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Upturn AI SWOT - About
NBN 
Northeast Bancorp (NBN)
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Upturn Advisory Summary
07/01/2025: NBN (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $100
1 Year Target Price $100
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 47.4% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 758.67M USD | Price to earnings Ratio 9.91 | 1Y Target Price 100 |
Price to earnings Ratio 9.91 | 1Y Target Price 100 | ||
Volume (30-day avg) 2 | Beta 0.59 | 52 Weeks Range 58.13 - 110.32 | Updated Date 07/1/2025 |
52 Weeks Range 58.13 - 110.32 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 0.05% | Basic EPS (TTM) 8.98 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 39.8% | Operating Margin (TTM) 60.38% |
Management Effectiveness
Return on Assets (TTM) 2.03% | Return on Equity (TTM) 17.91% |
Valuation
Trailing PE 9.91 | Forward PE - | Enterprise Value 812603968 | Price to Sales(TTM) 4.12 |
Enterprise Value 812603968 | Price to Sales(TTM) 4.12 | ||
Enterprise Value to Revenue 6.3 | Enterprise Value to EBITDA - | Shares Outstanding 8525360 | Shares Floating 7382452 |
Shares Outstanding 8525360 | Shares Floating 7382452 | ||
Percent Insiders 0.23 | Percent Institutions 61.2 |
Analyst Ratings
Rating 1 | Target Price 100 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Northeast Bancorp
Company Overview
History and Background
Northeast Bancorp was founded in 1872 as Norway Savings Bank. It evolved over time, diversifying its offerings and growing through strategic acquisitions, transforming into a full-service financial institution.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending and deposit products and services to businesses and municipalities.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, equipment financing, and real estate. Market share data is not publicly available. Competitors include other regional banks like Bangor Savings Bank.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Market share data is not publicly available. Competitors include national mortgage lenders like Wells Fargo and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Northeast Bancorp operates as a community-focused bank, emphasizing personalized service and local expertise. This strategy helps them compete against larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in Northeast Bancorp's operating region is estimated to be in the billions of dollars. Northeast Bancorp's is well-positioned to increase market share.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Solid capital base
- Focus on customer service
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Higher cost structure
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions
- Growth in the local economy
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bangor Savings Bank (Not Publicly Traded)
- Camden National Corporation (CAC)
- Kennebec Savings Bank (Not Publicly Traded)
Competitive Landscape
Northeast Bancorp competes primarily with other regional banks and credit unions. Their focus on community banking and personalized service differentiates them from larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Northeast Bancorp's growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for Northeast Bancorp, driven by increased lending and deposit activity.
Recent Initiatives: Recent initiatives include expanding their digital banking platform and focusing on commercial lending growth.
Summary
Northeast Bancorp is a community-focused bank with a solid capital base and a history of steady growth. While its limited geographic reach and smaller scale pose challenges, it is well-positioned to capitalize on opportunities in its local markets. Expansion of digital services and strategic acquisitions could further enhance its growth trajectory. They face competition from larger banks and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share and competitor information is based on available data and estimates, and may not be fully accurate.
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 194 | Website https://www.northeastbank.com |
Full time employees 194 | 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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