Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Northeast BankNBN -0.93%68 Debt-to-Equity is 1.30 as of Mar. 2026, which is 242% above its 10-year median of 0.38. GuruFocus rates NBN with a GF Score™ of 68/100 and a GF Value™ of $105.73 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,419 Banks companies, Northeast Bank ranks worse than 76.96% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Northeast Bank's Debt-to-Equity or its related term are showing as below:
NBN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.38 Max: 1.97
Current: 1.42
During the past 13 years, the highest Debt-to-Equity Ratio of Northeast Bank was 1.97. The lowest was 0.08. And the median was 0.38.
NBN's Debt-to-Equity is ranked worse than 76.96% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs NBN: 1.42
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Northeast Bank Debt-to-Equity Related Terms
Northeast Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Northeast Bank's Debt-to-Equity 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.
For the Banks - Regional subindustry, Northeast Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Northeast Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Northeast Bank's Debt-to-Equity falls into.
* 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 (NBN) has a Debt-to-Equity of 1.30 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northeast Bank and its competitors. This is 242% above median its historical median of 0.38. Over the past decade, Northeast Bank's Debt-to-Equity has ranged from 0.08 to 1.97. According to the industry distribution chart, Northeast Bank ranks #1092 out of 1419 companies in the Banks industry, placing it in the top 77%.
Is Northeast Bank's Debt-to-Equity too high?
Northeast Bank's current Debt-to-Equity of 1.30 is 242% above median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 1.97. The Banks industry median Debt-to-Equity is 0.59. Northeast Bank's value of 1.30 is 120.3% above this industry median. Based on the distribution chart, Northeast Bank ranks #1092 out of 1419 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Northeast Bank has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northeast Bank's Debt-to-Equity compare to CCB and AMTB?
According to the Banks industry distribution chart, Northeast Bank ranks #1092 out of 1419 companies for Debt-to-Equity. This places Northeast Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.59. Northeast Bank's value of 1.30 is 120.3% above this benchmark. Historically, Northeast Bank's own Debt-to-Equity has ranged from 0.08 to 1.97 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.59, Northeast Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.59, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northeast Bank's current Debt-to-Equity of 1.30 is 120.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northeast Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northeast Bank's current Debt-to-Equity is 1.30, which is 242% above median its own 10-year median of 0.38. 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 $105.73, compared to a current price of $134.92 — trading 27.6% above its estimated fair value. The current Debt-to-Equity is 1.30, which is 242% above median its 10-year median of 0.38 and 120.3% above the Banks industry median of 0.59. Northeast Bank's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Northeast Bank (NBN), the current Debt-to-Equity is 1.30 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 $134.92 is trading 27.6% above its estimated GF Value™ of $105.73.
GuruFocus considers Northeast Bank to be Modestly Overvalued.
Key valuation signals for NBN:
Debt-to-Equity: 1.30 (242% above median its 10-year median of 0.38)
GF Value™: $105.73 vs. price of $134.92 (27.6% above fair value)
Industry Position: 120.3% above the Banks median (#1092 of 1419)
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 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.
68GF Score
Get the complete analysis for NBN
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NBN has been successfully added to your 
