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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 0.06
NBN's Cash to Debt is ranked lower than
96% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. NBN: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
NBN' s 10-Year Cash to Debt Range
Min: 0.04   Max: N/A
Current: 0.06

Equity to Asset 0.14
NBN's Equity to Asset is ranked higher than
80% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NBN: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
NBN' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.14

0.07
0.18
Interest Coverage 0.64
NBN's Interest Coverage is ranked lower than
76% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. NBN: 0.64 )
Ranked among companies with meaningful Interest Coverage only.
NBN' s 10-Year Interest Coverage Range
Min: 0.06   Max: 0.94
Current: 0.64

0.06
0.94
F-Score: 6
Z-Score: 0.22
WACC vs ROIC
8.10%
7.02%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 20.92
NBN's Operating margin (%) is ranked lower than
70% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. NBN: 20.92 )
Ranked among companies with meaningful Operating margin (%) only.
NBN' s 10-Year Operating margin (%) Range
Min: 3.62   Max: 31.36
Current: 20.92

3.62
31.36
Net-margin (%) 13.13
NBN's Net-margin (%) is ranked lower than
76% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. NBN: 13.13 )
Ranked among companies with meaningful Net-margin (%) only.
NBN' s 10-Year Net-margin (%) Range
Min: 3.48   Max: 20.4
Current: 13.13

3.48
20.4
ROE (%) 4.90
NBN's ROE (%) is ranked lower than
73% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. NBN: 4.90 )
Ranked among companies with meaningful ROE (%) only.
NBN' s 10-Year ROE (%) Range
Min: 2.19   Max: 11.9
Current: 4.9

2.19
11.9
ROA (%) 0.70
NBN's ROA (%) is ranked lower than
58% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. NBN: 0.70 )
Ranked among companies with meaningful ROA (%) only.
NBN' s 10-Year ROA (%) Range
Min: 0.16   Max: 0.88
Current: 0.7

0.16
0.88
ROC (Joel Greenblatt) (%) 100.44
NBN's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. NBN: 100.44 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NBN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.38   Max: 142.7
Current: 100.44

3.38
142.7
» NBN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

NBN Guru Trades in Q2 2014

Michael Price 336,861 sh (unchged)
» More
Q3 2014

NBN Guru Trades in Q3 2014

Michael Price 336,861 sh (unchged)
» More
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
» Details

Insider Trades

Latest Guru Trades with NBN

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Top Ranked Articles about Northeast Bancorp

Top Insider Buys Highlight: Northeast Bancorp
President & CEO of Northeast Bancorp (NBN) Richard Wayne bought 12,618 shares on 08/18/2014 at an average price of $9.55. Total transaction amount is $120,502 Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 17.90
NBN's P/E(ttm) is ranked lower than
71% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. NBN: 17.90 )
Ranked among companies with meaningful P/E(ttm) only.
NBN' s 10-Year P/E(ttm) Range
Min: 2.47   Max: 55.6
Current: 17.9

2.47
55.6
Forward P/E 16.29
NBN's Forward P/E is ranked lower than
84% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. NBN: 16.29 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.40
NBN's PE(NRI) is ranked lower than
73% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. NBN: 18.40 )
Ranked among companies with meaningful PE(NRI) only.
NBN' s 10-Year PE(NRI) Range
Min: 1.78   Max: 1307
Current: 18.4

1.78
1307
P/B 0.90
NBN's P/B is ranked higher than
69% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NBN: 0.90 )
Ranked among companies with meaningful P/B only.
NBN' s 10-Year P/B Range
Min: 0.33   Max: 1.52
Current: 0.9

0.33
1.52
P/S 2.30
NBN's P/S is ranked higher than
64% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. NBN: 2.30 )
Ranked among companies with meaningful P/S only.
NBN' s 10-Year P/S Range
Min: 0.58   Max: 2.82
Current: 2.3

0.58
2.82
PFCF 30.00
NBN's PFCF is ranked lower than
86% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. NBN: 30.00 )
Ranked among companies with meaningful PFCF only.
NBN' s 10-Year PFCF Range
Min: 3.15   Max: 196.67
Current: 30

3.15
196.67
POCF 24.73
NBN's POCF is ranked lower than
88% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. NBN: 24.73 )
Ranked among companies with meaningful POCF only.
NBN' s 10-Year POCF Range
Min: 2.44   Max: 630.33
Current: 24.73

2.44
630.33
EV-to-EBIT 4.26
NBN's EV-to-EBIT is ranked higher than
93% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. NBN: 4.26 )
Ranked among companies with meaningful EV-to-EBIT only.
NBN' s 10-Year EV-to-EBIT Range
Min: -157.8   Max: 106.5
Current: 4.26

-157.8
106.5
Shiller P/E 8.90
NBN's Shiller P/E is ranked higher than
85% of the 1028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. NBN: 8.90 )
Ranked among companies with meaningful Shiller P/E only.
NBN' s 10-Year Shiller P/E Range
Min: 5.41   Max: 16.7
Current: 8.9

5.41
16.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.40
NBN's Dividend Yield is ranked lower than
101% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. NBN: 0.40 )
Ranked among companies with meaningful Dividend Yield only.
NBN' s 10-Year Dividend Yield Range
Min: 0.39   Max: 5.11
Current: 0.4

0.39
5.11
Dividend Payout 0.07
NBN's Dividend Payout is ranked higher than
97% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. NBN: 0.07 )
Ranked among companies with meaningful Dividend Payout only.
NBN' s 10-Year Dividend Payout Range
Min: 0.03   Max: 4.5
Current: 0.07

0.03
4.5
Yield on cost (5-Year) 0.40
NBN's Yield on cost (5-Year) is ranked lower than
100% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. NBN: 0.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NBN' s 10-Year Yield on cost (5-Year) Range
Min: 0.39   Max: 5.11
Current: 0.4

0.39
5.11

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
NBN's Price/Tangible Book is ranked higher than
75% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. NBN: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
NBN' s 10-Year Price/Tangible Book Range
Min: 0.47   Max: 2.38
Current: 0.9

0.47
2.38
Price/DCF (Projected) 1.60
NBN's Price/DCF (Projected) is ranked lower than
85% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. NBN: 1.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
NBN' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 3.76
Current: 1.6

0.24
3.76
Price/Median PS Value 1.30
NBN's Price/Median PS Value is ranked lower than
68% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NBN: 1.30 )
Ranked among companies with meaningful Price/Median PS Value only.
NBN' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 3.97
Current: 1.3

0.32
3.97
Price/Graham Number 0.80
NBN's Price/Graham Number is ranked higher than
64% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NBN: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
NBN' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 1.56
Current: 0.8

0.34
1.56
Earnings Yield (Greenblatt) 23.90
NBN's Earnings Yield (Greenblatt) is ranked higher than
93% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NBN: 23.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
NBN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 3897.6
Current: 23.9

0.9
3897.6
Forward Rate of Return (Yacktman) -41.18
NBN's Forward Rate of Return (Yacktman) is ranked lower than
96% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. NBN: -41.18 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
NBN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -42.2   Max: 47.6
Current: -41.18

-42.2
47.6

Analyst Estimate

Jun15
EPS($) 0.59
EPS without NRI($) 0.59

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 
comment on NBN May 22 2013 
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 

More From Other Websites
NORTHEAST BANCORP /ME/ Financials May 19 2015
10-Q for Northeast Bancorp May 14 2015
NORTHEAST BANCORP /ME/ Files SEC form 10-Q, Quarterly Report May 12 2015
Northeast Bancorp Earnings Call scheduled for 10:00 am ET today May 01 2015
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... May 01 2015
Northeast Bancorp Reports Third Quarter Results, Announces Increase in Stock Repurchase Program and... Apr 30 2015
Northeast Bancorp Reports Third Quarter Results, Announces Increase in Stock Repurchase Program and... Apr 30 2015
Q3 2015 Northeast Bancorp Earnings Release - After Market Close Apr 30 2015
Northeast Bancorp Announces Dates for Fiscal 2015 Third Quarter Earnings Results and Conference Call Apr 27 2015
Northeast Bancorp Announces Dates for Fiscal 2015 Third Quarter Earnings Results and Conference Call Apr 27 2015
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 03 2015
Northeast Bancorp Announces Appointment of Chief Risk Officer Mar 03 2015
Northeast Bancorp Announces Appointment of Chief Risk Officer Mar 03 2015
Northeast Bancorp Reports Second Quarter Results, Declares Dividend Feb 19 2015
Lisa McAuliffe Joins Northeast Bank as Vice President, Cash Management Services Feb 19 2015
Northeast Bancorp Announces Dates for Fiscal 2015 Second Quarter Earnings Results and Conference... Feb 19 2015
NORTHEAST BANCORP /ME/ Files SEC form 10-Q, Quarterly Report Feb 13 2015
Northeast Bancorp Second Quarter Earnings Call scheduled for 9:00 am ET today Jan 30 2015
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 30 2015
NORTHEAST BANCORP /ME/ Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 14 2015

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