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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.77
NAS:NBN's Cash to Debt is ranked higher than
54% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:NBN: 2.77 )
Ranked among companies with meaningful Cash to Debt only.
NAS:NBN' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.12 Max: N/A
Current: 2.77
Equity to Asset 0.12
NAS:NBN's Equity to Asset is ranked higher than
68% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:NBN: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NAS:NBN' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.18
Current: 0.12
0.07
0.18
Interest Coverage 1.49
NAS:NBN's Interest Coverage is ranked lower than
54% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:NBN: 1.49 )
Ranked among companies with meaningful Interest Coverage only.
NAS:NBN' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.27 Max: 1.63
Current: 1.49
0.06
1.63
F-Score: 4
M-Score: -2.26
WACC vs ROIC
5.69%
12.20%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 24.86
NAS:NBN's Operating margin (%) is ranked lower than
65% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:NBN: 24.86 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:NBN' s Operating margin (%) Range Over the Past 10 Years
Min: 3.52  Med: 11.09 Max: 31.09
Current: 24.86
3.52
31.09
Net-margin (%) 16.16
NAS:NBN's Net-margin (%) is ranked lower than
69% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:NBN: 16.16 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:NBN' s Net-margin (%) Range Over the Past 10 Years
Min: 2.91  Med: 7.85 Max: 29.63
Current: 16.16
2.91
29.63
ROE (%) 6.66
NAS:NBN's ROE (%) is ranked lower than
63% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:NBN: 6.66 )
Ranked among companies with meaningful ROE (%) only.
NAS:NBN' s ROE (%) Range Over the Past 10 Years
Min: 1.88  Med: 4.26 Max: 24.22
Current: 6.66
1.88
24.22
ROA (%) 0.84
NAS:NBN's ROA (%) is ranked lower than
53% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:NBN: 0.84 )
Ranked among companies with meaningful ROA (%) only.
NAS:NBN' s ROA (%) Range Over the Past 10 Years
Min: 0.14  Med: 0.36 Max: 2.35
Current: 0.84
0.14
2.35
Revenue Growth (3Y)(%) -14.30
NAS:NBN's Revenue Growth (3Y)(%) is ranked lower than
92% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:NBN: -14.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:NBN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.9  Med: 7.3 Max: 10.5
Current: -14.3
-31.9
10.5
EBITDA Growth (3Y)(%) 15.20
NAS:NBN's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:NBN: 15.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:NBN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -39  Med: 2.95 Max: 21.5
Current: 15.2
-39
21.5
EPS Growth (3Y)(%) 68.70
NAS:NBN's EPS Growth (3Y)(%) is ranked higher than
96% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:NBN: 68.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:NBN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -60.4  Med: 2.1 Max: 72.1
Current: 68.7
-60.4
72.1
» NAS:NBN's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-26)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

NBN Guru Trades in Q3 2015

Michael Price 361,800 sh (unchged)
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Q4 2015

NBN Guru Trades in Q4 2015

Michael Price 361,800 sh (unchged)
» More
Q1 2016

NBN Guru Trades in Q1 2016

Michael Price 361,800 sh (unchged)
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Q2 2016

NBN Guru Trades in Q2 2016

Michael Price 361,800 sh (unchged)
» More
» Details

Insider Trades

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:ACFC, NAS:SOCB, NAS:FBMS, NAS:CLBH, NAS:FCCO, NAS:SLCT, NAS:BOCH, NAS:CHEV, OTCPK:MNAT, NAS:AUBN, NAS:SMBK, NAS:ASBB, NAS:CBFV, NAS:EVBS, NAS:PKBK, OTCPK:ENBP, OTCPK:FRAF, NAS:UBFO, NAS:OPOF, NAS:TRCB » 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, which has ten banking branches. It conducts its loan-related activities through two main channels: its Community Banking Division and its Loan Acquisition and Servicing Group. 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. 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. The Bank's investment brokerage division, Northeast Financial Services ('Northeast Financial'), offers an array of investment and financial planning products and services through the Bank's branch network. 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

Ratios

vs
industry
vs
history
P/E(ttm) 13.94
NBN's P/E(ttm) is ranked lower than
54% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. NBN: 13.94 )
Ranked among companies with meaningful P/E(ttm) only.
NBN' s P/E(ttm) Range Over the Past 10 Years
Min: 3.43  Med: 17.27 Max: 45
Current: 13.94
3.43
45
PE(NRI) 13.94
NBN's PE(NRI) is ranked lower than
54% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. NBN: 13.94 )
Ranked among companies with meaningful PE(NRI) only.
NBN' s PE(NRI) Range Over the Past 10 Years
Min: 3.48  Med: 17.07 Max: 43.04
Current: 13.94
3.48
43.04
Price/Owner Earnings (ttm) 12.85
NBN's Price/Owner Earnings (ttm) is ranked lower than
51% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. NBN: 12.85 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NBN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.35  Med: 15.87 Max: 352.22
Current: 12.85
2.35
352.22
P/B 0.90
NBN's P/B is ranked higher than
64% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. NBN: 0.90 )
Ranked among companies with meaningful P/B only.
NBN' s P/B Range Over the Past 10 Years
Min: 0.33  Med: 0.84 Max: 1.52
Current: 0.9
0.33
1.52
P/S 2.33
NBN's P/S is ranked higher than
64% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. NBN: 2.33 )
Ranked among companies with meaningful P/S only.
NBN' s P/S Range Over the Past 10 Years
Min: 0.58  Med: 1.81 Max: 2.72
Current: 2.33
0.58
2.72
EV-to-EBIT 4.27
NBN's EV-to-EBIT is ranked higher than
85% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. NBN: 4.27 )
Ranked among companies with meaningful EV-to-EBIT only.
NBN' s EV-to-EBIT Range Over the Past 10 Years
Min: -31.5  Med: 23.2 Max: 171.9
Current: 4.27
-31.5
171.9
EV-to-EBITDA 3.61
NBN's EV-to-EBITDA is ranked higher than
86% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. NBN: 3.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
NBN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10  Med: 12.75 Max: 85.4
Current: 3.61
-10
85.4
Shiller P/E 14.64
NBN's Shiller P/E is ranked higher than
67% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. NBN: 14.64 )
Ranked among companies with meaningful Shiller P/E only.
NBN' s Shiller P/E Range Over the Past 10 Years
Min: 4.97  Med: 9.75 Max: 15.36
Current: 14.64
4.97
15.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.36
NBN's Dividend Yield is ranked lower than
97% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. NBN: 0.36 )
Ranked among companies with meaningful Dividend Yield only.
NBN' s Dividend Yield Range Over the Past 10 Years
Min: 0.34  Med: 2.62 Max: 5.11
Current: 0.36
0.34
5.11
Dividend Payout 0.05
NBN's Dividend Payout is ranked higher than
97% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NBN: 0.05 )
Ranked among companies with meaningful Dividend Payout only.
NBN' s Dividend Payout Range Over the Past 10 Years
Min: 0.03  Med: 0.24 Max: 4.5
Current: 0.05
0.03
4.5
Dividend Growth (3y) -51.90
NBN's Dividend Growth (3y) is ranked lower than
94% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. NBN: -51.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NBN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -51.9  Med: 1.8 Max: 12.9
Current: -51.9
-51.9
12.9
Forward Dividend Yield 0.36
NBN's Forward Dividend Yield is ranked lower than
97% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. NBN: 0.36 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.08
NBN's Yield on cost (5-Year) is ranked lower than
100% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. NBN: 0.08 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NBN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.07  Med: 0.55 Max: 1.07
Current: 0.08
0.07
1.07
3-Year Average Share Buyback Ratio 2.60
NBN's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NBN: 2.60 )
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: 0.75 Max: 2.7
Current: 2.6
-65.1
2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.91
NBN's Price/Tangible Book is ranked higher than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NBN: 0.91 )
Ranked among companies with meaningful Price/Tangible Book only.
NBN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.47  Med: 1.02 Max: 2.22
Current: 0.91
0.47
2.22
Price/Projected FCF 2.04
NBN's Price/Projected FCF is ranked lower than
94% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. NBN: 2.04 )
Ranked among companies with meaningful Price/Projected FCF only.
NBN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.71 Max: 2.06
Current: 2.04
0.25
2.06
Price/Median PS Value 1.28
NBN's Price/Median PS Value is ranked lower than
78% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NBN: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
NBN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.11 Max: 4.18
Current: 1.28
0.34
4.18
Price/Graham Number 0.75
NBN's Price/Graham Number is ranked higher than
59% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. NBN: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
NBN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.4  Med: 0.81 Max: 1.75
Current: 0.75
0.4
1.75
Earnings Yield (Greenblatt) (%) 23.40
NBN's Earnings Yield (Greenblatt) (%) is ranked higher than
88% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. NBN: 23.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NBN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 4.3 Max: 3969.8
Current: 23.4
0.6
3969.8
Forward Rate of Return (Yacktman) (%) -23.98
NBN's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. NBN: -23.98 )
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: -40.9  Med: -4 Max: 38.7
Current: -23.98
-40.9
38.7

More Statistics

Revenue (TTM) (Mil) $47.15
EPS (TTM) $ 0.80
Beta0.30
Short Percentage of Float0.28%
52-Week Range $9.56 - 11.72
Shares Outstanding (Mil)8.83
» More Articles for NAS: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 /ME/ Files SEC form 8-K, Change in Directors or Principal Officers Sep 23 2016
NORTHEAST BANCORP /ME/ Financials Sep 17 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
Northeast Bancorp :NBN-US: Earnings Analysis: 2016 By the Numbers : August 22, 2016 Aug 22 2016
Northeast Bancorp :NBN-US: Earnings Analysis: Q4, 2016 By the Numbers : August 11, 2016 Aug 11 2016
Zach Farrington Joins Northeast Bank’s Mortgage Lending Team Aug 01 2016
Edited Transcript of NBN earnings conference call or presentation 28-Jul-16 2:00pm GMT Jul 31 2016
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 27 2016
Northeast Bancorp Reports Fourth Quarter Results, Declares Dividend Jul 27 2016
Q4 2016 Northeast Bancorp Earnings Release - After Market Close Jul 27 2016
Northeast Bancorp Announces Dates for Fiscal 2016 Fourth Quarter Earnings Results and Conference... Jul 22 2016
Northeast Bancorp Closed Private Placement of $15.05 million of Subordinated Notes Due 2026 Jun 30 2016
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a... Jun 29 2016
Northeast Bancorp Closed Private Placement of $15.05 million of Subordinated Notes Due 2026 Jun 29 2016
NORTHEAST BANCORP /ME/ Files SEC form 10-Q, Quarterly Report May 13 2016
Northeast Bancorp :NBN-US: Earnings Analysis: Q3, 2016 By the Numbers May 05 2016
Edited Transcript of NBN earnings conference call or presentation 3-May-16 2:00pm GMT May 03 2016
Northeast Bancorp posts 3Q profit May 02 2016
Northeast Bancorp posts 3Q profit May 02 2016

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