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Northeast Bank logo

Northeast Bank

NBN

NASDAQFinancial ServicesBanks - Regional

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Latest quote

$130.5

+$1.94 · +1.51%

NBN company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

96

Deep Value

Momentum

58

Neutral

Sentiment

62

Bullish

Risk resilience

74

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

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. Consumer lending options extend to mobile home, overdraft, and deposit-secured loans, alongside Small Business Administration loans. Furthermore, Northeast Bank provides an extensive suite of modern banking conveniences, including telephone, online, and mobile banking, bill payment services, cash management, and remote deposit capture. Clients also benefit from debit and credit card services, ATM access, electronic transfers, and check processing. The institution supports its customer base through nine branch locations spanning Western, Central, and Southern Maine.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Richard N. Wayne
Listed since
Aug 19, 1987
Employees
223

Market position

Volume
138.41K
1.07× average
Average volume
129.72K
Average daily volume
Market cap
1.08B USD
Beta
0.59
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.96B USD
P/E (TTM)
10.09×
P/B (TTM)
1.8×
P/S (TTM)
2.83×
EV / EBITDA
13.28×
Earnings yield
9.77%
Free cash flow yield
0.00%
Dividend yield
0.03%

Profitability & efficiency

Gross margin
61.20%
Operating margin
38.56%
Net margin
28.16%
Return on equity
17.80%
Return on assets
2.06%
Return on invested capital
2.06%

Financial health

Debt / equity
1.42×
Current ratio
0×
Altman Z-score
0.44
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends105%75%45%15%Gross margin, FY2022: 97.59%Gross margin, FY2023: 66.27%Gross margin, FY2024: 57.36%Gross margin, FY2025: 58.14%Gross margin, FY2026: 61.54%Operating margin, FY2022: 56.07%Operating margin, FY2023: 36.25%Operating margin, FY2024: 33.82%Operating margin, FY2025: 35.81%Operating margin, FY2026: 38.22%Net margin, FY2022: 38.41%Net margin, FY2023: 24.56%Net margin, FY2024: 22.35%Net margin, FY2025: 23.77%Net margin, FY2026: 27.91%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 97.59%. Gross margin FY2023 66.27%. Gross margin FY2024 57.36%. Gross margin FY2025 58.14%. Gross margin FY2026 61.54%. Operating margin FY2022 56.07%. Operating margin FY2023 36.25%. Operating margin FY2024 33.82%. Operating margin FY2025 35.81%. Operating margin FY2026 38.22%. Net margin FY2022 38.41%. Net margin FY2023 24.56%. Net margin FY2024 22.35%. Net margin FY2025 23.77%. Net margin FY2026 27.91%.

Income trends

Revenue

385.07M USD+9.71%

Operating income

147.18M USD+17.09%

Net income

107.48M USD+28.80%
Income trends across reported periods419.36M USD282.2M USD145.03M USD7.87M USDRevenue, FY2022: 109.78M USDRevenue, FY2023: 179.92M USDRevenue, FY2024: 260.51M USDRevenue, FY2025: 351M USDRevenue, FY2026: 385.07M USDOperating income, FY2022: 61.55M USDOperating income, FY2023: 65.22M USDOperating income, FY2024: 88.12M USDOperating income, FY2025: 125.7M USDOperating income, FY2026: 147.18M USDNet income, FY2022: 42.16M USDNet income, FY2023: 44.19M USDNet income, FY2024: 58.23M USDNet income, FY2025: 83.44M USDNet income, FY2026: 107.48M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 109.78M USD. Revenue FY2023 179.92M USD. Revenue FY2024 260.51M USD. Revenue FY2025 351M USD. Revenue FY2026 385.07M USD. Operating income FY2022 61.55M USD. Operating income FY2023 65.22M USD. Operating income FY2024 88.12M USD. Operating income FY2025 125.7M USD. Operating income FY2026 147.18M USD. Net income FY2022 42.16M USD. Net income FY2023 44.19M USD. Net income FY2024 58.23M USD. Net income FY2025 83.44M USD. Net income FY2026 107.48M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue385.07M USD351M USD260.51M USD179.92M USD109.78M USD
Cost of goods sold148.11M USD146.91M USD111.08M USD60.68M USD2.65M USD
Gross profit236.96M USD204.09M USD149.43M USD119.24M USD107.13M USD
Selling, general, and administrative58.8M USD48.41M USD43.88M USD37.87M USD32.27M USD
Operating expenses89.78M USD78.39M USD61.31M USD54.02M USD45.58M USD
Interest income368.95M USD325.54M USD257.89M USD177.17M USD88.54M USD
Interest expense148.57M USD138.17M USD109.31M USD58.38M USD5.11M USD
Depreciation and amortization—3.15M USD3.06M USD3.21M USD2.6M USD
Operating income147.18M USD125.7M USD88.12M USD65.22M USD61.55M USD
Net income107.48M USD83.44M USD58.23M USD44.19M USD42.16M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$151

15.71% upside
Past 12 months12-month forecastHigh $151Average $151Low $151

Recent analyst actions

2 institutions

NBN news

seekingalpha.com

Northeast Bank: Strong Q4 Results Validate Its Valuation

Northeast Bank delivered record Q4 2026 earnings, with EPS of $4.05, 19% above consensus and 35% higher year-over-year. NBN's national lending-driven loan portfolio grew 21%, driving assets to $5.2B and supporting robust…

Read source
seekingalpha.com

Northeast Bank: Incredibly Efficient, Priced For Perfection

Northeast Bank delivered record earnings and robust loan growth in fiscal Q4, yet trades at a historically high premium to tangible book value. NBN's net income surged to $4.05 per share, far exceeding expectations, with…

Read source
seekingalpha.com

Northeast Bank (NBN) Q4 2026 Earnings Call Transcript

Northeast Bank (NBN) Q4 2026 Earnings Call Transcript

Read source
marketbeat.com

Northeast Bancorp Q4 Earnings Call Highlights

Northeast Bancorp NASDAQ: NBN reported record fiscal 2026 earnings, with fourth-quarter net income of $34.3 million, or $4.05 per diluted share, as loan growth, purchase-loan performance and asset-quality improvements…

Read source
globenewswire.com

Northeast Bank Reports Fourth Quarter Results and Declares Dividend

PORTLAND, Maine, July 27, 2026 (GLOBE NEWSWIRE) -- Northeast Bank (the "Bank") (NASDAQ: NBN), a Maine-based bank, today reported net income of $34. 3 million, or $4. 05 per diluted common share, for the quarter ended…

Read source
globenewswire.com

Northeast Bank Reports Fourth Quarter Results and Declares Dividend

PORTLAND, Maine, July 27, 2026 (GLOBE NEWSWIRE) -- Northeast Bank (the “Bank”) (NASDAQ: NBN), a Maine-based bank, today reported net income of $34.3 million, or $4.05 per diluted common share, for the quarter ended June…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.04

2025 complete year0.0% since 2021

2026 partial: $0.03

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 10, 2026

$0.01

Quarterly

Record Aug 10, 2026 · Payment Aug 24, 2026

Dividend

Ex-dividend May 12, 2026

$0.01

Quarterly

Record May 12, 2026 · Payment May 26, 2026

Dividend

Ex-dividend Feb 11, 2026

$0.01

Quarterly

Record Feb 11, 2026 · Payment Feb 25, 2026

Dividend

Ex-dividend Nov 10, 2025

$0.01

Quarterly

Record Nov 11, 2025 · Payment Nov 25, 2025

Dividend

Ex-dividend Sep 25, 2025

$0.01

Quarterly

Record Sep 25, 2025 · Payment Oct 9, 2025

Dividend

Ex-dividend May 13, 2025

$0.01

Quarterly

Record May 13, 2025 · Payment May 27, 2025

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ETFs holding NBN

Funds reporting this stock among their holdings, ordered by reported position size.

Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
32.05M
Weight
0.10%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
27.16M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
25.39M
Weight
0.03%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
18.29M
Weight
0.45%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
10.36M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
7.3M
Weight
0.05%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
6.07M
Weight
0.04%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
5.31M
Weight
0.03%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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