Northeast Bancorp (NBN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Northeast Bancorp stock (NBN) is currently trading at $110.20. Northeast Bancorp PE ratio is 10.25. Northeast Bancorp PS ratio (Price-to-Sales) is 4.27. Analyst consensus price target for NBN is $126.50. WallStSmart rates NBN as Underperform.
- NBN PE ratio analysis and historical PE chart
- NBN PS ratio (Price-to-Sales) history and trend
- NBN intrinsic value — DCF, Graham Number, EPV models
- NBN stock price prediction 2025 2026 2027 2028 2029 2030
- NBN fair value vs current price
- NBN insider transactions and insider buying
- Is NBN undervalued or overvalued?
- Northeast Bancorp financial analysis — revenue, earnings, cash flow
- NBN Piotroski F-Score and Altman Z-Score
- NBN analyst price target and Smart Rating
Northeast Bancorp
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NBN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Northeast Bancorp (NBN)
NBN trades 72% above its Graham fair value of $70.52, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Northeast Bancorp (NBN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around peg ratio and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Northeast Bancorp (NBN) Key Strengths (5)
Keeps $60 of every $100 in revenue after operating costs
Keeps $41 of every $100 in revenue as net profit
Trading at 1.70x book value, attractively priced
69.58% held by institutions, strong professional interest
Solid profitability: $18 profit per $100 equity
Supporting Valuation Data
Northeast Bancorp (NBN) Areas to Watch (5)
Revenue declining -3.10%, a shrinking business
Earnings declining -9.90%, profits shrinking
Very expensive relative to growth, significant premium
Premium valuation at 4.3x annual revenue
Small-cap company with higher risk but more growth potential
Northeast Bancorp (NBN) Detailed Analysis Report
Overall Assessment
This company scores 54/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.6/10) while 5 fall into concern territory (avg 2.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.70) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.80%, Operating Margin at 60.10%, Profit Margin at 40.90%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, PEG Ratio. Some valuation metrics including PEG Ratio (5.27), Price/Sales (4.27) suggest expensive pricing. Growth concerns include Revenue Growth at -3.10%, EPS Growth at -9.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at -3.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NBN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NBN's Price-to-Sales ratio of 4.27x sits near its historical average of 4.36x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 4.46x set in Mar 2026, and 0% above its historical low of 4.27x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Northeast Bancorp (NBN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Northeast Bancorp faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 213M with 3% decline year-over-year. Profit margins are strong at 40.9%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 40.9% and operating margin of 60.1% demonstrate strong pricing power and operational efficiency.
Free cash flow is -57M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Northeast Bancorp.
Bottom Line
Northeast Bancorp faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Northeast Bancorp(NBN)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.