NBN (Northeast Bank) Moat Score: 5/10 (As of Jul. 02, 2026)


NBN Northeast Bank NBN
68 GF Score
Price $137.51
GF Value $103.43
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Northeast Bank Moat Score?

Northeast Bank NBN +3.58% 68 Moat Score is 5 as of Jul. 02, 2026. GuruFocus rates NBN with a GF Score™ of 68/100 and a GF Value™ of $103.43 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,611 Banks companies, Northeast Bank ranks better than 94.04% on this metric.

Northeast Bank has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Northeast Bank has Narrow Moat: Northeast Bank has a solid narrow moat with a strong regional presence and customer loyalty. It benefits from economies of scale and regulatory barriers typical in the banking sector. However, its market share and pricing power are not robust enough to classify it as a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Northeast Bank might have Narrow Moat - Solid narrow moat.

Northeast Bank  (NAS:NBN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Northeast Bank Moat Score Related Terms

NBN vs OCFC, AGBK, HBT: Moat Score Comparison

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

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

* The bar in red indicates where Northeast Bank's Moat Score falls into.


NBN
68GF Score
Northeast Bank NBN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Northeast Bank (NBN) has a Moat Score of 5 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Northeast Bank ranks #96 out of 1611 companies in the Banks industry, placing it in the top 6%.
Is Northeast Bank's Moat Score too high?
Northeast Bank's current Moat Score is 5. Based on the distribution chart, Northeast Bank ranks #96 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Northeast Bank has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northeast Bank's Moat Score compare to OCFC and AGBK?
According to the Banks industry distribution chart, Northeast Bank ranks #96 out of 1611 companies for Moat Score. This places Northeast Bank in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Northeast Bank's current Moat Score is 5. 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 Significantly Overvalued. The stock's GF Value™ is $103.43, compared to a current price of $137.51 — trading 32.9% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Northeast Bank (NBN), the current Moat Score is 5 as of Jul. 02, 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 $137.51 is trading 32.9% above its estimated GF Value™ of $103.43. GuruFocus considers Northeast Bank to be Significantly Overvalued.

Key valuation signals for NBN:

  • Moat Score: 5
  • GF Value™: $103.43 vs. price of $137.51 (32.9% above fair value)
  • GF Score™: 68/100 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.
68GF Score

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

$137.51
Price
$103.43
GF Value