NBN Fundamental Analysis - NORTHEAST BANK

Fundamental Rating

Taking everything into account, NBN scores 5 out of 10 in our fundamental rating. NBN was compared to 395 industry peers in the Banks industry. NBN has an average financial health and profitability rating. NBN is growing strongly while it is still valued neutral. This is a good combination!

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1. Profitability

1.1 Basic Checks

In the past year NBN was profitable.

NBN had a positive operating cash flow in the past year.

NBN had positive earnings in each of the past 5 years.

Of the past 5 years NBN 4 years had a positive operating cash flow.

1.2 Ratios

NBN's Return On Assets of 1.74% is amongst the best of the industry. NBN outperforms 93.92% of its industry peers.

NBN's Return On Equity of 15.69% is amongst the best of the industry. NBN outperforms 94.18% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.74%
ROE	15.69%
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

The Profit Margin of NBN (38.58%) is better than 94.68% 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)	38.58%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for NBN has been increased compared to 5 years ago.

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.

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

WACC11.23%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NBN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.63%, which is quite impressive.

NBN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.85% yearly.

Looking at the last year, NBN shows a very strong growth in Revenue. The Revenue has grown by 37.80%.

The Revenue has been growing by 22.17% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)32.63%

EPS 3Y23.66%

EPS 5Y31.85%

EPS Q2Q%57.07%

Revenue 1Y (TTM)37.8%

Revenue growth 3Y25.45%

Revenue growth 5Y22.17%

Sales Q2Q%56.63%

3.2 Future

Based on estimates for the next years, NBN will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.05% on average per year.

NBN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.53% yearly.

EPS Next Y20.15%

EPS Next 2Y13.05%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.21%

Revenue Next 2Y12.53%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.83, which indicates a very decent valuation of NBN.

NBN's Price/Earnings ratio is a bit cheaper when compared to the industry. NBN is cheaper than 73.42% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.84. NBN is valued rather cheaply when compared to this.

NBN is valuated reasonably with a Price/Forward Earnings ratio of 9.01.

NBN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NBN is cheaper than 73.42% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.48. NBN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.83
Fwd PE	9.01

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NBN is valued expensively inside the industry as 83.04% of the companies are valued cheaper.

		Industry Rank	Sector Rank
P/FCF	304.17
EV/EBITDA	N/A

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 13.05% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.54

PEG (5Y)0.34

EPS Next 2Y13.05%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.04%, NBN is not a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.17, NBN's dividend is way lower than its industry peers. On top of this 87.09% of the companies listed in the same industry pay a better dividend than NBN!

Compared to an average S&P500 Dividend Yield of 2.32, NBN's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.04%

5.2 History

The dividend of NBN decreases each year by -1.67%.

NBN has paid a dividend for at least 10 years, which is a reliable track record.

NBN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)-1.67%

Div Incr Years0

Div Non Decr Years9

5.3 Sustainability

NBN pays out 0.45% of its income as dividend. This is a sustainable payout ratio.

DP0.45%

EPS Next 2Y13.05%

EPS Next 3YN/A

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NORTHEAST BANK

NASDAQ:NBN (9/3/2025, 8:00:01 PM)

After market: 109.13 0 (0%)

109.13

-0.21 (-0.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28/amc

Earnings (Next)10-27 2025-10-27/bmo

Inst Owners61.23%

Inst Owner Change-0.21%

Ins Owners8.84%

Ins Owner Change0%

Market Cap926.51M

Analysts76.67

Price Target113.22 (3.75%)

Short Float %3.23%

Short Ratio2.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.04%

Yearly Dividend0.04

Dividend Growth(5Y)-1.67%

DP0.45%

Div Incr Years0

Div Non Decr Years9

Ex-Date09-25 2025-09-25 (0.01)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-7.4%

Min EPS beat(2)-20.36%

Max EPS beat(2)5.56%

EPS beat(4)3

Avg EPS beat(4)2.22%

Min EPS beat(4)-20.36%

Max EPS beat(4)18.03%

EPS beat(8)7

Avg EPS beat(8)6.39%

EPS beat(12)10

Avg EPS beat(12)6.65%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)2.92%

Min Revenue beat(2)-2.69%

Max Revenue beat(2)8.52%

Revenue beat(4)3

Avg Revenue beat(4)6.43%

Min Revenue beat(4)-2.69%

Max Revenue beat(4)15.33%

Revenue beat(8)7

Avg Revenue beat(8)5.54%

Revenue beat(12)9

Avg Revenue beat(12)4.17%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)11%

PT rev (3m)11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)11.53%

EPS NY rev (3m)3.46%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)3.37%

Revenue NY rev (3m)3.37%

Valuation

		Industry Rank	Sector Rank
PE	10.83
Fwd PE	9.01
P/S	4.87
P/FCF	304.17
P/OCF	242.67
P/B	1.98
P/tB	1.99
EV/EBITDA	N/A

EPS(TTM)10.08

EY9.24%

EPS(NY)12.11

Fwd EY11.1%

FCF(TTM)0.36

FCFY0.33%

OCF(TTM)0.45

OCFY0.41%

SpS22.4

BVpS55.07

TBVpS54.97

PEG (NY)0.54

PEG (5Y)0.34

Profitability

		Industry Rank	Sector Rank
ROA	1.74%
ROE	15.69%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	38.58%
GM	N/A
FCFM	1.6%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	25.49%
Cap/Sales	0.41%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	4.15%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC11.23%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)32.63%

EPS 3Y23.66%

EPS 5Y31.85%

EPS Q2Q%57.07%

EPS Next Y20.15%

EPS Next 2Y13.05%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)37.8%

Revenue growth 3Y25.45%

Revenue growth 5Y22.17%

Sales Q2Q%56.63%

Revenue Next Year15.21%

Revenue Next 2Y12.53%

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 1Y-79.33%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-77.5%

OCF growth 3YN/A

OCF growth 5YN/A

NORTHEAST BANK (NBN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens