Northeast BankNBN +1.06%68 Return-on-Tangible-Equity is 21.66% as of Mar. 2026, which is 40% above its 10-year median of 15.42. GuruFocus rates NBN with a GF Score™ of 68/100 and a GF Value™ of $103.73 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Northeast Bank ranks better than 87.79% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Northeast Bank's annualized net income for the quarter that ended in Mar. 2026 was $119.4 Mil. Northeast Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $551.2 Mil. Therefore, Northeast Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 21.66%.
The historical rank and industry rank for Northeast Bank's Return-on-Tangible-Equity or its related term are showing as below:
NBN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.81 Med: 15.42 Max: 36.39
Current: 19.09
During the past 13 years, Northeast Bank's highest Return-on-Tangible-Equity was 36.39%. The lowest was 6.81%. And the median was 15.42%.
NBN's Return-on-Tangible-Equity is ranked better than 87.79% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs NBN: 19.09
Northeast Bank (NAS:NBN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Northeast Bank Return-on-Tangible-Equity Related Terms
Northeast Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Northeast Bank's Return-on-Tangible-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.
NBN vs OCFC, AGBK, HBT: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Northeast Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Northeast Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Northeast Bank's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 21.66% mean?
Northeast Bank (NBN) has a Return-on-Tangible-Equity of 21.66% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Northeast Bank and its competitors. This is 40% above median its historical median of 15.42. Over the past decade, Northeast Bank's Return-on-Tangible-Equity has ranged from 6.81 to 36.39. According to the industry distribution chart, Northeast Bank ranks #186 out of 1523 companies in the Banks industry, placing it in the top 12.2%.
Is Northeast Bank's Return-on-Tangible-Equity too high?
Northeast Bank's current Return-on-Tangible-Equity of 21.66% is 40% above median its 10-year median of 15.42. Over the past 10 years, this metric has ranged from a low of 6.81 to a high of 36.39. The Banks industry median Return-on-Tangible-Equity is 11.19. Northeast Bank's value of 21.66% is 93.6% above this industry median. Based on the distribution chart, Northeast Bank ranks #186 out of 1523 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 Return-on-Tangible-Equity compare to OCFC and AGBK?
According to the Banks industry distribution chart, Northeast Bank ranks #186 out of 1523 companies for Return-on-Tangible-Equity. This places Northeast Bank in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Northeast Bank's value of 21.66% is 93.6% above this benchmark. Historically, Northeast Bank's own Return-on-Tangible-Equity has ranged from 6.81 to 36.39 over the past decade. While the company's 10-year median is 15.42 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northeast Bank's current Return-on-Tangible-Equity of 21.66% is 93.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Northeast Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northeast Bank's current Return-on-Tangible-Equity is 21.66%, which is 40% above median its own 10-year median of 15.42. 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 Significantly Overvalued. The stock's GF Value™ is $103.73, compared to a current price of $135.91 — trading 31% above its estimated fair value. The current Return-on-Tangible-Equity is 21.66%, which is 40% above median its 10-year median of 15.42 and 93.6% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Northeast Bank (NBN), the current Return-on-Tangible-Equity is 21.66% 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 $135.91 is trading 31% above its estimated GF Value™ of $103.73.
GuruFocus considers Northeast Bank to be Significantly Overvalued.
Key valuation signals for NBN:
Return-on-Tangible-Equity: 21.66% (40% above median its 10-year median of 15.42)
GF Value™: $103.73 vs. price of $135.91 (31% above fair value)
Industry Position: 93.6% above the Banks median (#186 of 1523)
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
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