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Company Analysis

Northeast Bank NBN

A comprehensive view of key metrics, scores, and financial health for Northeast Bank

Overview of Northeast Bank

NBN NGM
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Northeast Bank (NBN), is a Small Cap company, in the Banks - Regional industry, last closed at $130.25, about 43.3% overvalued vs fair value, +54.9% 1Y return, ranked 661/1078 in sector.
Metrics Rev Growth 9.0% ROE 19.6% Div Yield 0.03%
USD 130.25
4.96%
(Delayed)
• Vol 90d: 30.9%
52-Week Range
Market Cap
$1.12B
Enterprise Value
$1.53B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 94%
Confidence: 94%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.northeastbank.com
HQ Portland, ME
Employees 211
Fiscal year Jun 30

Next Events

Dividend Nov 23 Ex-div: Nov 9
Earnings Jan 25 Estimated

Fair Value Snapshot

Bear Base Bull
$41
$74
$138
Current: $130.25 -43% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$368.9M
13.3%%
Interest Expense
$148.6M
Net Interest Income
$220.4M
17.6%%
Total Revenue
$222.5M
8.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
17.8%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$335.0K
0.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Northeast Bank's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.98).
  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.97).

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.10).
  • Credit Quality Concerns Credit quality is concerning (asset quality score 0.40).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
89
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing NBN's balance between Growth (36.0%), Profitability (41.1%), and Safety (22.9%). Growth 36% Safety 23% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

79th percentile vs peers
79
Key Signals
Asset Growth YoY 22.2% 88p NII Growth YoY 17.6% 72p Equity Growth YoY 22.2% 86p EPS Growth YoY 32.9% 67p
Strengths
  • Asset Growth YoY in top 20% of peers (22.2%, 88th percentile)
  • Equity Growth YoY in top 20% of peers (22.2%, 86th percentile)
  • Net Interest Margin in top 20% of peers (4.2%, 89th percentile)
  • Efficiency Ratio in top 20% of peers (38.4%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

90th percentile vs peers
90
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Northeast Bank.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$73.79
- - -
-43.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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