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NBN

BEARISH
$123.15 Live
Northeast Bank · NASDAQ
Target $126.5 (+2.7%)
$79.05 52W Range $126.26

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
$1.05B
P/E
11.88
ROE
17.8%
Profit margin
40.9%
Debt/Equity
N/A
Dividend yield
0.03%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
Northeast Bank exhibits significant fundamental deterioration, highlighted by a weak Piotroski F-Score of 3/9, indicating poor financial health. While the current price of $123.15 aligns closely with the Graham Number ($120.91), it trades at a substantial premium to its growth-based intrinsic value of $72.59. Negative year-over-year revenue (-3.10%) and earnings growth (-9.90%) suggest a contraction phase, further compounded by an extremely bearish technical trend (10/100). Despite strong historical 5-year returns, the current trajectory is unsustainable without a reversal in growth and health metrics.

Key Strengths

Strong Return on Equity (ROE) of 17.79%
Healthy Profit Margin of 40.91%
Low P/E ratio (11.88) relative to broader financial sector averages
Consistent history of beating earnings estimates over the last 25 quarters
Strong long-term price appreciation (5Y Change: +351.7%)

Key Risks

Weak financial health as evidenced by Piotroski F-Score of 3/9
Negative YoY revenue and earnings growth
Significant gap between current price and intrinsic value ($72.59)
Extremely bearish technical trend (10/100)
Negligible dividend yield (0.03%) providing no income floor
AI Fair Value Estimate
Based on comprehensive analysis
$92.5
-24.9% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
42
Moderate
Value
55
Future
30
Past
80
Health
33
Dividend
10
AI Verdict
Underperform
Key drivers: Deteriorating financial health (Piotroski), Negative growth trajectory, Technical breakdown, Overvaluation relative to intrinsic growth
Confidence
90%
Value
55/100

Ref P/E 11.88, Graham Number $120.91, Intrinsic Value $72.59

Positives
  • P/E is relatively low at 11.88
  • Price is near the Graham Number
Watchpoints
  • Price is 70% above intrinsic value estimate
  • P/B of 1.97 is high for a regional bank with negative growth
Future
30/100

Ref Growth rates

Positives
  • Forward P/E (8.86) suggests expected earnings stability
Watchpoints
  • YoY Revenue Growth: -3.10%
  • YoY Earnings Growth: -9.90%
  • Q/Q Earnings Growth: -7.60%
Past
80/100

Ref Historical trends

Positives
  • Exceptional 5Y (+351.7%) and 3Y (+254.5%) returns
  • Strong track record of EPS surprises
Watchpoints
  • Recent momentum has shifted sharply bearish
Health
33/100

Ref Piotroski F-Score

Positives
  • ROA of 1.93% is acceptable for regional banking
Watchpoints
  • Piotroski F-Score of 3/9 indicates weak financial health
Dividend
10/100

Ref Yield 0.03%, Payout 0.39%

Positives
  • Very low payout ratio (0.39%) suggests capacity to increase
Watchpoints
  • Negligible yield of 0.03%
  • Dividend strength score of 25/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$123.15
Analyst Target
$126.5
Upside/Downside
+2.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NBN and closest competitors.

Updated 2026-04-14
NBN
Northeast Bank
Primary
5Y
+351.7%
3Y
+254.5%
1Y
+45.2%
6M
+28.3%
1M
+12.3%
1W
+4.3%
AOD
Abrdn Total Dynamic Dividend Fund
Peer
5Y
+75.1%
3Y
+66.9%
1Y
+30.6%
6M
+16.2%
1M
+1.2%
1W
+0.8%
NBB
NB Bancorp, Inc.
Peer
5Y
+65.7%
3Y
+65.7%
1Y
+43.2%
6M
+27.4%
1M
+7.6%
1W
+3.2%
HBT
HBT Financial, Inc.
Peer
5Y
+97.2%
3Y
+65.3%
1Y
+37.0%
6M
+22.5%
1M
+8.9%
1W
+3.0%
ASS
Strive Asset Management, LLC
Peer
5Y
-95.1%
3Y
-95.1%
1Y
-17.8%
6M
-78.9%
1M
+1.0%
1W
-8.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.88
Forward P/E
8.86
PEG Ratio
N/A
P/B Ratio
1.97
P/S Ratio
4.95
EV/Revenue
5.29
EV/EBITDA
N/A
Market Cap
$1.05B

Profitability

Profit margins and return metrics

Profit Margin 40.91%
Operating Margin 60.11%
Gross Margin N/A
ROE 17.79%
ROA 1.93%

Growth

Revenue and earnings growth rates

Revenue Growth -3.1%
Earnings Growth -9.9%
Q/Q Revenue Growth -6.22%
Q/Q Earnings Growth -7.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$52.16

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
42.2%
Total Assets
$4.9B
Liabilities
$4.4B
Equity
$0.5B
Debt/Equity
8.23x
Operating CF
$-0.1B
CapEx
$-0.0B
Free Cash Flow
$-0.1B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-27
$N/A
2026-01-25
$2.47
+1.0% surprise
2025-10-27
$2.67
-0.4% surprise
2025-07-28
$3.0
+16.7% surprise

Financial Services Sector Comparison

Comparing NBN against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
P/E Ratio
11.88
This Stock
vs
46.02
Sector Avg
-74.2% (Discount)
Return on Equity (ROE)
17.79%
This Stock
vs
0.23%
Sector Avg
+7676.5% (Excellent)
Profit Margin
40.91%
This Stock
vs
50.44%
Sector Avg
-18.9% (Weaker)
Revenue Growth
-3.1%
This Stock
vs
37.35%
Sector Avg
-108.3% (Slower)

Similar Companies

Peer comparison within the same industry

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
2 analysts
Keefe, Bruyette & Woods
2025-10-30
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning NBN from our newsroom.

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