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NBNNortheast Bank
$132.50$1.1B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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NBN logo

Northeast Bank

NBN
NASDAQ · Regional Banks
$132.50
At close - Sep 21, 4:00 PM EDT - USD
Market Cap$1.1B
P/E13.1x
52W High$142.31
Volume82.94K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

National Lending Strategy Drives Rapid Asset Expansion

Northeast Bank has successfully pivoted toward a high-yield national commercial loan acquisition model, evidenced by a 37.3% year-over-year growth in net interest income as of 2026Q3. While this strategy has delivered impressive operational leverage with an ef...

GrowthAccelerating
ProfitabilityStrong
ValuationReview
TechnicalsHealthy
Explore valuation models
MARKET ACTION

NBN price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

10/12 Beats

EPS beat 10 of last 12 quarters

02

Valuation risk

-19% Peers

P/E is 19% below peer median

03

Market leadership

RS 73 · Avg

Average momentum (RS Rating: 73)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 27

Market performance

Price History →

Trailing total returns as of 9/22/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
NBN+28.85%
S&P 500 (^GSPC)+13.22%
1-Year Return
NBN+21.92%
S&P 500 (^GSPC)+15.99%
3-Year Return
NBN+206.57%
S&P 500 (^GSPC)+83.87%
5-Year Return
NBN+311.98%
S&P 500 (^GSPC)+75.85%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
13.1x
Forward P/EExpansion
11.0x
EV/EBITDA75th %ile
7.9x
FCF YieldCash Flow
4.9%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
13.1x
7.0x
100th· High
EV/EBITDA
7.9x
6.5x
75th· Fair
Price/FCF
20.6x
13.8x
75th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$94.45-28.7%
Base (Fair)$168.05+25.9%
Bull$258.04+94.7%
$94.45 Bear$168.05 Base$258.04 Bull
Current Market Price: $132.50
Trades at a 21.2% discount to Base DCF ($168.05)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$213M+40.8% YoY
Net income
$83M+43.3% YoY
Free cash flow
$53M+48026.1% YoY
Operating margin
35.8%+2.0 pts YoY
ROIC (TTM)12%
Avg ROIC 5Y-
ROE (TTM)19.2%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate10/12 (83%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 27, 2026
$4.05+19.1%
vs $3.40
$65M-2.9%
vs $67M
Q2 2026
Apr 27, 2026
$3.53+17.7%
vs $3.00
$67M+8.3%
vs $61M
Q1 2026
Jan 26, 2026
$2.47+3.8%
vs $2.38
$52M-5.6%
vs $55M
Q4 2025
Oct 28, 2025
$2.67-0.4%
vs $2.68
$53M-7.9%
vs $57M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Sep 8, 2026
Jupiter Topco LLC Invests $516,000 in Northeast Bancorp $NBN

Jupiter Topco LLC bought a new stake in Northeast Bancorp (NASDAQ: NBN) during the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The institutional investor bought 3,900 shares of the financial services provider's stock, valued at approximately $516,000. Several other hedge funds have

Defense World·Sep 4, 2026
Corient Private Wealth LP Purchases New Shares in Northeast Bancorp $NBN

Corient Private Wealth LP purchased a new position in Northeast Bancorp (NASDAQ: NBN) in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 13,927 shares of the financial services provider's stock, valued at approximately $1,846,000. Corient Private Wealth LP

Seeking Alpha·Jul 28, 2026
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 ROA (2.71%) and ROE (23.5%) metrics. Despite an almost 30% YTD rally and a forward PE below 9, I rate NBN a cautious buy, citing operational excellence and improving asset quality.

Seeking Alpha·Jul 27, 2026
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 return on equity at 23.5% and an industry-leading efficiency ratio of 35.98%. Asset quality remains strong, with nonperforming assets at 0.67% and allowance coverage solid, supporting the premium valuation.

Filtered for Northeast BankMore Headlines
04

Compare before deciding

Benchmark NBN against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Northeast Bank (NBN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NBN logoNBNNortheast BankCurrent
$132.50$1.1B13.1440.76%23.77%19.16%0.03%
NECB logoNECBNortheast Community Bancorp, Inc.
$27.10$374.4M8.341.33%27.87%12%—
CNOB logoCNOBConnectOne Bancorp, Inc.
$31.52$1.59B21.3019.23%26.13%10.11%—
NBTB logoNBTBNBT Bancorp Inc.
$51.22$2.66B15.3814.54%22.65%11.26%—
FUNC logoFUNCFirst United Corporation
$43.64$281.65M11.588.34%20.89%12.7%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.67$175.59M14.0212.18%13.25%8%—

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

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NBN Frequently Asked Questions

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

Growth & Financials
How fast is Northeast Bank growing?

Northeast Bank (NBN) grew revenue by 40.8% over the past year. This is strong growth.

Is NBN profitable?

Yes, Northeast Bank (NBN) is profitable, generating $98.3M in net income for fiscal year 2025 (23.8% net margin).

Dividend & Returns
Does NBN pay dividends?

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

What is NBN's return on equity?

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

Industry Metrics
What is Northeast Bank's net interest margin?

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

What is Northeast Bank's efficiency ratio?

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

See returns →