NORTHEAST BANK (NBN) Stock Fundamental Analysis

NASDAQ:NBN • US66405S1006

116.62 USD
-0.2 (-0.17%)
At close: Feb 20, 2026
116.62 USD
0 (0%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall NBN gets a fundamental rating of 5 out of 10. We evaluated NBN against 381 industry peers in the Banks industry. There are concerns on the financial health of NBN while its profitability can be described as average. NBN is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

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

  • Looking at the Return On Assets, with a value of 2.13%, NBN belongs to the top of the industry, outperforming 97.38% of the companies in the same industry.
  • NBN has a better Return On Equity (17.30%) than 96.06% of its industry peers.
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 95.01% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NBN has grown nicely.
  • 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) 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • Compared to 1 year ago, NBN has a worse debt to assets ratio.
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
WACC14.14%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.72% 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.
  • NBN shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.20%.
  • NBN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.17% yearly.
EPS 1Y (TTM)20.72%
EPS 3Y23.66%
EPS 5Y31.85%
EPS Q2Q%-9.85%
Revenue 1Y (TTM)25.2%
Revenue growth 3Y25.45%
Revenue growth 5Y22.17%
Sales Q2Q%-4.91%

3.2 Future

  • NBN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.76% yearly.
  • Based on estimates for the next years, NBN will show a quite strong growth in Revenue. The Revenue will grow by 14.96% on average per year.
EPS Next Y13.22%
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

  • 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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.25, the valuation of NBN can be described as reasonable.
  • Based on the Price/Earnings ratio, NBN is valued a bit cheaper than the industry average as 69.29% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of NBN to the average of the S&P500 Index (26.99), we can say NBN is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.93, the valuation of NBN can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NBN indicates a rather cheap valuation: NBN is cheaper than 93.18% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. NBN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.25
Fwd PE 7.93
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

  • NBN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.89
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

  • NBN's 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)0.85
PEG (5Y)0.35
EPS Next 2Y20.76%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.03%, NBN is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.78, NBN's dividend is way lower than its industry peers. On top of this 88.19% 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 1.85.
Industry RankSector Rank
Dividend Yield 0.03%

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
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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Find the best dividend stocksShow peers with best dividend

NORTHEAST BANK

NASDAQ:NBN (2/20/2026, 8:00:01 PM)

After market: 116.62 0 (0%)

116.62

-0.2 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners68.46%
Inst Owner Change-1.88%
Ins Owners13.23%
Ins Owner Change0%
Market Cap998.27M
Revenue(TTM)219.91M
Net Income(TTM)88.88M
Analysts76.67
Price Target129.03 (10.64%)
Short Float %4.8%
Short Ratio3.19
Dividend
Industry RankSector Rank
Dividend Yield 0.03%
Yearly Dividend0.04
Dividend Growth(5Y)-0.82%
DP0.38%
Div Incr Years0
Div Non Decr Years9
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)7.66%
PT rev (3m)13.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.47%
EPS NY rev (1m)5.13%
EPS NY rev (3m)5.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.95%
Revenue NY rev (3m)1.95%
Valuation
Industry RankSector Rank
PE 11.25
Fwd PE 7.93
P/S 4.48
P/FCF 13.89
P/OCF 13.73
P/B 1.94
P/tB 1.95
EV/EBITDA N/A
EPS(TTM)10.37
EY8.89%
EPS(NY)14.7
Fwd EY12.61%
FCF(TTM)8.39
FCFY7.2%
OCF(TTM)8.5
OCFY7.29%
SpS26
BVpS60.01
TBVpS59.93
PEG (NY)0.85
PEG (5Y)0.35
Graham Number118.33
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
WACC14.14%
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)20.72%
EPS 3Y23.66%
EPS 5Y31.85%
EPS Q2Q%-9.85%
EPS Next Y13.22%
EPS Next 2Y20.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.2%
Revenue growth 3Y25.45%
Revenue growth 5Y22.17%
Sales Q2Q%-4.91%
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 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 6 / 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 11.25 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 13.22% in the next year.