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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 0.07
NBN's Cash to Debt is ranked lower than
94% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NBN: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
NBN' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.12 Max: N/A
Current: 0.07
Equity to Asset 0.13
NBN's Equity to Asset is ranked higher than
75% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NBN: 0.13 )
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: 0.13
0.07
0.18
Interest Coverage 1.57
NBN's Interest Coverage is ranked lower than
53% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. NBN: 1.57 )
Ranked among companies with meaningful Interest Coverage only.
NBN' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.19 Max: 1.54
Current: 1.57
0.06
1.54
F-Score: 5
WACC vs ROIC
5.31%
10.58%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 25.76
NBN's Operating margin (%) is ranked lower than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. NBN: 25.76 )
Ranked among companies with meaningful Operating margin (%) only.
NBN' s Operating margin (%) Range Over the Past 10 Years
Min: 3.62  Med: 10.48 Max: 25.05
Current: 25.76
3.62
25.05
Net-margin (%) 16.45
NBN's Net-margin (%) is ranked lower than
71% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. NBN: 16.45 )
Ranked among companies with meaningful Net-margin (%) only.
NBN' s Net-margin (%) Range Over the Past 10 Years
Min: 3.48  Med: 7.68 Max: 16.06
Current: 16.45
3.48
16.06
ROE (%) 6.54
NBN's ROE (%) is ranked lower than
61% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. NBN: 6.54 )
Ranked among companies with meaningful ROE (%) only.
NBN' s ROE (%) Range Over the Past 10 Years
Min: 1.88  Med: 3.49 Max: 10.14
Current: 6.54
1.88
10.14
ROA (%) 0.89
NBN's ROA (%) is ranked higher than
53% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. NBN: 0.89 )
Ranked among companies with meaningful ROA (%) only.
NBN' s ROA (%) Range Over the Past 10 Years
Min: 0.16  Med: 0.34 Max: 0.89
Current: 0.89
0.16
0.89
Revenue Growth (3Y)(%) -14.30
NBN's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NBN: -14.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NBN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.70 Max: 10.6
Current: -14.3
0
10.6
EBITDA Growth (3Y)(%) 15.00
NBN's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NBN: 15.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NBN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.20 Max: 21.6
Current: 15
0
21.6
EPS Growth (3Y)(%) 68.70
NBN's EPS Growth (3Y)(%) is ranked higher than
95% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NBN: 68.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NBN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -52.2  Med: 2.90 Max: 68.7
Current: 68.7
-52.2
68.7
» NBN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

NBN Guru Trades in Q4 2014

Michael Price 360,000 sh (+6.87%)
» More
Q1 2015

NBN Guru Trades in Q1 2015

Michael Price 361,800 sh (+0.50%)
» More
Q2 2015

NBN Guru Trades in Q2 2015

Michael Price 361,800 sh (unchged)
» More
Q3 2015

NBN Guru Trades in Q3 2015

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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.10
NBN's P/E(ttm) is ranked lower than
60% of the 2140 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. NBN: 13.10 )
Ranked among companies with meaningful P/E(ttm) only.
NBN' s P/E(ttm) Range Over the Past 10 Years
Min: 2.49  Med: 17.73 Max: 62.13
Current: 13.1
2.49
62.13
Forward P/E 16.29
NBN's Forward P/E is ranked lower than
93% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.35 vs. NBN: 16.29 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.10
NBN's PE(NRI) is ranked lower than
55% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. NBN: 13.10 )
Ranked among companies with meaningful PE(NRI) only.
NBN' s PE(NRI) Range Over the Past 10 Years
Min: 1.79  Med: 17.47 Max: 62.5
Current: 13.1
1.79
62.5
P/B 0.84
NBN's P/B is ranked higher than
63% of the 2196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NBN: 0.84 )
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: 0.84
0.33
1.52
P/S 2.19
NBN's P/S is ranked higher than
60% of the 2510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. NBN: 2.19 )
Ranked among companies with meaningful P/S only.
NBN' s P/S Range Over the Past 10 Years
Min: 0.58  Med: 1.91 Max: 2.82
Current: 2.19
0.58
2.82
EV-to-EBIT 4.74
NBN's EV-to-EBIT is ranked higher than
91% of the 2085 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. NBN: 4.74 )
Ranked among companies with meaningful EV-to-EBIT only.
NBN' s EV-to-EBIT Range Over the Past 10 Years
Min: -157.8  Med: 23.00 Max: 106.5
Current: 4.74
-157.8
106.5
EV-to-EBITDA 3.98
NBN's EV-to-EBITDA is ranked higher than
91% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.12 vs. NBN: 3.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
NBN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.7  Med: 22.90 Max: 85.4
Current: 3.98
-4.7
85.4
Shiller P/E 9.12
NBN's Shiller P/E is ranked higher than
84% of the 678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.43 vs. NBN: 9.12 )
Ranked among companies with meaningful Shiller P/E only.
NBN' s Shiller P/E Range Over the Past 10 Years
Min: 4.97  Med: 8.25 Max: 17.19
Current: 9.12
4.97
17.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.40
NBN's Dividend Yield is ranked lower than
96% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. NBN: 0.40 )
Ranked among companies with meaningful Dividend Yield only.
NBN' s Dividend Yield Range Over the Past 10 Years
Min: 0.36  Med: 2.35 Max: 5.11
Current: 0.4
0.36
5.11
Dividend Payout 0.05
NBN's Dividend Payout is ranked higher than
98% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 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: 0.25 Max: 4.5
Current: 0.05
0.03
4.5
Dividend Growth (3y) -51.90
NBN's Dividend Growth (3y) is ranked lower than
84% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 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: 2.70 Max: 12.9
Current: -51.9
-51.9
12.9
Forward Dividend Yield 0.40
NBN's Forward Dividend Yield is ranked lower than
97% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. NBN: 0.40 )
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 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 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: 0.08  Med: 0.49 Max: 1.07
Current: 0.08
0.08
1.07
3-Year Average Share Buyback Ratio -32.50
NBN's 3-Year Average Share Buyback Ratio is ranked lower than
94% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. NBN: -32.50 )
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: -64.6  Med: 1.00 Max: 2.7
Current: -32.5
-64.6
2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.85
NBN's Price/Tangible Book is ranked higher than
67% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. NBN: 0.85 )
Ranked among companies with meaningful Price/Tangible Book only.
NBN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.47  Med: 1.04 Max: 2.22
Current: 0.85
0.47
2.22
Price/Projected FCF 1.86
NBN's Price/Projected FCF is ranked lower than
90% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. NBN: 1.86 )
Ranked among companies with meaningful Price/Projected FCF only.
NBN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.71 Max: 1.9
Current: 1.86
0.24
1.9
Price/Median PS Value 1.15
NBN's Price/Median PS Value is ranked lower than
75% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. NBN: 1.15 )
Ranked among companies with meaningful Price/Median PS Value only.
NBN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 1.07 Max: 3.97
Current: 1.15
0.32
3.97
Price/Graham Number 0.71
NBN's Price/Graham Number is ranked higher than
60% of the 2050 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. NBN: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
NBN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.29  Med: 0.84 Max: 1.74
Current: 0.71
0.29
1.74
Earnings Yield (Greenblatt) (%) 21.10
NBN's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. NBN: 21.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NBN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 4.30 Max: 3897.6
Current: 21.1
0.9
3897.6
Forward Rate of Return (Yacktman) (%) -28.14
NBN's Forward Rate of Return (Yacktman) (%) is ranked lower than
95% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. NBN: -28.14 )
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  Med: -2.30 Max: 40.5
Current: -28.14
-40
40.5

More Statistics

Revenue(Mil) $46
EPS $ 0.78
Beta0.19
Short Percentage of Float0.04%
52-Week Range $8.97 - 11.02
Shares Outstanding(Mil)9.58

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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
» 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
Edited Transcript of NBN earnings conference call or presentation 2-Feb-16 3:00pm GMT Feb 02 2016
Northeast Bancorp Earnings Call scheduled for 10:00 am ET today Feb 02 2016
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 02 2016
Northeast Bancorp posts 2Q profit Feb 01 2016
Northeast Bancorp posts 2Q profit Feb 01 2016
Northeast Bancorp Reports Second Quarter Results, Declares Dividend Feb 01 2016
Northeast Bancorp Reports Second Quarter Results, Declares Dividend Feb 01 2016
Q2 2016 Northeast Bancorp Earnings Release - After Market Close Feb 01 2016
Northeast Bancorp Announces Dates for Fiscal 2016 Second Quarter Earnings Results and Conference... Jan 27 2016
Northeast Bancorp Announces Dates for Fiscal 2016 Second Quarter Earnings Results and Conference... Jan 27 2016
Jeanne Hulit Elected to National SBA Lender Association Board Jan 22 2016
Todd Zukowski Joins Northeast Bank’s Commercial Lending Team Jan 08 2016
Pauline Chouinard Joins Northeast Bank as Auburn Branch Manager Jan 07 2016
NORTHEAST BANCORP /ME/ Financials Dec 08 2015
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Change in Directors or Principal Officers, Submission of... Nov 24 2015
NORTHEAST BANCORP /ME/ Files SEC form 10-Q, Quarterly Report Nov 13 2015
Edited Transcript of NBN earnings conference call or presentation 27-Oct-15 2:00pm GMT Oct 27 2015
Northeast Bancorp Earnings Q1, 2016 Oct 27 2015
Northeast Bancorp Earnings Call scheduled for 10:00 am ET today Oct 27 2015
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Results of Operations and Financial Condition, Change in... Oct 27 2015

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