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Upturn AI SWOT - About
NBN 
Northeast Bancorp (NBN)
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Upturn Advisory Summary
10/14/2025: NBN (3-star) is currently NOT-A-BUY. Pass it for now.
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 59.6% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 793.79M USD | Price to earnings Ratio 9.18 | 1Y Target Price 111 |
Price to earnings Ratio 9.18 | 1Y Target Price 111 | ||
Volume (30-day avg) 2 | Beta 0.6 | 52 Weeks Range 78.15 - 113.00 | Updated Date 10/13/2025 |
52 Weeks Range 78.15 - 113.00 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 0.04% | Basic EPS (TTM) 10.08 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.89% | Operating Margin (TTM) 64.58% |
Management Effectiveness
Return on Assets (TTM) 2.25% | Return on Equity (TTM) 19.16% |
Valuation
Trailing PE 9.18 | Forward PE - | Enterprise Value 719558208 | Price to Sales(TTM) 3.89 |
Enterprise Value 719558208 | Price to Sales(TTM) 3.89 | ||
Enterprise Value to Revenue 5.6 | Enterprise Value to EBITDA - | Shares Outstanding 8575048 | Shares Floating 7413987 |
Shares Outstanding 8575048 | Shares Floating 7413987 | ||
Percent Insiders 13.4 | Percent Institutions 62.24 |
Upturn AI SWOT
Northeast Bancorp
Company Overview
History and Background
Northeast Bancorp was founded in 1872 as Norway Savings Bank. It has grown through acquisitions and organic expansion, evolving into a financial holding company.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial services.
- Commercial Real Estate Lending: Offers financing for commercial real estate projects, including construction loans and permanent financing.
- Small Business Lending: Provides loans and other financial services to small businesses.
Leadership and Structure
Richard W. Peterson serves as the Chairman of the Board. Thomas J. Milligan is the President and CEO. The company operates with a traditional banking organizational structure.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is difficult to obtain precisely at a granular level for specific loan types. Competitors include larger national and regional banks such as Bank of America (BAC) and People's United Bank (PBCT).
- Small Business Loans: Offers various loan products tailored to small businesses. Market share data is difficult to obtain precisely at a granular level. Competitors include larger national and regional banks such as TD Bank (TD) and Santander Bank.
- Residential Mortgages: Offers mortgage products to consumers for buying a home. Market share data is difficult to obtain precisely at a granular level. Competitors include larger national and regional banks such as US Bancorp (USB) and KeyCorp (KEY).
Market Dynamics
Industry Overview
The banking industry is currently facing a complex environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Northeast Bancorp positions itself as a community-focused bank with a strong emphasis on relationship banking and personalized service. Their competitive advantage lies in local market knowledge and responsiveness.
Total Addressable Market (TAM)
TAM for community banking in the Northeast US is estimated to be in the billions. Northeast Bancorp holds a small but significant position, focusing on specific niches and geographic areas.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Strong customer relationships
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Potential impact from interest rate fluctuations
- Reliance on traditional banking model
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for small business lending
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- MTB (MTB)
- Fulton Financial Corp (FULT)
- People's United Financial (PBCT)
Competitive Landscape
Northeast Bancorp competes with larger regional banks and smaller community banks. It differentiates itself through its focus on customer service and local market expertise.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates project continued growth in loan portfolio and net income.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Northeast Bancorp is a community-focused bank with a strong local presence. Its strengths lie in its experienced management and solid asset quality. Challenges include limited geographic diversification and competition from larger banks. Future growth will depend on strategic initiatives and adaptation to changing market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions can change rapidly.
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 211 | Website https://www.northeastbank.com |
Full time employees 211 | Website https://www.northeastbank.com | ||
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 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. 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, electronic transfer, and check services. Northeast Bank was founded in 1872 and is headquartered in Portland, Maine.
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