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NBN logoNortheast Bank(NBN)Earnings, Financials & Key Ratios

NBN•NASDAQ•Banking & Credit
12.9× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
AboutNortheast Bank provides banking services to individual and corporate customers in Maine. The company's deposit products include demand deposit, NOW, money market, savings, certificate of deposit, and individual retirement accounts, as well as checking accounts. Its loan portfolio comprises residential mortgage loans; multi-family and other commercial real estate loans; commercial and industrial loans, such as term loans, lines of credit and equipment, and receivables financing; consumer loans comprising mobile home and overdraft, and deposit-secured loans; and small business administration loans. In addition, the company offers telephone banking, online banking and bill payment, mobile banking, cash management, and remote deposit capture services, as well as debit and credit card, ATM, electronic transfer, and check services. It operates a network of nine branches in Western, Central, and Southern Maine. Northeast Bank was founded in 1872 and is headquartered in Portland, Maine.Show more
  • Net Interest Income$187M+26.1%
  • Total Revenue$351M+34.7%
  • Net Income$83M+43.3%
  • Return on Equity19.16%+10.8%
  • Net Interest Margin4.38%-7.7%
  • Efficiency Ratio22.33%-5.1%
  • ROA2.25%+16.1%
  • Equity / Assets11.55%-3.9%
  • Book Value per Share59.71+21.7%
  • Tangible BV/Share59.63+21.9%
  • Debt/Equity0.69-29.3%

NBN Key Insights

Northeast Bank (NBN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 29.7%
  • ✓Strong NIM of 4.4%
  • ✓Efficient operations: 22.3% efficiency ratio
  • ✓Well capitalized: 11.6% equity/assets
  • ✓Good 3Y average ROE of 17.6%
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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NBN Price & Volume

Northeast Bank (NBN) stock price & volume — 10-year historical chart

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NBN Growth Metrics

Northeast Bank (NBN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years21.46%
5 Years29.92%
3 Years47.32%
TTM-

Profit CAGR

10 Years27.87%
5 Years29.7%
3 Years25.55%
TTM27.17%

EPS CAGR

10 Years30.2%
5 Years31.85%
3 Years23.59%
TTM20.72%

Return on Capital

10 Years15.35%
5 Years19.93%
3 Years13.91%
Last Year14.82%

NBN Recent Earnings

Northeast Bank (NBN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 27, 2026
EPS
$3.53
Est $3.00
+17.7%
Revenue
$67M
Est $61M
+8.3%
Q1 2026
Jan 26, 2026
EPS
$2.47
Est $2.38
+3.8%
Revenue
$52M
Est $55M
-5.6%
Q4 2025
Oct 28, 2025
EPS
$2.67
Est $2.68
-0.4%
Revenue
$50M
Est $55M
-9.7%
Q3 2025
Jul 28, 2025
EPS
$3.00
Est $2.54
+18.1%
Revenue
$63M
Est $57M
+9.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 27, 2026
$3.53vs $3.00+17.7%
$67Mvs $61M+8.3%
Q1 2026Jan 26, 2026
$2.47vs $2.38+3.8%
$52Mvs $55M-5.6%
Q4 2025Oct 28, 2025
$2.67vs $2.68-0.4%
$50Mvs $55M-9.7%
Q3 2025Jul 28, 2025
$3.00vs $2.54+18.1%
$63Mvs $57M+9.9%
Based on last 12 quarters of dataView full earnings history →

NBN Peer Comparison

Northeast Bank (NBN) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NECB logoNECBNortheast Community Bancorp, Inc.Direct Competitor359.41M25.987.99-1.55%28.41%13.07%0.21
CNOB logoCNOBConnectOne Bancorp, Inc.Direct Competitor1.65B32.7722.1413.44%11.89%5.49%0.74
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
FUNC logoFUNCFirst United CorporationDirect Competitor272.21M41.8711.116.6%20.51%12.61%0.56
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor183.64M24.9314.16-1.44%11.53%7.26%0.32
LOAN logoLOANManhattan Bridge Capital, Inc.Product Competitor49.84M4.369.69-10.55%63.01%11.59%0.41
RC logoRCReady Capital CorporationProduct Competitor279.22M1.69-1.1717.26%-290.69%-29.57%3.55
BXMT logoBXMTBlackstone Mortgage Trust, Inc.Product Competitor3.1B18.3628.69-13.96%6.75%2.93%4.61

Compare NBN vs Peers

Northeast Bank (NBN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NECB

Most directly comparable listed peer for NBN.

Scale Benchmark

vs ICE

Larger-name benchmark to compare NBN against a more recognizable public peer.

Peer Set

Compare Top 5

vs NECB, CNOB, NBTB, FUNC

NBN Income Statement

Northeast Bank (NBN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Net Interest Income
47.83M53.31M62.32M64.99M67.09M83.42M118.8M148.57M187.37M196.88M
NII Growth %
21.44%11.47%16.91%4.28%3.23%24.35%42.4%25.06%26.12%92.23%
Net Interest Margin %
4.44%4.6%5.4%5.17%3.09%5.27%4.14%4.74%4.38%3.98%
Interest Income
57.92M65.89M81.83M83.68M78.13M88.54M177.17M257.89M325.54M337.81M
Interest Expense
10.1M12.58M19.51M18.7M11.04M5.11M58.38M109.31M138.17M140.94M
Loan Loss Provision
1.59M1.41M1.31M4.5M-1.4M-2.46M2.3M1.77M8.74M6.82M
Non-Interest Income
7.96M5.67M4.2M11.13M68.77M21.24M2.74M2.63M25.46M17.41M
Non-Interest Income %
12.09%7.93%4.89%11.73%46.81%19.35%1.53%1.01%7.25%4.9%
Total Revenue
65.88M▲ 0%
71.57M▲ 8.6%
86.03M▲ 20.2%
94.81M▲ 10.2%
146.89M▲ 54.9%
109.78M▼ 25.3%
179.91M▲ 63.9%
260.51M▲ 44.8%
351M▲ 34.7%
355.23M▲ 0%
Revenue Growth %
22.82%8.63%20.21%10.2%54.93%-25.26%63.89%44.8%34.73%89.88%
Non-Interest Expense
34.05M34.38M45.6M38.33M36.16M45.58M54.02M61.31M78.39M78.68M
Efficiency Ratio
51.69%48.03%53%40.43%24.62%41.52%30.03%23.54%22.33%22.15%
Operating Income
20.14M▲ 0%
23.2M▲ 15.2%
19.61M▼ 15.4%
33.28M▲ 69.7%
101.09M▲ 203.8%
61.55M▼ 39.1%
65.22M▲ 6.0%
88.12M▲ 35.1%
125.7M▲ 42.6%
128.79M▲ 0%
Operating Margin %
30.57%32.41%22.8%35.1%68.82%56.07%36.25%33.82%35.81%36.26%
Operating Income Growth %
71.78%15.19%-15.44%69.66%203.77%-39.12%5.96%35.12%42.65%-
Pretax Income
20.14M▲ 0%
23.2M▲ 15.2%
19.61M▼ 15.4%
33.28M▲ 69.7%
101.09M▲ 203.8%
61.55M▼ 39.1%
65.22M▲ 6.0%
88.12M▲ 35.1%
125.7M▲ 42.6%
128.79M▲ 0%
Pretax Margin %
30.57%32.41%22.8%35.1%68.82%56.07%36.25%33.82%35.81%36.26%
Income Tax
7.8M7.03M5.73M10.54M29.59M19.39M21.03M29.89M42.25M41.62M
Effective Tax Rate %
38.73%30.31%29.22%31.68%29.27%31.5%32.24%33.92%33.62%32.31%
Net Income
12.34M▲ 0%
16.17M▲ 31.0%
13.88M▼ 14.1%
22.74M▲ 63.8%
71.5M▲ 214.5%
42.16M▼ 41.0%
44.19M▲ 4.8%
58.23M▲ 31.8%
83.44M▲ 43.3%
87.18M▲ 0%
Net Margin %
18.73%22.59%16.14%23.98%48.68%38.41%24.56%22.35%23.77%24.54%
Net Income Growth %
61.95%31.02%-14.12%63.76%214.48%-41.03%4.8%31.78%43.3%27.17%
Net Income (Continuing)
12.34M16.17M13.88M22.74M71.5M42.16M44.19M58.23M83.44M87.18M
EPS (Diluted)
1.38▲ 0%
1.77▲ 28.3%
1.52▼ 14.1%
2.53▲ 66.4%
8.55▲ 237.9%
5.34▼ 37.5%
5.96▲ 11.6%
7.58▲ 27.2%
10.08▲ 33.0%
10.37▲ 0%
EPS Growth %
72.5%28.26%-14.12%66.45%237.94%-37.54%11.61%27.18%32.98%20.72%
EPS (Basic)
1.391.821.542.578.645.406.027.6910.31-
Diluted Shares Outstanding
8.95M9.13M9.16M8.99M8.36M7.9M7.41M7.68M8.28M8.41M

NBN Balance Sheet

Northeast Bank (NBN) balance sheet — assets, liabilities & shareholders' equity

MetricJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Cash & Short Term Investments
259.98M238.47M132.68M208.57M1.07B226.99M251.31M291.14M428.93M1.59B
Cash & Due from Banks
163.28M157.4M56.91M143.66M1.01B172.08M197.91M242.16M413.62M446.22M
Short Term Investments
96.69M81.07M75.77M64.92M59.74M54.91M53.4M48.98M15.31M4.92M
Total Investments
876.92M961.84M1.06B1.06B1.1B1.36B2.57B2.79B3.73B4.39B
Investments Growth %
9.87%9.68%9.79%0.76%3.41%23.75%88.99%8.44%33.71%101.7%
Long-Term Investments
780.23M880.77M980.21M999.12M1.04B1.31B2.52B2.74B3.72B15.59B
Accounts Receivables
0000006.64M15.16M16.9M18.89M
Goodwill & Intangibles
4.15M3.84M3.29M2.11M2.06M1.28M1.53M984K699K639K
Goodwill
0000000000
Intangible Assets
4.15M3.84M3.29M2.11M2.06M1.28M1.53M984K699K639K
PP&E (Net)
6.94M6.59M5.58M9.67M11.27M9.61M27.74M27.14M24.7M23.65M
Other Assets
25.59M28.07M32.1M38.16M50.3M38.24M62.89M56.31M91.99M70.97M
Total Current Assets
259.98M238.47M132.68M208.57M1.07B226.99M257.95M306.3M445.82M470.02M
Total Non-Current Assets
816.9M919.27M1.02B1.05B1.1B1.36B2.61B2.83B3.83B4.48B
Total Assets
1.08B▲ 0%
1.16B▲ 7.5%
1.15B▼ 0.3%
1.26B▲ 9.0%
2.17B▲ 72.9%
1.58B▼ 27.2%
2.87B▲ 81.3%
3.13B▲ 9.1%
4.28B▲ 36.6%
4.95B▲ 0%
Asset Growth %
9.2%7.51%-0.34%8.99%72.9%-27.21%81.33%9.14%36.62%104.56%
Return on Assets (ROA)
1.2%1.45%1.2%1.89%4.17%2.24%1.98%1.94%2.25%1.98%
Accounts Payable
0000000000
Total Debt
44.5M39.56M30.15M59.32M36.11M34.45M584.53M365.44M339.24M519.3M
Net Debt
-118.78M-117.84M-26.75M-84.34M-974.38M-137.63M386.62M123.28M-74.48M73.08M
Long-Term Debt
43.63M38.96M29.83M42.38M30.05M15M251.62M345.19M313.07M501.13M
Short-Term Debt
00012.44M015M313.55M07.12M0
Other Liabilities
19.72M24.8M27.75M21.23M43.47M12.29M51.53M50.66M69.95M72.83M
Total Current Liabilities
889.85M954.94M942.37M1.02B1.86B1.3B2.25B2.34B3.38B3.82B
Total Non-Current Liabilities
64.23M64.37M57.91M68.1M79.58M31.75M325.07M416.11M399.45M592.13M
Total Liabilities
954.08M1.02B1B1.09B1.94B1.33B2.57B2.76B3.78B4.41B
Total Equity
122.8M▲ 0%
138.43M▲ 12.7%
153.58M▲ 10.9%
164.74M▲ 7.3%
232.39M▲ 41.1%
248.32M▲ 6.9%
296.66M▲ 19.5%
376.63M▲ 27.0%
494.29M▲ 31.2%
536.02M▲ 0%
Equity Growth %
5.32%12.73%10.94%7.27%41.07%6.85%19.47%26.96%31.24%115.63%
Equity / Assets (Capital Ratio)
11.4%11.96%13.31%13.1%10.69%15.69%10.34%12.02%11.55%10.83%
Return on Equity (ROE)
10.31%12.38%9.51%14.29%36.01%17.54%16.22%17.3%19.16%17.34%
Book Value per Share
13.7215.1616.7718.3227.8031.4240.0149.0559.7163.77
Tangible BV per Share
13.2514.7416.4118.0927.5531.2639.8148.9259.6363.70
Common Stock
8.83M8.94M9.04M8.2M8.15M7.44M7.67M8.13M8.53M8.55M
Additional Paid-in Capital
77.45M77.02M78.09M68.3M64.42M38.75M42.84M64.76M98.73M97.32M
Retained Earnings
38.14M54.24M67.58M89.96M161.13M202.98M246.87M303.93M387.04M430.14M
Accumulated OCI
-1.63M-1.76M-1.14M-1.72M-1.31M-850K-718K-183K-2K4K
Treasury Stock
0000000000
Preferred Stock
0000000000

NBN Cash Flow Statement

Northeast Bank (NBN) cash flow — operating, investing & free cash flow history

MetricJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Cash from Operations
33.99M19.45M18.77M16.31M8.34M30.5M60.11M2.56M54.13M7.14M
Operating CF Growth %
567.26%-42.77%-3.5%-13.14%-48.86%265.72%97.09%-95.74%2013.51%4254.64%
Net Income
12.34M16.17M13.88M22.74M71.5M42.16M44.19M58.23M83.44M87.18M
Depreciation & Amortization
1.88M1.73M1.76M2.95M2.6M2.6M3.21M3.06M3.15M3.15M
Deferred Taxes
-1.02M498K-3.73M-4.39M-713K819K-4.72M-285K-2.44M-3.54M
Other Non-Cash Items
15.34M-4.26M4.05M-10.47M-64.01M-12.85M-7.32M-52.95M-55.42M-97.27M
Working Capital Changes
4.51M4.45M1.45M4.37M-2.02M-4.11M21.32M-10.8M18.62M10.39M
Cash from Investing
-93.68M-83.6M-89.38M1.5M27.46M-248.95M-1.23B-158.25M-919.85M-683.13M
Purchase of Investments
-19.53M-26.17M-32.97M-15.04M-42.82M-16.93M-26.05M-20.6M-7.64M0
Sale/Maturity of Investments
21.2M33.74M39.16M26.29M46.91M20.02M27.19M25.83M41.67M22.59M
Net Investment Activity
1.68M7.57M6.19M11.24M4.09M3.09M1.14M5.23M34.04M22.59M
Acquisitions
0000000000
Other Investing
-94.66M-90.19M-95.27M-8.59M24.63M-250.98M-1.23B-161.03M-953.18M-704.67M
Cash from Financing
71.82M58.27M-29.89M68.94M831.03M-619.96M1.2B199.94M1.04B757.35M
Dividends Paid
-357K-355K-359K-358K-331K-315K-295K-306K-335K-341K
Share Repurchases
-6.94M00-11.47M-5.74M-27.98M-5.16M00-1.56M
Stock Issued
0000008M18.24M31.25M3.19M
Net Stock Activity
-6.94M00-11.47M-5.74M-27.98M2.83M18.24M31.25M1.63M
Debt Issuance (Net)
-1000K-1000K-282K1000K1000K-1000K1000K-1000K-1000K-2M
Other Financing
89.37M63.89M-12.75M69.72M826.03M-575.01M647.57M401.09M1.03B664.05M
Net Change in Cash
12.13M▲ 0%
-5.88M▼ 148.5%
-100.5M▼ 1608.8%
86.75M▲ 186.3%
866.83M▲ 899.2%
-838.41M▼ 196.7%
25.83M▲ 103.1%
44.25M▲ 71.3%
171.46M▲ 287.5%
81.35M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
151.16M163.28M157.4M56.91M143.66M1.01B172.08M197.91M242.16M341.82M
Cash at End
163.28M157.4M56.91M143.66M1.01B172.08M197.91M242.16M413.62M446.22M
Interest Paid
9.5M12.17M19.09M18.82M11.34M5.73M46.46M108.41M129.65M139.84M
Income Taxes Paid
7.67M5.34M4.41M13.29M32.46M17.99M28.25M35.52M41.43M44.65M
Free Cash Flow
33.3M▲ 0%
18.47M▼ 44.5%
18.48M▲ 0.0%
15.15M▼ 18.0%
7.08M▼ 53.3%
29.44M▲ 316.1%
57.64M▲ 95.8%
111K▼ 99.8%
53.42M▲ 48026.1%
6.08M▲ 0%
FCF Growth %
752.84%-44.52%0.02%-18%-53.31%316.13%95.8%-99.81%48026.13%-60.71%

NBN Banking Ratios

Northeast Bank (NBN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)10.31%12.38%9.51%14.29%36.01%17.54%16.22%17.3%19.16%17.34%
Return on Assets (ROA)1.2%1.45%1.2%1.89%4.17%2.24%1.98%1.94%2.25%1.98%
Net Interest Margin4.44%4.6%5.4%5.17%3.09%5.27%4.14%4.74%4.38%3.98%
Efficiency Ratio51.69%48.03%53%40.43%24.62%41.52%30.03%23.54%22.33%22.15%
Equity / Assets11.4%11.96%13.31%13.1%10.69%15.69%10.34%12.02%11.55%10.83%
Book Value / Share13.7215.1616.7718.3227.831.4240.0149.0559.7163.77
NII Growth21.44%11.47%16.91%4.28%3.23%24.35%42.4%25.06%26.12%21.57%
Dividend Payout2.89%2.2%2.59%1.57%0.46%0.75%0.67%0.53%0.4%0.39%
Related:NBN Dividend History·NBN Revenue History·NBN Price History·NBN P/E History·NBN Financial Ratios·NBN Institutional Holders

NBN Frequently Asked Questions

Northeast Bank (NBN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Northeast Bank (NBN) grew revenue by 34.7% over the past year. This is strong growth.

Yes, Northeast Bank (NBN) is profitable, generating $87.2M in net income for fiscal year 2025 (23.8% net margin).

Dividend & Returns

Northeast Bank (NBN) does not currently pay a meaningful dividend. The company may be reinvesting profits for growth.

Northeast Bank (NBN) has a return on equity (ROE) of 19.2%. This is reasonable for most industries.

Industry Metrics

Northeast Bank (NBN) has a net interest margin (NIM) of 4.4%. This indicates healthy earnings from lending activities.

Northeast Bank (NBN) has an efficiency ratio of 22.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NBN back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in NBN be worth today?

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