Northeast Bank(NBN)Earnings, Financials & Key Ratios
NBN•NASDAQ•Banking & Credit
$132.67
13.2× P/E·Price updated Jul 7, 2026
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%
NBN Price & Volume
Northeast Bank (NBN) stock price & volume — 10-year historical chart
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National Lending Strategy Drives Rapid Asset Expansion
Investment Thesis • Updated 2026Q3
VerdictNeutral: While the bank demonstrates strong earnings growth with a 58.3% EPS increase in 2026Q3
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:National CRE Concentration
Key Thesis Takeaways
- 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 efficiency ratio of 22.4%, the bank's reliance on distressed asset pools introduces significant volatility in provisioning and cash flow.
- Investors should monitor the sustainability of this growth trajectory against the bank's tight 0.11 equity-to-assets ratio and the inherent risks of its concentrated national CRE portfolio.
Verdict Logic
the minimal $2.4 million cash position and reliance on volatile CRE assets warrant a cautious approach.
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%
TTM34.05%
EPS CAGR
10 Years30.2%
5 Years31.85%
3 Years23.59%
TTM29.81%
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
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$3.53+17.7%
$3.00
Rev
$67M+8.3%
$61M
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$2.47+3.8%
$2.38
Rev
$52M-5.6%
$55M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$2.67-0.4%
$2.68
Rev
$50M-9.7%
$55M
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$3.00+18.1%
$2.54
Rev
$63M+9.9%
$57M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $3.53vs $3.00+17.7% | $67Mvs $61M+8.3% |
| Q1 2026 | Jan 26, 2026 | $2.47vs $2.38+3.8% | $52Mvs $55M-5.6% |
| Q4 2025 | Oct 28, 2025 | $2.67vs $2.68-0.4% | $50Mvs $55M-9.7% |
| Q3 2025 | Jul 28, 2025 | $3.00vs $2.54+18.1% | $63Mvs $57M+9.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Northeast Bank (NBN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $132.67 | $1.06B | 13.16 | 34.73% | 23.77% | 19.16% | 0.03% | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $32.20 | $1.62B | 21.76 | 13.44% | 13.35% | 6.32% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — |
Compare NBN vs Peers
Northeast Bank (NBN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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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 34.7% 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.