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NBNNortheast BankHold6.7·$124.09
HoldHigh Confidence
Investment thesis

Northeast Bank combines superior ROE, best-in-class margins, and a cheap forward multiple with a solid earnings beat streak, though the stock has already run to its analyst price target, capping near-term upside.

Thesis pillars

  • Cheap Forward Multiple→Stable
  • Strong Growth And Superior Roe↑Improving
  • Strong Margin Profile↑Improving
  • +2 more pillars — see the Why tab for full reasoning

Pillars as of Jul 5, 2026

Full reasoning →

Open full analysis

Northeast Bank (NBN) Stock Analysis

Inst Constrain edge

HoldGrowthQualityHigh Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $124.09, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

Northeast Bank provides various banking services to individual and corporate customers in Maine. The company's deposit products include demand deposit, NOW, money market, savings, certificate of deposit, and checking accounts. Its loan portfolio comprises multi-family and other... Read more

$124.09-0.3% A.UpsideScore 6.7/10#15 of 222 Banks - Regional
QualityF-score7 / 9FCF yield—
IncomeYield0.03%(5y avg 0.06%)Payout0.31%sustainable
Stop $119.18Analyst target $123.67(reached)A.R:R -0.1:1
Analyst consensus$145.50+17.3%2 analysts
$124.09price
$145.50mean
$151

Hold if already holding. Not a fresh buy at $124.09, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.7/10, high confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 84d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jan 25, 202784d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)9.7
P/E (Fwd)7.8
Mkt Cap$1.1B
EV/EBITDA—
Profit Mgn46.1%
ROE20.0%
Rev Growth19.1%
Beta0.61
Dividend0.03%
Rating analysts6

Quality Signals

Piotroski F7/9MoatNarrow

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Conflicts and positions. People who build TrendMatrix, or entities they control, may hold positions, long or short, in securities it covers, and may trade them at any time. Positions are not disclosed individually. Verdicts are generated by an automated model applied by the same rules to every covered stock, and are not adjusted for any position held by the people who build TrendMatrix. We do not accept payment from issuers for coverage.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -0.1=NEGATIVEMomentum 4.8<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.8>=4.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 84d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
45 · Neutral
↓ 20D MA↓ 50D MA↑ 200D MAGOLDEN CROSSSupport $122.87Resistance $134.66

Price Targets

A.Upside-0.3%
A.R:R-0.1:1

Position Sizing

ConvictionNone
Suggested %0%
Max %0%
RegimeRisk-Off

Risk Alerts

! Target reached (-0.3% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2027-01-25 (84d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is NBN stock a buy right now?

Hold if already holding. Not a fresh buy at $124.09, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $123.67 reached (−0.3%), stop $119.18 (−4.1%), A.R:R -0.1:1. Score 6.7/10, high confidence.

What is the NBN stock price target?

Analyst target $123.67 reached (−0.3% from $124.09); no take-profit level is published. Analyst target $123.67 reached (−0.3%), stop $119.18 (−4.1%), A.R:R -0.1:1. Stop-loss: $119.18.

What are the risks of investing in NBN?

Analyst target reached - limited upside remaining.

Is NBN overvalued or undervalued?

Northeast Bank trades at a P/E of 9.7 (forward 7.8). TrendMatrix value score: 9.2/10. Verdict: Hold.

What do analysts say about NBN?

6 analysts cover NBN with a consensus score of 3.8/5. Average price target: $146.

What does Northeast Bank do?Northeast Bank provides various banking services to individual and corporate customers in Maine. The company's deposit...

Northeast Bank provides various banking services to individual and corporate customers in Maine. The company's deposit products include demand deposit, NOW, money market, savings, certificate of deposit, and checking accounts. Its loan portfolio comprises multi-family and other commercial real estate loans; residential and home equity loans; commercial and industrial loans, such as term loans, lines of credit and equipment, and receivables financing; and mobile home and overdraft, and deposit-secured loans. The company also provides telephone banking, online banking and bill payment, mobile banking, and remote deposit capture services, as well as debit and credit card, ATM, wire, electronic transfer, and check services; and engages in the investment activities. Northeast Bank was founded in 1872 and is headquartered in Portland, Maine.

Related stocks: MBIN (Merchants Bancorp) · BWFG (Bankwell Financial Group, Inc.) · GCBC (Greene County Bancorp, Inc.) · BHRB (Burke & Herbert Financial Servi) · CCNE (CNB Financial Corporation)
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