Northeast Bank Common Stock (NBN)

FairStock Score: 47/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $126.12 on 2026-10-13, FairStock shows NBN at 9.9x earnings and 1.79x book, with a 19.57% ROE. That combination catches the eye: a small Maine bank earning high returns on equity and trading at a modest multiple of earnings and book. Revenue growth of 26.11% and profit growth of 59.80%, plus a 56.79% net margin in the latest quarter shown (2026-Q2), suggest recent results are strong. The 0.61 beta and 0.03% dividend yield mean this is not a bond substitute; it is an equity risk. As a bank, I ignore free cash flow, EV/EBITDA and the Graham Number; they don't apply. I care about underwriting, funding, and capital. The data doesn't give me CET1, net interest margin, nonperforming loans, reserves, or efficiency ratio, so I can't verify credit quality or leverage. D/E is N/A. A combined ratio is not in the data and is not a bank measure anyway. The FairStock Piotroski score of 3/9 is weak, and the FairStock Score of 47/100 is middling. The PEG of 0.17 looks cheap only if that growth is durable and not driven by credit risk. Lynch category is none because only 0 years of filed results are available; it needs 3. Business quality? A 222-employee regional bank in Maine can be a decent niche lender, but I see no evidence of a durable moat. High ROE plus price-to-book of 1.79 may be fair if credit stays clean, but without CET1 and NIM it's incomplete. I'd call it statistically attractive, not clearly safe.

In plain English: Northeast Bank is a small Maine bank serving individuals and businesses. Its recent profits look strong, and the stock price seems reasonable compared with those profits. However, important details about its loans and financial cushion are missing, so it is hard to judge how safe the bank really is.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer