Northeast BankNBN +0.59%69 Net Margin % is 47.06% as of Mar. 2026, which is 42% above its 10-year median of 33.13. 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 1,527 Banks companies, Northeast Bank ranks better than 89.72% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Northeast Bank's Net Income for the
three
months ended in Mar. 2026 was $29.9 Mil. Northeast Bank's Revenue for the
three
months ended in Mar. 2026 was $63.4 Mil. Therefore, Northeast Bank's net margin for the quarter that ended in Mar. 2026 was 47.06%.
The historical rank and industry rank for Northeast Bank's Net Margin % or its related term are showing as below:
NBN'
s Net Margin % Range Over the Past 10 Years
Min: 16.64 Med: 33.13 Max: 52.63
Current: 44.33
NBN's Net Margin % is ranked better than 89.72% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs NBN: 44.33
Northeast Bank (NAS:NBN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Northeast Bank Net Margin % Related Terms
Northeast Bank Net Margin % Historical Data
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The historical data trend for Northeast Bank's Net 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.
For the Banks - Regional subindustry, Northeast Bank's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northeast Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Northeast Bank's Net Margin % 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 Net Margin % of 47.06% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Northeast Bank and its competitors. This is 42% above median its historical median of 33.13. Over the past decade, Northeast Bank's Net Margin % has ranged from 16.64 to 52.63. According to the industry distribution chart, Northeast Bank ranks #157 out of 1527 companies in the Banks industry, placing it in the top 10.3%.
Is Northeast Bank's Net Margin % too high?
Northeast Bank's current Net Margin % of 47.06% is 42% above median its 10-year median of 33.13. Over the past 10 years, this metric has ranged from a low of 16.64 to a high of 52.63. The Banks industry median Net Margin % is 26.95. Northeast Bank's value of 47.06% is 74.6% above this industry median. Based on the distribution chart, Northeast Bank ranks #157 out of 1527 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 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northeast Bank's Net Margin % compare to FBAK and OCFC?
According to the Banks industry distribution chart, Northeast Bank ranks #157 out of 1527 companies for Net Margin %. This places Northeast Bank in the top 10% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Northeast Bank's value of 47.06% is 74.6% above this benchmark. Historically, Northeast Bank's own Net Margin % has ranged from 16.64 to 52.63 over the past decade. While the company's 10-year median is 33.13 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northeast Bank's current Net Margin % of 47.06% is 74.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Northeast Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northeast Bank's current Net Margin % is 47.06%, which is 42% above median its own 10-year median of 33.13. 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 Net Margin % is 47.06%, which is 42% above median its 10-year median of 33.13 and 74.6% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Northeast Bank (NBN), the current Net Margin % is 47.06% 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:
Net Margin %: 47.06% (42% above median its 10-year median of 33.13)
GF Value™: $102.94 vs. price of $128.48 (24.8% above fair value)
Industry Position: 74.6% above the Banks median (#157 of 1527)
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.
69GF Score
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