Northeast Bank (NBN) AI Stock Analysis

Founded in 1872 and headquartered in Portland, Maine, Northeast Bank provides comprehensive banking services to individual and corporate clients. Its deposit offerings include demand deposits, NOW accounts, money market accounts, savings accounts, certificates of deposit, individual retirement accounts, and traditional checking accounts. Lending operations encompass residential mortgage loans, multi-family and commercial real estate financing, commercial and industrial loans such as term loans and lines of credit, and consumer loans including mobile home and deposit-secured loans. The bank also offers telephone, online, and mobile banking alongside remote deposit capture.

Northeast Bank increased annual revenue from $109.8M in FY2022 to $385.1M in FY2026, reflecting a 5-year CAGR of 21.3% from FY2021. Annual net income grew from $42.2M in FY2022 to $107.5M in FY2026, while diluted EPS increased from $5.33 to $12.72 over the same span. Operating margin was 38.2% and net margin reached 27.9% in FY2026. For the trailing twelve months ended June 30, 2026, revenue stood at $237.0M with a profit margin of 45.4% and an operating margin of 65.0%. For the latest quarter ended June 30, 2026, quarterly revenue grew 11.3% year-over-year while quarterly earnings expanded 35.3%.

As of June 30, 2026, Northeast Bank held $2.9M in cash and short-term investments, $857.7M in total debt, and $854.8M in net debt against total assets of $5.23B and shareholders' equity of $603.9M. The debt-to-equity ratio stood at 1.42, with a current ratio of 0.11. Operating cash flow in FY2026 was -$62.5M, yielding free cash flow of -$64.0M after $1.4M in capital expenditures. During FY2026, the company deployed $5.3M toward share buybacks and paid $345,000 in dividends.

At $125.42, Northeast Bank carries a market capitalization of $1.07B and an enterprise value of $1.50B. The stock trades at a trailing P/E of 9.8x, below the 12.1x median of its US-listed Financial Services peers, though its forward P/E of 16.3x is higher than the peer median of 10.8x. Its price-to-sales multiple is 4.6x compared to the peer median of 3.2x, while price-to-book stands at 1.8x. Over the trailing 1-year and 5-year periods, NBN shares gained 39.7% and 255.1%, outperforming the SPY returns of 16.8% and 83.0%, respectively.

Northeast Bank pays a forward annual dividend of $0.04 per share, distributed quarterly, yielding 0.03% with a payout ratio of 0.3%. The bank has paid dividends for 39 consecutive years, though its 5-year annualized dividend growth rate is 0.0%. The most recent ex-dividend date was August 10, 2026.

Covering analysts hold 1 Buy rating and 1 Hold rating, with zero Strong Buy, Sell, or Strong Sell recommendations. The mean price target is $143.50, representing a 14.4% premium over the last close of $125.42. For the fiscal year ending June 30, 2027, consensus estimates project EPS of $14.60 on revenue of $276.5M. The bank beat EPS expectations in 3 of the last 4 quarters, with its next earnings date scheduled for October 27, 2026.

This page is an AI-written research summary of Northeast Bank (NBN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: NBN income statement, NBN balance sheet, NBN key metrics, NBN analyst forecast, NBN chart. See the NBN stock overview for the latest quote and news.