97%
Cap/Sales 0.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 80.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.09%
ROIC/WACCN/A
Cap/Depr(3y)59.7%
Cap/Depr(5y)53.66%
Cap/Sales(3y)1.3%
Cap/Sales(5y)1.16%
Profit Quality(3y)64.88%
Profit Quality(5y)54.86%
High Growth Momentum
Growth
EPS 1Y (TTM)29.81%
EPS 3Y23.66%
EPS 5Y31.85%
EPS Q2Q%58.3%
EPS Next Y23.49%
EPS Next 2Y20.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)37.8%
Revenue growth 3Y25.45%
Revenue growth 5Y22.17%
Sales Q2Q%26.73%
Revenue Next Year11.31%
Revenue Next 2Y14.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y45.86%
FCF growth 3Y21.97%
FCF growth 5Y28.66%
OCF growth 1Y36.81%
OCF growth 3Y21.07%
OCF growth 5Y27.11%

NORTHEAST BANK / NBN Fundamental Analysis 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.


What is the profitability of NBN stock?

NORTHEAST BANK (NBN) has a profitability rating of 5 / 10.


What are the PE and PB ratios of NORTHEAST BANK (NBN) stock?

The Price/Earnings (PE) ratio for NORTHEAST BANK (NBN) is 10.72 and the Price/Book (PB) ratio is 2.08.


Is the dividend of NORTHEAST BANK sustainable?

The dividend rating of NORTHEAST BANK (NBN) is 4 / 10 and the dividend payout ratio is 0.38%.