Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 2.52
NBN's Cash-to-Debt is ranked higher than
54% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. NBN: 2.52 )
Ranked among companies with meaningful Cash-to-Debt only.
NBN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.13 Max: 3.13
Current: 2.52
0.05
3.13
Equity-to-Asset 0.11
NBN's Equity-to-Asset is ranked higher than
59% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NBN: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
NBN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.18
Current: 0.11
0.07
0.18
Interest Coverage 1.51
NBN's Interest Coverage is ranked lower than
52% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. NBN: 1.51 )
Ranked among companies with meaningful Interest Coverage only.
NBN' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.42 Max: 1.63
Current: 1.51
0.06
1.63
Beneish M-Score: -2.33
WACC vs ROIC
7.26%
16.80%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating Margin % 27.23
NBN's Operating Margin % is ranked lower than
60% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. NBN: 27.23 )
Ranked among companies with meaningful Operating Margin % only.
NBN' s Operating Margin % Range Over the Past 10 Years
Min: 3.62  Med: 11.09 Max: 31.09
Current: 27.23
3.62
31.09
Net Margin % 17.53
NBN's Net Margin % is ranked lower than
66% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. NBN: 17.53 )
Ranked among companies with meaningful Net Margin % only.
NBN' s Net Margin % Range Over the Past 10 Years
Min: 3.48  Med: 7.85 Max: 29.63
Current: 17.53
3.48
29.63
ROE % 7.74
NBN's ROE % is ranked lower than
55% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. NBN: 7.74 )
Ranked among companies with meaningful ROE % only.
NBN' s ROE % Range Over the Past 10 Years
Min: 1.88  Med: 4.11 Max: 24.22
Current: 7.74
1.88
24.22
ROA % 0.92
NBN's ROA % is ranked higher than
54% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NBN: 0.92 )
Ranked among companies with meaningful ROA % only.
NBN' s ROA % Range Over the Past 10 Years
Min: 0.16  Med: 0.36 Max: 2.35
Current: 0.92
0.16
2.35
3-Year Revenue Growth Rate 9.60
NBN's 3-Year Revenue Growth Rate is ranked higher than
75% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. NBN: 9.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NBN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -33.5  Med: 5.7 Max: 10.5
Current: 9.6
-33.5
10.5
3-Year EBITDA Growth Rate 19.70
NBN's 3-Year EBITDA Growth Rate is ranked higher than
79% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. NBN: 19.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NBN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -39  Med: 3.7 Max: 19.7
Current: 19.7
-39
19.7
3-Year EPS without NRI Growth Rate 28.20
NBN's 3-Year EPS without NRI Growth Rate is ranked higher than
85% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NBN: 28.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NBN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -60.4  Med: 2.9 Max: 72.1
Current: 28.2
-60.4
72.1
GuruFocus has detected 6 Warning Signs with Northeast Bancorp $NBN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NBN's 10-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NBN Guru Trades in Q1 2016

Michael Price 361,800 sh (unchged)
» More
Q2 2016

NBN Guru Trades in Q2 2016

Michael Price 361,800 sh (unchged)
» More
Q3 2016

NBN Guru Trades in Q3 2016

Michael Price 361,800 sh (unchged)
» More
Q4 2016

NBN Guru Trades in Q4 2016

Jim Simons 112,200 sh (New)
Michael Price 361,800 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with NBN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BOCH, OTCPK:BERK, NAS:BKSC, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
Northeast Bancorp is a bank holding company of Northeast Bank. It provides online banking, mobile banking, business services and financing options.

Northeast Bancorp, formerly known as Bethel Bancorp, a Maine corporation chartered in April 1987, is a bank holding company registered with the Board of Governors of the Federal Reserve System ('Federal Reserve') under the Bank Holding Company Act of 1956, as amended. The Bank, which was originally organized in 1872. The Company's main subsidiary and main asset is its wholly-owned banking subsidiary, Northeast Bank. It conducts its loan-related activities through three main channels: its Community Banking Division, Loan Acquisition and Servicing Group and Small Business Administration. Its Community Banking Division originates loans directly to consumers and businesses located mainly in its market area in Maine and New Hampshire. Its Loan Acquisition and Servicing Group purchases performing commercial real estate loans, on a nationwide basis, at a discount from their outstanding principal balances, producing yields higher than those normally achieved on the Company's originated loan portfolio. Its originated loan portfolio consists of loans to consumers and businesses in its Community Banking Division's main market area. Its Loan Acquisition and Servicing Group purchases performing commercial loans secured by income-producing collateral, and from time to time may also originate commercial loans on a nationwide basis. The SBA Division originates loans to small businesses which provides the partial guarantee of the SBA. Loans are purchased on a nationwide basis from a variety of sources, including banks, insurance companies, investment funds and government agencies, either directly or indirectly through a broker. Its securities portfolio and short-term investments provide and maintain liquidity, assist in managing the interest rate sensitivity of its balance sheet, and serve as collateral for certain of its obligations. It offers a line of deposit products to customers in the Community Banking Division's market area through its ten-branch network. Its deposit products consist of demand deposit, NOW, money market, savings and certificate of deposit accounts. Its customers access their funds through ATMs, Mastercard Debit Cards, Automated Clearing House funds (electronic transfers) and checks. It also offers telephone banking; Internet banking, Internet bill payment and remote deposit capture services. Interest rates on its deposits are based upon factors that include prevailing loan demand, deposit maturities, alternative costs of funds, interest rates offered by competing financial institutions and other financial service firms, and general economic conditions. The Company's competitors include savings banks, commercial banks, credit unions, mutual funds, insurance companies, brokerage and investment banking companies, finance companies, and other financial intermediaries operating in Maine. The Company is subject to regulation and supervision by the Federal Reserve.

Ratios

vs
industry
vs
history
PE Ratio 15.88
NBN's PE Ratio is ranked lower than
60% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. NBN: 15.88 )
Ranked among companies with meaningful PE Ratio only.
NBN' s PE Ratio Range Over the Past 10 Years
Min: 3.43  Med: 17.27 Max: 45
Current: 15.88
3.43
45
PE Ratio without NRI 15.88
NBN's PE Ratio without NRI is ranked lower than
57% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. NBN: 15.88 )
Ranked among companies with meaningful PE Ratio without NRI only.
NBN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.48  Med: 17.07 Max: 43.04
Current: 15.88
3.48
43.04
Price-to-Owner-Earnings 11.09
NBN's Price-to-Owner-Earnings is ranked higher than
63% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. NBN: 11.09 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NBN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.41  Med: 15.51 Max: 72.67
Current: 11.09
2.41
72.67
PB Ratio 1.18
NBN's PB Ratio is ranked higher than
51% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. NBN: 1.18 )
Ranked among companies with meaningful PB Ratio only.
NBN' s PB Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.84 Max: 1.37
Current: 1.18
0.33
1.37
PS Ratio 2.80
NBN's PS Ratio is ranked higher than
62% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. NBN: 2.80 )
Ranked among companies with meaningful PS Ratio only.
NBN' s PS Ratio Range Over the Past 10 Years
Min: 0.58  Med: 1.83 Max: 2.87
Current: 2.8
0.58
2.87
EV-to-EBIT 4.87
NBN's EV-to-EBIT is ranked higher than
76% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. NBN: 4.87 )
Ranked among companies with meaningful EV-to-EBIT only.
NBN' s EV-to-EBIT Range Over the Past 10 Years
Min: -31.5  Med: 17.6 Max: 519.5
Current: 4.87
-31.5
519.5
EV-to-EBITDA 4.22
NBN's EV-to-EBITDA is ranked higher than
78% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. NBN: 4.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
NBN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10  Med: 10.65 Max: 85.4
Current: 4.22
-10
85.4
Shiller PE Ratio 20.15
NBN's Shiller PE Ratio is ranked higher than
52% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. NBN: 20.15 )
Ranked among companies with meaningful Shiller PE Ratio only.
NBN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.01  Med: 9.74 Max: 20.72
Current: 20.15
5.01
20.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.26
NBN's Dividend Yield % is ranked lower than
99% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. NBN: 0.26 )
Ranked among companies with meaningful Dividend Yield % only.
NBN' s Dividend Yield % Range Over the Past 10 Years
Min: 0.25  Med: 2.75 Max: 5.33
Current: 0.26
0.25
5.33
Dividend Payout Ratio 0.04
NBN's Dividend Payout Ratio is ranked higher than
98% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NBN: 0.04 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NBN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.52 Max: 2.4
Current: 0.04
0.04
2.4
3-Year Dividend Growth Rate -51.90
NBN's 3-Year Dividend Growth Rate is ranked lower than
94% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NBN: -51.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NBN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -51.9  Med: 0.9 Max: 12.9
Current: -51.9
-51.9
12.9
Forward Dividend Yield % 0.26
NBN's Forward Dividend Yield % is ranked lower than
99% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. NBN: 0.26 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.02
NBN's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. NBN: 0.02 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NBN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.02  Med: 0.22 Max: 0.44
Current: 0.02
0.02
0.44
3-Year Average Share Buyback Ratio 3.70
NBN's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. NBN: 3.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NBN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -65.1  Med: 1 Max: 3.7
Current: 3.7
-65.1
3.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.19
NBN's Price-to-Tangible-Book is ranked higher than
55% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. NBN: 1.19 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NBN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.47  Med: 1 Max: 2.22
Current: 1.19
0.47
2.22
Price-to-Intrinsic-Value-Projected-FCF 1.21
NBN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
76% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NBN: 1.21 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NBN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.23  Med: 0.71 Max: 1.62
Current: 1.21
0.23
1.62
Price-to-Median-PS-Value 1.52
NBN's Price-to-Median-PS-Value is ranked lower than
80% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NBN: 1.52 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NBN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 1.11 Max: 3.17
Current: 1.52
0.34
3.17
Price-to-Peter-Lynch-Fair-Value 1.17
NBN's Price-to-Peter-Lynch-Fair-Value is ranked higher than
50% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NBN: 1.17 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
NBN' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.24  Med: 0.77 Max: 4.44
Current: 1.17
0.24
4.44
Price-to-Graham-Number 0.91
NBN's Price-to-Graham-Number is ranked higher than
52% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. NBN: 0.91 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NBN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.4  Med: 0.79 Max: 1.75
Current: 0.91
0.4
1.75
Earnings Yield (Greenblatt) % 20.59
NBN's Earnings Yield (Greenblatt) % is ranked higher than
81% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. NBN: 20.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NBN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 4.4 Max: 3897.6
Current: 20.59
0.2
3897.6
Forward Rate of Return (Yacktman) % 14.20
NBN's Forward Rate of Return (Yacktman) % is ranked higher than
58% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. NBN: 14.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NBN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -37.9  Med: -2.1 Max: 41.2
Current: 14.2
-37.9
41.2

More Statistics

Revenue (TTM) (Mil) $50.52
EPS (TTM) $ 0.96
Beta0.49
Short Percentage of Float0.23%
52-Week Range $10.31 - 15.90
Shares Outstanding (Mil)8.83
» More Articles for NBN

Headlines

Articles On GuruFocus.com
Top Insider Buys Highlight: Northeast Bancorp Aug 19 2014 
Weekly CFO Buys Highlight: NBN, QTWW, HDY, WIN, FCH, POL May 27 2012 
Weekly CFO Buys Highlight: NBN, EMMS, STXS, FOE, NVTL May 21 2012 
Northeast Bancorp Reports Operating Results (10-Q) Feb 14 2011 
Northeast Bancorp (NBN) CEO-Community Banking Division James D Delamater sells 17,072 Shares Feb 08 2011 
Weekly CFO Buys Highlight: Northeast Bancorp and PokerTek Inc. Jan 08 2011 
Northeast Bancorp Reports Operating Results (10-Q) Nov 10 2010 
Northeast Bancorp Reports Operating Results (10-K) Sep 28 2010 
Northeast Bancorp Reports Operating Results (10-Q) May 14 2010 
Northeast Bancorp Reports Operating Results (10-Q) Feb 12 2010 

More From Other Websites
Northeast Bancorp :NBN-US: Earnings Analysis: Q2, 2017 By the Numbers : March 14, 2017 Mar 14 2017
NORTHEAST BANCORP /ME/ Financials Feb 15 2017
NORTHEAST BANCORP /ME/ Files SEC form 10-Q, Quarterly Report Feb 09 2017
Edited Transcript of NBN earnings conference call or presentation 31-Jan-17 3:00pm GMT Jan 31 2017
Northeast Bancorp posts 2Q profit Jan 30 2017
Northeast Bancorp posts 2Q profit Jan 30 2017
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 30 2017
Northeast Bancorp Reports Record Quarterly Results, Surpasses $1 Billion in Assets and Declares... Jan 30 2017
Q2 2017 Northeast Bancorp Earnings Release - After Market Close Jan 30 2017
Northeast Bancorp Announces Dates for Fiscal 2017 Second Quarter Earnings Results and Conference... Jan 25 2017
Northeast Bancorp : NBN-US: Dividend Analysis : November 04th, 2016 (record date) : By the numbers :... Dec 01 2016
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 22 2016
Northeast Bank Launches Heroes Advantage Mortgage Program Nov 18 2016
NORTHEAST BANCORP /ME/ Files SEC form 10-Q, Quarterly Report Nov 09 2016
Edited Transcript of NBN earnings conference call or presentation 27-Oct-16 2:00pm GMT Oct 28 2016
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 26 2016
ETF’s with exposure to Northeast Bancorp : October 4, 2016 Oct 04 2016
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Change in Directors or Principal Officers Sep 23 2016
NORTHEAST BANCORP /ME/ Files SEC form 10-K, Annual Report Sep 13 2016
ETF’s with exposure to Northeast Bancorp : September 12, 2016 Sep 12 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)