# Northeast Bank (NBN) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $132.86, market value $1.1 billion.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 7.9×, 3-yr avg 8.4×). Northeast Bank trades at 10.4× trailing earnings, well above its own five-year average of 7.9×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.4×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 5.1×**. Each dollar of revenue is priced at 5.1×.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -5.6%** (5-yr avg 8.7%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 9.6%**. The inverse of the P/E: 9.6% of the price is earned each year.

## Profitability
- **Net margin: 48.3%**. 48.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.8%**. 17.8% on shareholders' equity is solid.
- **Return on assets: 2.1%**. Each dollar of assets produces 2.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 8.9%** (3-yr 22.4%/yr). Revenue grew 8.9% over the last year.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $434 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.03%** ($0.04 per share, trailing). Northeast Bank yields 0.03%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 0%**. 0% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 20.3%** (YTD 27.9%, 3-mo 11.4%). The shares are up 20.3% over twelve months including dividends.
- **From 52-week high: -6.6%** (64.5% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.96** (volatility 35%). Beta of 0.96 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NBN · Page: https://foliofundamentals.com/stocks/nbn

Not investment advice.