NORTHEAST BANK (NBN) Stock Fundamental Analysis
USA - NASDAQ:NBN - US66405S1006 - Common Stock
85.63 USD
+0.56 (+0.66%)
NBN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. While NBN is still in line with the averages on profitability rating, there are concerns on its financial health. NBN is not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
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.
1.2 Ratios
NBN has a better Return On Assets (1.95%) than 96.39% of its industry peers.
Looking at the Return On Equity, with a value of 16.88%, NBN belongs to the top of the industry, outperforming 96.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.95% | ||
| ROE | 16.88% | ||
| 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
With an excellent Profit Margin value of 39.21%, NBN belongs to the best of the industry, outperforming 94.85% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 39.21% | ||
| 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.
Compared to 1 year ago, NBN has more shares outstanding
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.
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
WACC15.51%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NBN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.18%, which is quite impressive.
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 39.40%.
The Revenue has been growing by 22.17% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)38.18%
EPS 3Y23.66%
EPS 5Y31.85%
EPS Q2Q%26.54%
Revenue 1Y (TTM)39.4%
Revenue growth 3Y25.45%
Revenue growth 5Y22.17%
Sales Q2Q%22.62%
3.2 Future
NBN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.79% yearly.
NBN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.21% yearly.
EPS Next Y7.7%
EPS Next 2Y13.79%
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.05, which indicates a very decent valuation of NBN.
Based on the Price/Earnings ratio, NBN is valued cheaply inside the industry as 92.78% of the companies are valued more expensively.
NBN is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.56, the valuation of NBN can be described as very cheap.
Based on the Price/Forward Earnings ratio, NBN is valued cheaper than 93.81% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.61. NBN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
NBN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NBN's 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 13.79% in the coming years.
PEG (NY)1.04
PEG (5Y)0.25
EPS Next 2Y13.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NBN has a yearly dividend return of 0.05%, which is pretty low.
Compared to an average industry Dividend Yield of 3.38, NBN's dividend is way lower than its industry peers. On top of this 87.11% of the companies listed in the same industry pay a better dividend than NBN!
Compared to an average S&P500 Dividend Yield of 2.36, NBN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.05% |
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 0.40% of its income as dividend. This is a sustainable payout ratio.
DP0.4%
EPS Next 2Y13.79%
EPS Next 3YN/A
NASDAQ:NBN (11/11/2025, 12:35:38 PM)
85.63
+0.56 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.23%
Inst Owner Change1.24%
Ins Owners13.92%
Ins Owner Change0%
Market Cap734.71M
Revenue(TTM)222.58M
Net Income(TTM)83.44M
Analysts76.67
Price Target113.22 (32.22%)
Short Float %4.67%
Short Ratio4.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.05% |
Yearly Dividend0.04
Dividend Growth(5Y)-0.82%
DP0.4%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.37%
Min EPS beat(2)-20.36%
Max EPS beat(2)15.62%
EPS beat(4)3
Avg EPS beat(4)4.71%
Min EPS beat(4)-20.36%
Max EPS beat(4)18.03%
EPS beat(8)7
Avg EPS beat(8)7.99%
EPS beat(12)10
Avg EPS beat(12)6.6%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)3.59%
Min Revenue beat(2)-2.69%
Max Revenue beat(2)9.87%
Revenue beat(4)3
Avg Revenue beat(4)7.76%
Min Revenue beat(4)-2.69%
Max Revenue beat(4)15.33%
Revenue beat(8)7
Avg Revenue beat(8)6.58%
Revenue beat(12)9
Avg Revenue beat(12)4.38%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-4.36%
EPS NQ rev (3m)-4.36%
EPS NY rev (1m)-10.36%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-5.23%
Revenue NY rev (3m)-2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 6.56 | ||
| P/S | 3.45 | ||
| P/FCF | 13.75 | ||
| P/OCF | 13.57 | ||
| P/B | 1.49 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.64
EY12.43%
EPS(NY)13.05
Fwd EY15.24%
FCF(TTM)6.23
FCFY7.27%
OCF(TTM)6.31
OCFY7.37%
SpS24.81
BVpS57.61
TBVpS57.53
PEG (NY)1.04
PEG (5Y)0.25
Graham Number117.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.95% | ||
| ROE | 16.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 39.21% | ||
| GM | N/A | ||
| FCFM | 25.1% |
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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 22.47% | ||
| Cap/Sales | 0.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 64.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.51%
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)38.18%
EPS 3Y23.66%
EPS 5Y31.85%
EPS Q2Q%26.54%
EPS Next Y7.7%
EPS Next 2Y13.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)39.4%
Revenue growth 3Y25.45%
Revenue growth 5Y22.17%
Sales Q2Q%22.62%
Revenue Next Year9.18%
Revenue Next 2Y10.21%
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 1Y48026.1%
FCF growth 3Y21.97%
FCF growth 5Y28.66%
OCF growth 1Y2013.51%
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.
What is the valuation status of NORTHEAST BANK (NBN) stock?
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.
Can you provide the financial health for NBN stock?
The financial health rating of NORTHEAST BANK (NBN) is 3 / 10.
Can you provide the dividend sustainability for NBN stock?
The dividend rating of NORTHEAST BANK (NBN) is 3 / 10 and the dividend payout ratio is 0.4%.