Northeast Bancorp NBN

130.24 0.47 0.36% as of 25 Sep
Market cap
$1.1B
P/E
10.1×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios

Market Cap 1,110.00
Revenue 385.07
Net Income 107.48
Free Cash Flow (63.99)
Net Debt 421.84
Current Ratio 1.35
Debt/Equity 1.42
P/E ratio 10.08
P/S ratio 2.81
P/B ratio 1.79
Past 5Y EPS Growth 37.98%
This Y EPS Growth 14.60%
Next Y EPS Growth 7.88%
Next 5Y EPS Growth 20.28%
in millions of $

Dividends

Payout Ratio 0.01
Annual Dividend Rate 0.04
Annual Dividend Yield 0.08%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.04
0.01
0.01
0.01
2025 0.04
0.01
0.01
0.01
0.01
2024 0.04
0.01
0.01
0.01
0.01
2023 0.04
0.01
0.01
0.01
0.01
2022 0.04
0.01
0.01
0.01
0.01
2021 0.04
0.01
0.01
0.01
0.01
2020 0.04
0.01
0.01
0.01
0.01
2019 0.04
0.01
0.01
0.01
0.01
2018 0.04
0.01
0.01
0.01
0.01
2017 0.04
0.01
0.01
0.01
0.01
2016 0.04
0.01
0.01
0.01
0.01
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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%

Revenue

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

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

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029
12.85 15.54 16.50 6.20 22.36 33.09 33.15 49.07 78.17 102.41

Analyst estimates 2027–2029

Powerpack
Low Price
29.95 26.00 27.58 23.25 38.31 48.50 59.00 105.44 113.01 142.31
High Price
195 185 — — — — 199 212 234 225
Employees
0 0 0 0 0 0 1 1 1 2
Revenue/Emp
68 73 68 78 150 113 182 264 351 385
Revenue
85.07% 82.74% 0.00% 0.00% 92.65% 95.48% 68.00% 58.56% 60.64% 61.42%
Gross Margin
20 23 20 33 101 62 65 88 126 147
EBT
29.78% 31.81% 28.72% 42.47% 67.32% 54.48% 35.75% 33.41% 35.81% 38.22%
EBT Margin
12 16 14 23 72 42 44 58 83 107
Net Income
3 3 — — 3 3 3 3 3 3
Depreciation
7.60 8.19 7.56 8.85 18.14 14.47 24.84 34.83 43.37 46.38
Revenue/Sh
1.39 1.81 1.52 2.53 8.64 5.40 6.02 7.69 10.31 12.94
Earnings/Sh
3.82 2.18 1.19 1.38 1.01 3.91 8.18 0.34 6.69 (7.53)
Cash Flow/Sh
(0.08) (0.11) 0.00 0.00 (0.15) (0.14) (0.34) (0.32) (0.09) (0.17)
Capex/Sh
3.74 2.07 1.19 1.38 0.85 3.77 7.85 0.01 6.60 (7.71)
Free CF/Sh
13.80 15.54 17.05 18.63 28.03 31.81 40.39 49.73 61.07 72.73
Book Value/Sh
9 9 9 9 8 8 7 8 8 8
Shares
14.64 12.01 10.17 8.40 14.29 17.48 6.93 7.91 8.65 10.25
PE Ratio
2.68 2.67 2.28 1.89 3.21 3.93 1.68 1.75 2.05 2.86
PS Ratio
1.47 1.41 1.26 1.04 1.76 2.16 1.03 1.23 1.46 1.82
PB Ratio
0.92 1.05 0.94 0.54 1.86 2.58 2.09 2.22 1.84 3.95
EV/Sales
1.87 4.16 3.16 1.82 6.26 8.67 6.62 5,267.63 12.09 (23.79)
EV/FCF
34 19 11 12 8 30 60 3 54 (63)
Op' Cash Flow
(1) (1) 0 (1) (1) (1) (2) (2) (1) (1)
Capex
33 18 11 12 7 29 58 0 53 (64)
FCF
54 77 — — — 169 469 652 797 1,298
Working Cap'
45 40 15 23 19 4 274 365 339 856
Total Debt
(119) (118) 15 23 19 (168) 76 123 (74) 422
Net Debt
123 138 154 165 232 248 297 377 494 604
Sh' Equity
1.20% 1.45% 1.20% 1.88% 11.34% 5.33% 1.98% 1.94% 2.25% 2.26%
ROA
313.25% 70.41% 0.00% 0.00% 25.17% 47.67% 10.95% 11.02% 18.71% 8.97%
ROIC
10.31% 12.38% 9.50% 14.26% 36.02% 17.56% 16.22% 17.30% 19.16% 19.57%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Northeast Bancorp (NBN) key facts

  • Northeast Bancorp (NBN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Northeast Bancorp’s revenue for fiscal 2026 (year ended June 2026) was $385.1 million, up 9.71% from fiscal 2025.
  • Net income was $107.5 million, or $12.94 per share (basic), a net margin of 27.9%.
  • As of September 25, 2026, NBN traded at $130.24, a market capitalization of $1.1 billion.
  • At that price the stock trades at 10.1× trailing-twelve-month earnings and 2.8× sales.
  • Northeast Bancorp pays an annual dividend of $0.04 per share, a yield of 0.08%, with a payout ratio of 0.67%.
  • Return on equity was 19.6% and debt-to-equity 1.42.

Source: company filings (standardised) and stockrow calculations.

Northeast Bancorp (NBN) Latest News

News by impact score

Fine-tune

6 Aug

3

Northeast Bancorp reports higher net interest income offset by rising credit costs, prompting assessment of net effects on profitability and investor returns. Higher net interest income and rising credit costs directly influence Northeast Bancorp's near-term profitability metrics.

27 Jul

4 transcript

Northeast Bank posted record annual net income with robust loan growth in Q4 2026 earnings. Record net income and loan growth indicate strong performance likely to lift valuation and outlook.

3 transcript

Northeast Bancorp held its Q4 earnings call, covering quarterly financial results, operational metrics, and management outlook on lending and deposit trends. Quarterly earnings details and management commentary typically influence short-term stock sentiment without fundamentally altering long-term trajectory.

12 May

3

New analyst fair value updates are shifting the narrative around Northeast Bancorp (NBN). Analyst fair value updates signal a moderately noticeable shift in investor narrative and sentiment for NBN.

1 May

4

Northeast Bancorp (NBN) reported strong Q3 2026 earnings and profit growth, leading to a positive valuation reassessment highlighting improved financial health and growth prospects. Strong Q3 earnings and profit growth directly boost NBN's financial performance and investor sentiment, significantly influencing future market trajectory.

29 Apr

4

Northeast Bank (NBN) Q3 2026 earnings call highlights record loan originations and strong performance. Record loan originations and strong results represent major growth drivers likely to significantly boost NBN's future performance and investor sentiment.

28 Apr

3

Northeast Bancorp Q3 earnings call highlights financial performance, loan growth, deposit increases, net interest margin expansion, and positive outlook. Q3 earnings highlights affect key financial metrics and market sentiment but represent routine quarterly reporting.

27 Apr

4

Northeast Bancorp (NBN) reported third quarter financial results and declared a dividend. Quarterly earnings reports and dividend declarations significantly influence financial performance and investor sentiment.

28 Mar

3

Northeast Bancorp (NBN) story shifts with robust EPS strength offsetting concerns over richer valuation multiples amid market scrutiny. EPS strength bolsters financial performance but richer valuation sparks investor caution with moderate overall impact.

18 Mar

3

S&P Global Market Intelligence released its annual 2025 rankings of the best-performing U.S. community banks, public banks, and credit unions, recognizing Northeast Bancorp (NBN) among the top performers. Top rankings from S&P enhance NBN's reputation and may moderately boost investor sentiment and competitive positioning.

2 Feb

4

Northeast Bancorp (NBN) is highlighted as a growth company to watch in February 2026, with insider activity suggesting confidence in its future performance. The article emphasizes the potential for significant returns driven by strategic initiatives and market positioning. Investors are encouraged to monitor NBN closely as it navigates upcoming opportunities and challenges in the financial sector. Insider activity indicates strong confidence in the company's strategic direction and potential for significant growth.

30 Jan

4

Northeast Bancorp (NBN) has experienced record loan growth and introduced a new small and medium-sized business (SMB) product, which may shift its investment narrative. The bank's strategic focus on expanding its lending capabilities and catering to the SMB sector could enhance its market position and attract investor interest, potentially leading to improved financial performance. The introduction of a new SMB product and record loan growth are significant strategic moves that could alter the company's trajectory and investor sentiment.

27 Jan

4 transcript

Northeast Bancorp (NBN) reported record loan growth in its Q2 2026 earnings call, despite facing challenges related to the Small Business Administration (SBA) programs. The bank's performance highlights its resilience and strategic focus on expanding its lending portfolio, which has contributed positively to its financial results. Management addressed concerns regarding the SBA's impact on loan origination and discussed plans to navigate these challenges moving forward. Record loan growth amid SBA challenges indicates significant strategic moves that could alter the company's trajectory.

4 transcript

Northeast Bancorp reported its Q2 earnings, highlighting a significant increase in net income and improved loan growth. The company emphasized its strategic initiatives aimed at enhancing operational efficiency and expanding its market presence. Management expressed optimism about future performance, citing strong demand for loans and a favorable economic environment. Additionally, the bank plans to invest in technology to better serve its customers and streamline operations. Overall, the earnings call reflected a positive outlook for the company moving forward. The reported increase in net income and strategic initiatives indicate a significant potential for future growth and improved market positioning.

3

Northeast Bancorp (NBN) reported record loan growth alongside mixed quarterly earnings, raising questions about its valuation. The bank's performance reflects strong demand for loans, but earnings results were not uniformly positive, leading to varied investor sentiment. Analysts are assessing the implications of these developments on the bank's future prospects and market position. Record loan growth indicates potential for improved financial performance, but mixed earnings results suggest limitations on overall impact.

26 Jan

4

Northeast Bancorp reported its fiscal Q2 earnings, showcasing a notable increase in net income compared to the previous year. The bank's total assets and deposits also saw significant growth, reflecting strong operational performance. Management highlighted strategic initiatives aimed at enhancing customer experience and expanding market reach. The results indicate a positive trajectory for the company amidst a competitive banking landscape. Strong operational performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.

4 transcript

Northeast Bancorp (NBN) reported its Q1 2026 earnings, highlighting a significant increase in net income and improved asset quality. The bank's loan portfolio showed growth, driven by strong demand in commercial lending. Management expressed optimism about future performance, citing strategic initiatives aimed at enhancing operational efficiency and customer service. Additionally, the bank's capital ratios remained robust, positioning it well for potential market opportunities. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

4 transcript

Northeast Bancorp (NBN) reported its Q4 2025 earnings, highlighting a significant increase in net income and improved asset quality. The bank's loan portfolio showed growth, driven by strong demand in commercial lending. Management expressed optimism about future performance, citing strategic initiatives aimed at enhancing operational efficiency and customer service. Additionally, the bank's capital ratios remained robust, positioning it well for potential market opportunities. The significant increase in net income and strategic initiatives indicate a likely positive shift in the company's trajectory and investor sentiment.

4 transcript

Northeast Bancorp (NBN) reported its Q2 2025 earnings, showcasing a solid performance with increased revenues and improved net income compared to the previous quarter. The bank highlighted growth in its loan portfolio and a reduction in non-performing assets, indicating effective risk management. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing operational efficiency. The earnings call also addressed market conditions and competitive challenges, emphasizing the bank's commitment to maintaining a strong financial position. Significant improvements in financial performance and strategic initiatives are likely to influence investor sentiment and the company's future trajectory.

4 transcript

Northeast Bancorp (NBN) reported its Q3 2025 earnings, highlighting a significant increase in net income driven by improved loan performance and reduced operating expenses. The bank's total assets grew, reflecting strong customer deposits and strategic lending initiatives. Management expressed optimism about future growth prospects, citing ongoing investments in technology and customer service enhancements. The earnings call also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory pressures, while reaffirming the bank's commitment to maintaining a strong capital position. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3

Northeast Bancorp reported its second quarter financial results, highlighting a solid performance with increased net income and improved asset quality. The bank also declared a dividend, reflecting its commitment to returning value to shareholders. Overall, the results indicate a positive trajectory for the company amidst a stable economic environment. The reported financial results and dividend declaration indicate a moderately noticeable influence on the company's performance and market sentiment.

23 Jan

3

Northeast Bancorp (NBN) is highlighted as a promising small-cap stock in the U.S. market, showcasing its potential for growth and investment opportunities. The article emphasizes the company's strong fundamentals and strategic positioning, suggesting that it may be undervalued compared to its peers. Investors are encouraged to consider NBN as part of a diversified portfolio, given its prospects in the current economic landscape. Northeast Bancorp's potential for growth and strategic positioning may moderately influence its financial performance and market sentiment.

25 Dec

3

Northeast Bancorp (NBN) is highlighted as one of three undiscovered investment opportunities in the U.S. market, showcasing its potential for growth and value. The article emphasizes NBN's strong fundamentals, strategic positioning, and the favorable economic environment that could enhance its market performance. Investors are encouraged to consider NBN as a viable option for long-term gains amidst a landscape of overlooked stocks. Northeast Bancorp's strong fundamentals and strategic positioning may moderately influence its financial performance and market sentiment.

23 Dec

3

Institutional investors hold 69% of Northeast Bank (NASDAQ:NBN), and their investment was rewarded last week as the stock price increased by 7.3%. The stock price increase indicates a positive market sentiment influenced by institutional ownership.

17 Dec

4

Northeast Bank has announced a significant increase in its loan purchase volume, indicating a strong demand for its lending services. This uptick is expected to enhance the bank's financial performance and market position. The bank's strategic focus on expanding its loan portfolio aligns with its growth objectives and reflects confidence in the current economic environment. The increase in loan purchase volume is likely to significantly impact the bank's future financial performance and market positioning.

26 Nov

4

Northeast Bancorp (NBN) is highlighted as a promising investment opportunity within the U.S. market, showcasing its potential for growth and profitability. The article emphasizes the company's strong financial performance, strategic initiatives, and favorable market conditions that position it as an undiscovered gem. Investors are encouraged to consider NBN for its attractive valuation and growth prospects in the banking sector. Northeast Bancorp's strategic initiatives and strong financial performance are likely to significantly impact its future trajectory and investor sentiment.

6 Nov

3

Northeast Bancorp (NBN) is being evaluated for its potential inclusion on investment watchlists due to its recent performance and strategic initiatives. Analysts are considering factors such as financial health, market position, and growth prospects. The bank's focus on expanding its services and adapting to market changes is highlighted as a key element in assessing its future viability and attractiveness to investors. Northeast Bancorp's strategic initiatives and market positioning may moderately influence its financial performance and investor sentiment.

30 Oct

3

Northeast Bancorp (NBN) reported strong net income for Q1 2026 despite facing challenges related to the Small Business Administration (SBA). The earnings call highlighted the bank's resilience and strategic initiatives aimed at navigating these difficulties while maintaining profitability. Strong net income indicates solid financial performance, but SBA challenges may limit growth potential.

28 Oct

4

Northeast Bancorp reported its fiscal Q1 earnings, showcasing a notable increase in net income compared to the previous year. The bank's total assets and deposits also saw significant growth, reflecting strong operational performance. Management highlighted strategic initiatives aimed at enhancing customer service and expanding market reach. The positive earnings report is expected to bolster investor confidence and support the bank's growth trajectory moving forward. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3

Northeast Bancorp reported its first quarter results, highlighting key financial metrics and performance indicators. The bank also declared a dividend, reflecting its commitment to returning value to shareholders. Overall, the results indicate a stable financial position and growth potential for the institution. The financial results and dividend declaration suggest a moderately noticeable influence on the company's performance and market sentiment.

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