Northeast Bank (NBN) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
7.47
↑+24% vs avg
5yr avg: 6.03
30Y Low0.7·High58.1
P/FCF
↓
19.40
↓-98% vs avg
5yr avg: 854.91
30Y Low4.4·High90.3
P/B Ratio
↑
2.18
↑+81% vs avg
5yr avg: 1.20
30Y Low0.3·High1.7
ROE
↓
19.2%
-10% vs avg
5yr avg: 21.2%
30Y Low2%·High36%
Debt/EBITDA
↑
2.63
↓-18% vs avg
5yr avg: 3.21
30Y Low0.3·High44.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NBN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Northeast Bank trades at 12.9x earnings, 89% above its 5-year average of 6.8x, sitting at the 43rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 7%. On a free-cash-flow basis, the stock trades at 19.4x P/FCF, 98% below the 5-year average of 854.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.0B | $737M | $467M | $309M | $289M | $250M | $158M | $253M | $199M | $182M | $107M |
| Enterprise Value | $962M | $662M | $591M | $696M | $151M | $-724666800 | $73M | $226M | $81M | $63M | $10M |
| P/E Ratio → | 12.89 | 8.83 | 8.03 | 6.99 | 6.84 | 3.49 | 6.94 | 18.14 | 12.32 | 14.75 | 14.06 |
| P/S Ratio | 2.95 | 2.10 | 1.79 | 1.72 | 2.63 | 1.70 | 1.66 | 2.94 | 2.78 | 2.77 | 1.99 |
| P/B Ratio | 2.18 | 1.49 | 1.24 | 1.04 | 1.16 | 1.07 | 0.96 | 1.64 | 1.44 | 1.48 | 0.92 |
| P/FCF | 19.40 | 13.79 | 4210.31 | 5.36 | 9.81 | 35.30 | 10.41 | 13.67 | 10.77 | 5.47 | 27.33 |
| P/OCF | 19.15 | 13.61 | 182.48 | 5.14 | 9.47 | 29.95 | 9.68 | 13.45 | 10.23 | 5.36 | 20.95 |
P/E links to full P/E history page with 30-year chart
NBN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Northeast Bank's enterprise value stands at 7.5x EBITDA, 24% above its 5-year average of 6.0x. The Financial Services sector median is 11.5x, placing the stock at a 35% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.89 | 2.27 | 3.87 | 1.38 | -4.93 | 0.77 | 2.62 | 1.13 | 0.96 | 0.19 |
| EV / EBITDA | 7.47 | 5.14 | 6.48 | 10.17 | 2.35 | -6.99 | 2.03 | 10.56 | 3.26 | 2.88 | 0.73 |
| EV / EBIT | 7.65 | 5.27 | 6.70 | 10.67 | 2.45 | -7.17 | 2.21 | 11.51 | 3.50 | 3.15 | 0.86 |
| EV / FCF | — | 12.39 | 5320.97 | 12.07 | 5.13 | -102.43 | 4.85 | 12.22 | 4.39 | 1.90 | 2.58 |
NBN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Northeast Bank earns an operating margin of 35.8%, significantly above the Financial Services sector average of 20.2%. ROE of 19.2% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 12.0% represents solid returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.1% | 58.1% | 57.4% | 66.3% | 97.6% | 93.4% | 75.5% | 75.8% | 80.4% | 82.3% | 82.3% |
| Operating Margin | 35.8% | 35.8% | 33.8% | 36.2% | 56.1% | 68.8% | 35.1% | 22.8% | 32.4% | 30.6% | 21.9% |
| Net Profit Margin | 23.8% | 23.8% | 22.4% | 24.6% | 38.4% | 48.7% | 24.0% | 16.1% | 22.6% | 18.7% | 14.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.2% | 19.2% | 17.3% | 16.2% | 17.5% | 36.0% | 14.3% | 9.5% | 12.4% | 10.3% | 6.6% |
| ROA | 2.3% | 2.3% | 1.9% | 2.0% | 2.2% | 4.2% | 1.9% | 1.2% | 1.4% | 1.2% | 0.8% |
| ROIC | 12.0% | 12.0% | 8.1% | 8.4% | 16.7% | 30.8% | 12.2% | 8.1% | 10.1% | 8.9% | 5.2% |
| ROCE | 14.8% | 14.8% | 12.5% | 14.5% | 20.8% | 37.1% | 15.0% | 9.5% | 11.9% | 10.8% | 6.7% |
NBN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Northeast Bank carries a Debt/EBITDA ratio of 2.6x, which is moderately leveraged (38% below the sector average of 4.3x). The company holds a net cash position — cash of $414M exceeds total debt of $339M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.69 | 0.69 | 0.97 | 1.97 | 0.14 | 0.16 | 0.36 | 0.20 | 0.29 | 0.36 | 0.47 |
| Debt / EBITDA | 2.63 | 2.63 | 4.01 | 8.54 | 0.54 | 0.35 | 1.64 | 1.41 | 1.59 | 2.02 | 3.94 |
| Net Debt / Equity | — | -0.15 | 0.33 | 1.30 | -0.55 | -4.19 | -0.51 | -0.17 | -0.85 | -0.97 | -0.83 |
| Net Debt / EBITDA | -0.58 | -0.58 | 1.35 | 5.65 | -2.15 | -9.40 | -2.33 | -1.25 | -4.73 | -5.39 | -6.99 |
| Debt / FCF | — | -1.39 | 1110.67 | 6.71 | -4.67 | -137.72 | -5.57 | -1.45 | -6.38 | -3.57 | -24.75 |
| Interest Coverage | 0.91 | 0.91 | 0.81 | 1.12 | 12.04 | 9.16 | 1.78 | 1.01 | 1.84 | 1.99 | 1.49 |
Net cash position: cash ($414M) exceeds total debt ($339M)
NBN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.13x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.13 | 0.13 | 0.13 | 0.11 | 0.17 | 0.57 | 0.20 | 0.14 | 0.25 | 0.29 | 0.31 |
| Quick Ratio | 0.13 | 0.13 | 0.13 | 0.11 | 0.17 | 0.57 | 0.20 | 0.14 | 0.25 | 0.29 | 0.31 |
| Cash Ratio | 0.12 | 0.12 | 0.10 | 0.09 | 0.13 | 0.54 | 0.14 | 0.06 | 0.16 | 0.18 | 0.19 |
| Asset Turnover | — | 0.08 | 0.08 | 0.06 | 0.07 | 0.07 | 0.08 | 0.07 | 0.06 | 0.06 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
NBN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Northeast Bank returns 0.0% to shareholders annually primarily through dividends. The payout ratio of 0.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 0.4% | 0.4% | 0.5% | 0.7% | 0.7% | 0.5% | 1.6% | 2.6% | 2.2% | 2.9% | 5.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 11.3% | 12.5% | 14.3% | 14.6% | 28.6% | 14.4% | 5.5% | 8.1% | 6.8% | 7.1% |
| FCF Yield | 5.2% | 7.3% | 0.0% | 18.7% | 10.2% | 2.8% | 9.6% | 7.3% | 9.3% | 18.3% | 3.7% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $7M | $8M | $8M | $9M | $9M | $9M | $9M | $9M |
Peer Comparison
Compare NBN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NBNYou | $1B | 12.9 | 7.5 | 19.4 | 58.1% | 35.8% | 19.2% | 12.0% | 2.6 |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 CNOB | $2B | 22.1 | 24.2 | 16.3 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FUNC | $272M | 11.1 | 7.8 | 17.7 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 MNSB | $184M | 14.2 | 11.9 | 17.3 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 LOAN | $50M | 9.7 | -20.0 | 0.0 | 99.8% | 79.0% | 11.8% | — | 2.6 |
 RC | $279M | -1.2 | 47.6 | — | 87.7% | 24.2% | -12.8% | 1.2% | 47.4 |
 BXMT | $3B | 28.7 | 16.2 | 11.2 | 76.9% | 71.6% | 3.0% | 4.3% | 14.0 |
 GPMT | $70M | -1.3 | 20.7 | 26.4 | 83.0% | 43.6% | -7.0% | 2.6% | 20.6 |
 TPVG | $226M | 4.6 | 8.9 | — | 83.5% | 77.9% | 14.1% | 7.2% | 6.2 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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Run the NumbersIs NBN Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowNBN — Frequently Asked Questions
Quick answers to the most common questions about buying NBN stock.
What is Northeast Bank's P/E ratio?
Northeast Bank's current P/E ratio is 12.9x. The historical average is 14.0x. This places it at the 43th percentile of its historical range.
What is Northeast Bank's EV/EBITDA?
Northeast Bank's current EV/EBITDA is 7.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.1x.
What is Northeast Bank's ROE?
Northeast Bank's return on equity (ROE) is 19.2%. The historical average is 10.6%.
Is NBN stock overvalued?
Based on historical data, Northeast Bank is trading at a P/E of 12.9x. This is at the 43th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Northeast Bank's dividend yield?
Northeast Bank's current dividend yield is 0.03% with a payout ratio of 0.4%.
What are Northeast Bank's profit margins?
Northeast Bank has 58.1% gross margin and 35.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Northeast Bank have?
Northeast Bank's Debt/EBITDA ratio is 2.6x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.