Northeast Bank
NBN · Price history
Price at last available close
$132.98
+$6.72 (+5.32%) 1M
2026-10-27
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Company & revenue
About Northeast Bank
Primary reporting period: 2026-06-30 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Headquartered in Portland, Maine, and established in 1872, Northeast Bank delivers a broad spectrum of banking and financial solutions to individuals and businesses throughout the state. Its diverse deposit offerings encompass checking, savings, money market, and certificate of deposit accounts, in addition to NOW accounts and individual retirement accounts. The bank's robust loan portfolio features residential mortgages, commercial real estate financing (including multi-family properties), and a range of commercial and industrial loans such as term loans, lines of credit, and equipment and receivables financing.
How they make money
Northeast Bank operates as a dual-model financial institution, combining a national lending division that originates and purchases commercial real estate loans with a community banking segment. The bank generates revenue primarily through net interest income from its loan portfolios, secondary market loan acquisitions, and fee-based services provided to personal, business, and government clients.
Products & services
Commercial real estate loans, Small Business Administration (SBA) guaranteed loans, personal and business deposit accounts, cash management, treasury services, and digital banking through ableBanking.
Brands & revenue mix
Primary banking brand for commercial and community services.
Separate brand revenue is not available in this research.Source
Digital banking division of Northeast Bank.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and Software Service Providers — The bank relies on various third-party technology vendors to support its digital banking platform, ableBanking, and core operational systems.Source
Strengths
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt is at least one year of revenue
Debt is large relative to the company's recent revenue base. Review maturity dates, borrowing terms and whether available liquidity can support the obligation.
Interest coverage is below 2x
Reported earnings provide limited coverage of interest expense. Review the underlying interest and operating-income figures because weak coverage can increase refinancing and liquidity risk.
Free cash flow is negative
The latest reported period did not generate positive free cash flow. Check whether the cash use reflects development investment, working capital or continuing operating losses.
Cash covers less than 20% of total debt
Cash on hand is small relative to reported debt. Compare unrestricted cash, debt maturities and expected financing needs rather than treating the ratio alone as a default prediction.
Total debt increased 152.8% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
58
Fair
Financial Strength
35
Business Quality / Moat
97
Management
54
Growth Quality
41
Risk / Durability
61
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
77
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
72/100
Building Historical Record
Model Score 72/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •High debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for NBN
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving NBN's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •How long can NBN fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is NBN's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is NBN's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of NBN's score?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
77
Market Cap
$1.14B
P/E Ratio
9.7
EPS
$12.93
52-Week High
$142.31
52-Week Low
$80.75
Beta
0.61
Intrinsic Value
$497.81
Analyst Target
$151.00
Shares Outstanding
8.4M
Total Revenue
$381.7M
Total Debt
$857.7M
Dividend Yield (TTM)
0.03%
Liquidation Value / Share
$71.56
Dividend / Share (TTM)
$0.04
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for NBN
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
High debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Free cash flow is negative • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on NBN.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +National Lending Division expertise in complex credit structures.
- +SBA Preferred Lender status.
Potential downside factors
- −Debt risk (high): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Free cash flow is negative.
- −Cash covers less than 20% of total debt.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
55
Oct 1, 2026
Change
Unchanged
Current Score
55
Oct 8, 2026
Category Changes
NBN score was unchanged.
Projected Score
Projected Score
57
Projected Change
+1.9 points
Preliminary comparable-period financial changes suggest improvement of approximately 1.9 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $12.93 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$132.98
Model Intrinsic Value
$497.81
Difference
−$364.83
-73.3% vs IV
Margin of Safety
73.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $381.7M | $385.1M | $351.0M | $260.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $148.1M | $148.1M | $146.9M | $111.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $233.6M | $237.0M | $204.1M | $149.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $58.1M | $58.8M | $48.4M | $43.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $86.4M | $89.8M | $78.4M | $61.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $149.5M | $147.2M | $128.8M | $91.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $147.2M | $147.2M | $125.7M | $88.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $148.6M | $148.6M | $138.2M | $109.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $147.2M | $147.2M | $125.7M | $88.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $39.7M | $39.7M | $42.3M | $29.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $107.5M | $107.5M | $83.4M | $58.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $12.93 | $12.94 | $10.31 | $7.69 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 8.31M | 8.30M | 8.09M | 7.57M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 8.47M | 8.44M | 8.28M | 7.68M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$104.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$4.05
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+152.8%
Cash Change
-99.3%
Margin Change
+7.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth, net income margin. Pressure indicators included cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 6.3%. EPS increased 35.0%. Cash declined 99.3%. Total debt increased 152.8%. Net income margin improved by 7.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Corporate developments & opportunities
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