NBN (Northeast Bank) Cyclically Adjusted FCF per Share: $2.34 (As of Mar. 2026)


NBN Northeast Bank NBN
66 GF Score
Price $131.97
GF Value $103.93
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Northeast Bank Cyclically Adjusted FCF per Share?

Northeast Bank NBN +1.01% 66 Cyclically Adjusted FCF per Share is $2.34 as of Mar. 2026. GuruFocus rates NBN with a GF Score™ of 66/100 and a GF Value™ of $103.93 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Northeast Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was $-1.233. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.34 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Northeast Bank's average Cyclically Adjusted FCF Growth Rate was -17.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 22.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 26.80% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 31.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Northeast Bank was 45.80% per year. The lowest was -34.80% per year. And the median was 5.40% per year.

As of today (2026-07-12), Northeast Bank's current stock price is $131.97. Northeast Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $2.34. Northeast Bank's Cyclically Adjusted Price-to-FCF of today is 56.40.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Northeast Bank was 87.50. The lowest was 11.85. And the median was 30.63.


Northeast Bank  (NAS:NBN) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Northeast Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=131.97/2.34
=56.40

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Northeast Bank was 87.50. The lowest was 11.85. And the median was 30.63.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Northeast Bank Cyclically Adjusted FCF per Share Related Terms


Northeast Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Northeast Bank's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Northeast Bank Cyclically Adjusted FCF per Share Chart

Northeast Bank Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.01 1.76 2.62 2.79 3.22

Northeast Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.82 3.22 3.43 2.65 2.34

NBN vs OCFC, AGBK, HBT: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Northeast Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Northeast Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Northeast Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Northeast Bank's Cyclically Adjusted Price-to-FCF falls into.


NBN
66GF Score
Northeast Bank NBN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Northeast Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Northeast Bank's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-1.233/330.2130*330.2130
=-1.233

Current CPI (Mar. 2026) = 330.2130.

Northeast Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -2.546 241.018 -3.488
201609 -0.072 241.428 -0.098
201612 0.456 241.432 0.624
201703 0.479 243.801 0.649
201706 2.876 244.955 3.877
201709 -0.583 246.819 -0.780
201712 0.601 246.524 0.805
201803 0.722 249.554 0.955
201806 1.279 251.989 1.676
201809 -0.444 252.439 -0.581
201812 1.050 251.233 1.380
201903 0.849 254.202 1.103
201906 0.562 256.143 0.725
201909 0.201 256.759 0.259
201912 1.255 256.974 1.613
202003 0.116 258.115 0.148
202006 0.079 257.797 0.101
202009 -0.087 260.280 -0.110
202012 -0.024 260.474 -0.030
202103 -16.733 264.877 -20.860
202106 17.731 271.696 21.550
202109 0.651 274.310 0.784
202112 2.689 278.802 3.185
202203 -0.519 287.504 -0.596
202206 0.856 296.311 0.954
202209 0.362 296.808 0.403
202212 1.556 296.797 1.731
202303 4.085 301.836 4.469
202306 1.766 305.109 1.911
202309 -0.756 307.789 -0.811
202312 0.268 306.746 0.289
202403 0.674 312.332 0.713
202406 -0.169 314.175 -0.178
202409 0.318 315.301 0.333
202412 1.112 315.605 1.163
202503 -0.871 319.799 -0.899
202506 5.829 322.561 5.967
202509 2.492 324.800 2.534
202512 -6.740 324.054 -6.868
202603 -1.233 330.213 -1.233

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.34 mean?
Northeast Bank (NBN) has a Cyclically Adjusted FCF per Share of $2.34 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Northeast Bank and its competitors.
Is Northeast Bank's Cyclically Adjusted FCF per Share too high?
Northeast Bank's current Cyclically Adjusted FCF per Share is $2.34. Overall, Northeast Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northeast Bank's Cyclically Adjusted FCF per Share compare to OCFC and AGBK?
Northeast Bank's Cyclically Adjusted FCF per Share of $2.34 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Northeast Bank and its competitors. Northeast Bank's current Cyclically Adjusted FCF per Share is $2.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northeast Bank stock overvalued right now?
Based on GuruFocus' analysis, Northeast Bank (NBN) is currently considered Modestly Overvalued. The stock's GF Value™ is $103.93, compared to a current price of $131.97 — trading 27% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.34. Northeast Bank's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Northeast Bank (NBN), the current Cyclically Adjusted FCF per Share is $2.34 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Northeast Bank (NBN) Overvalued in 2026?

Based on GuruFocus' analysis, Northeast Bank stock appears to be overvalued. The current stock price of $131.97 is trading 27% above its estimated GF Value™ of $103.93. GuruFocus considers Northeast Bank to be Modestly Overvalued.

Key valuation signals for NBN:

  • Cyclically Adjusted FCF per Share: $2.34
  • GF Value™: $103.93 vs. price of $131.97 (27% above fair value)
  • GF Score™: 66/100 with 7 warning signs

No single metric tells the full story. See the NBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Northeast Bank Business Description

Other Exchanges 73K:Germany
Address 27 Pearl Street, Portland, ME, USA, 04101
Northeast Bank provides banking and financial services to individual and corporate customers in the United States. The firm conducts its loan-related activities through two primary channels: the Community Banking Division, and the Small Business Administration (SBA) National Division. Its loan portfolio comprises residential mortgage loans; multi-family and other commercial real estate loans; commercial and industrial loans, consumer loans, and small business administration loans. The firm also provides telephone banking, online banking, mobile banking, and remote deposit capture services. The revenue of the company is derived principally from interest and dividends from the bank.
66GF Score

Get the complete analysis for NBN

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$131.97
Price
$103.93
GF Value