NBN (Northeast Bank) FCF Margin %: -16.42% (As of Mar. 2026)


NBN Northeast Bank NBN
69 GF Score
Price $128.48
GF Value $102.94
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Northeast Bank FCF Margin %?

Northeast Bank NBN +0.59% 69 FCF Margin % is -16.42% as of Mar. 2026. GuruFocus rates NBN with a GF Score™ of 69/100 and a GF Value™ of $102.94 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Northeast Bank ranks worse than 72.96% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Northeast Bank's Free Cash Flow for the three months ended in Mar. 2026 was $-10.4 Mil. Northeast Bank's Revenue for the three months ended in Mar. 2026 was $63.4 Mil. Therefore, Northeast Bank's FCF Margin % for the quarter that ended in Mar. 2026 was -16.42%.

As of today, Northeast Bank's current FCF Yield % is 0.27%.

The historical rank and industry rank for Northeast Bank's FCF Margin % or its related term are showing as below:

NBN' s FCF Margin % Range Over the Past 10 Years
Min: 0.07   Med: 26.96   Max: 59.68
Current: 1.34


During the past 13 years, the highest FCF Margin % of Northeast Bank was 59.68%. The lowest was 0.07%. And the median was 26.96%.

NBN's FCF Margin % is ranked worse than
72.96% of 1505 companies
in the Banks industry
Industry Median: 26.42 vs NBN: 1.34


Northeast Bank FCF Margin % Related Terms


Northeast Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Northeast Bank's FCF Margin % 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 FCF Margin % Chart

Northeast Bank Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.21 28.13 47.47 0.07 26.15

Northeast Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 -14.53 82.05 42.42 -115.36 -16.42

NBN vs FBAK, OCFC, CCB: FCF Margin % Comparison

For the Banks - Regional subindustry, Northeast Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Northeast Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Northeast Bank's FCF Margin % falls into.


NBN
69GF Score
Northeast Bank NBN
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Northeast Bank FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Northeast Bank's FCF Margin for the fiscal year that ended in Jun. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Jun. 2025 )/Revenue (A: Jun. 2025 )
=53.42/204.272
=26.15 %

Northeast Bank's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-10.415/63.434
=-16.42 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -16.42% mean?
Northeast Bank (NBN) has a FCF Margin % of -16.42% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Northeast Bank and its competitors. Over the past decade, Northeast Bank's FCF Margin % has ranged from 0.07 to 59.68. According to the industry distribution chart, Northeast Bank ranks #1098 out of 1505 companies in the Banks industry, placing it in the top 73%.
Is Northeast Bank's FCF Margin % too high?
Northeast Bank's current FCF Margin % is -16.42%. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 59.68. Based on the distribution chart, Northeast Bank ranks #1098 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Northeast Bank has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northeast Bank's FCF Margin % compare to FBAK and OCFC?
According to the Banks industry distribution chart, Northeast Bank ranks #1098 out of 1505 companies for FCF Margin %. This places Northeast Bank in the lower half of its industry. The industry median FCF Margin % is 26.42. Historically, Northeast Bank's own FCF Margin % has ranged from 0.07 to 59.68 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Northeast Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northeast Bank's current FCF Margin % is -16.42%. 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 $102.94, compared to a current price of $128.48 — trading 24.8% above its estimated fair value. The current FCF Margin % is -16.42%. Northeast Bank's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Northeast Bank (NBN), the current FCF Margin % is -16.42% 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 $128.48 is trading 24.8% above its estimated GF Value™ of $102.94. GuruFocus considers Northeast Bank to be Modestly Overvalued.

Key valuation signals for NBN:

  • FCF Margin %: -16.42%
  • GF Value™: $102.94 vs. price of $128.48 (24.8% above fair value)
  • GF Score™: 69/100 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.
69GF Score

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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$128.48
Price
$102.94
GF Value