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Northeast Bancorp

NBN Financial Banks Regional

Northeast Bancorp’s revenue for fiscal 2026 (year ended June 2026) was $385.1 million, up 9.71% from fiscal 2025.

Revenue
+6.35%
EPS
+35.0%
Free cash flow
−136.6%
Total debt
+152.4%

Quarter to June 2026, against a year earlier

125.02 0.09 +0.07%
Market cap
$1.1B
P/E
9.7×
Fwd P/E
8.7×
Dividend yield
0.03%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 1,070.00
Revenue ttm 385.07
Net income ttm 107.48
Free cash flow ttm (63.99)
Net debt Q 421.84
Valuation
P/E 9.71
Forward P/E 8.70
Price / sales 2.71
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.73
Financial health
Current ratio Q 1.35
Debt / equity Q 1.42
Interest coverage Q —
Growth
Revenue growth Q +6.35% (above 0%: growing)
Operating income growth Q +12.48% (above 0%: growing)
EPS, this year +12.24%
EPS, next year A +11.54%
Revenue, next year A −29.08% (below 0%: weak)
EPS, past 5 yrs +8.30%
EPS, next 5 yrs A +20.28% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 28.05%
10-year low 10-year high
P/S against its own 10 years 65.05%
10-year low 10-year high
P/B against its own 10 years 76.27%
10-year low 10-year high

Dividends

Yield
0.03%
Annual rate
0.04
Payout ratio
0.31%
Growth, 2018–26
0.00%/yr
  1. 0.04 ’18
  2. 0.04 ’19 +0
  3. 0.04 ’20 +0
  4. 0.04 ’21 +0
  5. 0.04 ’22 +0
  6. 0.04 ’23 +0
  7. 0.04 ’24 +0
  8. 0.04 ’25 +0
  9. 0.04 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 2026
Cash 198 242 414 434
Receivables — — — —
Inventory — — — —
Other — — — —
2,718 2,992 4,173 4,987
2023 2024 2025 2026
Payables 1,937 2,339 3,376 3,690
ST’ Debt — — — —
Other — — — —
2,248 2,339 3,376 3,690

Compound Annual Growth %

10y 5y 3y
Sales 21.48% 20.73% 28.28%
Cash Flow 0.00% 0.00% 0.00%
Earnings 30.30% 8.49% 34.48%
Book Value 17.88% 21.08% 26.73%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 3.41 Actual 3.42

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 2.38 2.47 Beat by 0.09
Mar 2026 3.00 3.53 Beat by 0.53
Jun 2026 3.40 4.05 Beat by 0.65
Sep 2026 3.41 3.42 Beat by 0.01
Dec 2026 3.67 — Reports 25 January 2027

EPS $

Sep Dec Mar Jun Year
’26 — — — — —
’26 2.67 2.47 3.53 4.05 12.74
’25 2.11 2.74 2.23 3.00 10.08
’24 2.01 1.85 1.83 1.91 7.58
’23 1.12 1.54 1.69 1.61 5.96
’22 — — — — 5.34
’21 — — — — 8.55
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 88 87 105 105 385
’25 74 91 87 98 351
’24 63 66 66 69 264
’23 29 41 55 59 182
’22 — — — — 113
’21 — — — — 150
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 21 (56) (10) (17) (63)
’25 3 9 (7) 49 54
’24 (4) 2 6 (1) 3
’23 3 13 31 13 60
’22 — — — — 30
’21 — — — — 8
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 — — — — —
’26 21 (57) (10) (18) (64)
’25 3 9 (7) 49 53
’24 (6) 2 5 (1) 0
’23 3 11 30 13 58
’22 — — — — 29
’21 — — — — 7
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 68 73 68 78 150 113 182 264 351 385 +21.3% 273 304 — (11.1%)
Gross margin, % 85.07 82.74 0.00 0.00 92.65 95.48 68.00 58.56 60.64 61.42 (23.7) pt
EBT 20 23 20 33 101 62 65 88 126 147 +24.7%
EBT margin, % 29.78 31.81 28.72 42.47 67.32 54.48 35.75 33.41 35.81 38.22 +8.4 pt
Net income 12 16 14 23 72 42 44 58 83 107 +27.2%
Per share, $
Per share, $ Revenue 7.60 8.19 7.56 8.85 18.14 14.47 24.84 34.83 43.37 46.38 +22.3%
Earnings 1.39 1.81 1.52 2.53 8.64 5.40 6.02 7.69 10.31 12.94 +28.1%
Cash flow 3.82 2.18 1.19 1.38 1.01 3.91 8.18 0.34 6.69 (7.53) n/m
Capex (0.08) (0.11) 0.00 0.00 (0.15) (0.14) (0.34) (0.32) (0.09) (0.17) +9.4%
Free cash flow 3.74 2.07 1.19 1.38 0.85 3.77 7.85 0.01 6.60 (7.71) n/m
Book value 13.80 15.54 17.05 18.63 28.03 31.81 40.39 49.73 61.07 72.73 +20.3%
Shares, m 9 9 9 9 8 8 7 8 8 8 (0.8%)
Valuation, ×
Valuation, × P/E 14.64 12.01 10.17 8.40 14.29 17.48 6.93 7.91 8.65 10.25 11.1
P/S 2.68 2.67 2.28 1.89 3.21 3.93 1.68 1.75 2.05 2.86 2.5
P/B 1.47 1.41 1.26 1.04 1.76 2.16 1.03 1.23 1.46 1.82 1.5
EV/Sales 0.92 1.05 0.94 0.54 1.86 2.58 2.09 2.22 1.84 3.95 1.8
EV/FCF 1.87 4.16 3.16 1.82 6.26 8.67 6.62 5,267.63 12.09 (23.79) 528.8
Cash, $m
Cash, $m Operating cash flow 34 19 11 12 8 30 60 3 54 (63) n/m
Capex (1) (1) 0 (1) (1) (1) (2) (2) (1) (1) +8.5%
Free cash flow 33 18 11 12 7 29 58 0 53 (64) n/m
Balance, $m
Balance, $m Working capital 54 77 — — — 169 469 652 797 1,298 +42.5%
Net debt (119) (118) 15 23 19 (168) 76 123 (74) 422 n/m
Shareholders’ equity 123 138 154 165 232 248 297 377 494 604 +19.4%
Returns, %
Returns, % ROA 1.20 1.45 1.20 1.88 11.34 2.97 1.98 1.94 2.25 2.26 +1.1 pt
ROIC 313.25 70.41 0.00 0.00 25.17 47.67 10.95 11.02 18.71 8.97 (304.3) pt
ROE 10.31 12.38 9.50 14.26 36.02 17.56 16.22 17.30 19.16 19.57 +9.3 pt
People
People Employees 195 185 — — — — 199 212 234 225 +1.6%
Revenue/emp, $m 0.35 0.39 0.00 0.00 0.00 0.00 0.92 1.24 1.50 1.71 +19.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Northeast Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HFWA Heritage Financial Corporation $1.2B 14.1× 14.6× +24.60% (above 0%: growing) −17.86% (below 0%: shrinking) +0.66% (above 0%: growing) 79.05% 0.00% Compare
AMTB Amerant Bancorp Inc. $1.2B 17.3× 13.2× −6.05% (below 0%: shrinking) +87.60% (above 0%: growing) +137.85% (above 0%: growing) 68.11% 0.00% Compare
UVSP Univest Corporation of Pennsylvania $1.1B 11.9× 10.5× +2.73% (above 0%: growing) −12.36% (below 0%: shrinking) +47.79% (above 0%: growing) 66.61% 0.00% Compare
NBN Northeast Bancorp $1.1B 9.7× 8.7× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00%
FSBC Five Star Bancorp $1.1B 12.4× 12.5× +21.04% (above 0%: growing) +19.48% (above 0%: growing) +40.75% (above 0%: growing) 65.07% 0.00% Compare
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
HBNC Horizon Bancorp (IN) $1.1B — (loss-making) 9.8× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
CCNE CNB Financial Corporation $1.1B 10.7× 9.9× +6.10% (above 0%: growing) +31.88% (above 0%: growing) +2.73% (above 0%: growing) 69.41% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.3× 11.0× +7.42% (above 0%: growing) +3.47% (above 0%: growing) +38.67% (above 0%: growing) 66.54% 0.00% Compare
Median of peers $1.1B 12.4× 11.7× +6.30% +11.87% +43.23% 67.36% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 4 October 2018

Ownership

Directors and executive officers, together 14.22%
Arlon Capital Partners LP 9.09%
Richard Wayne 8.84%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Northeast Bancorp (NBN) Latest News

28 Oct

Impact 3 · · Simply Wall St.

27 Oct

Impact 3 · · MarketBeat

26 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press

20 Oct

Impact 3 · · GlobeNewswire

6 Aug

Impact 3 ·

27 Jul

Impact 4 · transcript
Impact 3 · · MarketBeat transcript

12 May

Impact 3 · · Simply Wall St.

1 May

Impact 4 · · Simply Wall St.

29 Apr

Impact 4 · · GuruFocus.com

28 Apr

Impact 3 · · MarketBeat

27 Apr

Impact 4 · · GlobeNewswire

28 Mar

Impact 3 · · Simply Wall St.

18 Mar

Impact 3 · · PR Newswire

2 Feb

Impact 4 · · Simply Wall St.

30 Jan

Impact 4 · · Simply Wall St.

27 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · MarketBeat transcript
Impact 3 ·

26 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · The Motley Fool transcript
Impact 4 · · The Motley Fool transcript
Impact 4 · · The Motley Fool transcript
Impact 4 · · The Motley Fool transcript
Impact 3 · · GlobeNewswire

23 Jan

Impact 3 · · Simply Wall St.

25 Dec

Impact 3 · · Simply Wall St.

23 Dec

Impact 3 · · Simply Wall St.

17 Dec

Impact 4 · · GlobeNewswire
stockrow.com/NBN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com