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Upturn AI SWOT - About
NBN 
Northeast Bancorp (NBN)
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Upturn Advisory Summary
08/14/2025: NBN (3-star) is a STRONG-BUY. BUY since 32 days. Profits (11.90%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $111
1 Year Target Price $111
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 64.94% | Avg. Invested days 40 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 881.95M USD | Price to earnings Ratio 11.52 | 1Y Target Price 111 |
Price to earnings Ratio 11.52 | 1Y Target Price 111 | ||
Volume (30-day avg) 2 | Beta 0.59 | 52 Weeks Range 65.10 - 110.32 | Updated Date 08/15/2025 |
52 Weeks Range 65.10 - 110.32 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.04% | Basic EPS (TTM) 8.98 |
Earnings Date
Report Date 2025-07-28 | When After Market | Estimate 2.57 | Actual 3 |
Profitability
Profit Margin 40.89% | Operating Margin (TTM) 64.74% |
Management Effectiveness
Return on Assets (TTM) 2.25% | Return on Equity (TTM) 19.16% |
Valuation
Trailing PE 11.52 | Forward PE - | Enterprise Value 807564672 | Price to Sales(TTM) 4.32 |
Enterprise Value 807564672 | Price to Sales(TTM) 4.32 | ||
Enterprise Value to Revenue 6.97 | Enterprise Value to EBITDA - | Shares Outstanding 8525360 | Shares Floating 7382452 |
Shares Outstanding 8525360 | Shares Floating 7382452 | ||
Percent Insiders 0.23 | Percent Institutions 62.49 |
Upturn AI SWOT
Northeast Bancorp
Company Overview
History and Background
Northeast Bancorp was founded in 1872 and headquartered in Lewiston, Maine. It operates as a community bank providing financial services to individuals and businesses, primarily in Maine.
Core Business Areas
- Commercial Lending: Provides commercial loans and lines of credit to small and medium-sized businesses.
- Consumer Lending: Offers residential mortgages, home equity loans, and other consumer loans.
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses.
Leadership and Structure
The company is led by a board of directors and executive management team, with key personnel responsible for overseeing various business segments and corporate functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data not publicly available. Competitors include larger regional and national banks such as Bank of America (BAC) and KeyCorp (KEY).
- Residential Mortgages: Mortgage loans for primary and secondary residences. Market share data not publicly available. Competitors include mortgage lenders such as Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. Interest rates, economic conditions, and technological advancements significantly influence the banking sector.
Positioning
Northeast Bancorp operates as a community bank focusing on serving local markets in Maine. Its competitive advantage lies in its personalized service and strong local relationships.
Total Addressable Market (TAM)
TAM for community banking in Maine is estimated in the billions. Northeast Bancorp's positioning is focused on capturing a significant share within specific local markets.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Stable deposit base
- High credit quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger regional and national banks
- Dependence on the Maine economy
- Lower technological advancement compared to larger players
Opportunities
- Expanding into new markets within New England
- Offering new products and services
- Leveraging technology to improve efficiency and customer experience
- Acquiring smaller community banks
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn in Maine
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bangor Savings Bank (Privately Held)
- Camden National Corporation (CAC)
- TD Bank (TD)
Competitive Landscape
Northeast Bancorp faces competition from larger regional and national banks, as well as local credit unions. Its competitive advantage lies in its local focus and personalized service, but it is challenged by the greater resources and broader product offerings of larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires specific past financial performance data. This cannot be populated presently.
Future Projections: Future projections require analyst estimates. This cannot be populated presently.
Recent Initiatives: Recent initiatives require up-to-date corporate information. This cannot be populated presently.
Summary
Northeast Bancorp is a community bank with a strong local presence in Maine, however is limited by its geographical reach and size. The company benefits from its personalized service and stable deposit base. Competition from larger banks and economic conditions pose ongoing challenges. Strategic initiatives to expand geographically or digitally could bolster future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where publicly available)
- Market Research Reports
- AI Analysis of available information
Disclaimers:
The data provided is based on publicly available information and AI analysis. Market share figures are estimates and may not be precise. This analysis is for informational purposes only and should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Northeast Bancorp
Exchange NASDAQ | Headquaters Portland, ME, United States | ||
IPO Launch date 1987-08-20 | President, CEO & Director Mr. Richard N. Wayne | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.northeastbank.com |
Full time employees - | Website https://www.northeastbank.com | ||
Northeast Bank provides various banking services to individual and corporate customers in Maine. Its deposit products include demand deposit, NOW, money market, savings, certificate of deposit, and checking accounts. The company's loan portfolio comprises residential mortgage loans; multi-family and other commercial real estate loans; commercial and industrial loans, such as term loans, lines of credit and equipment, and receivables financing; and consumer loans, including mobile home and overdraft, and deposit-secured loans. It also provides telephone banking, online banking and bill payment, mobile banking, and remote deposit capture services, as well as debit and credit card, ATM, electronic transfer, and check services. Northeast Bank was founded in 1872 and is headquartered in Portland, Maine.
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