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Upturn AI SWOT - About
NBN 
Northeast Bancorp (NBN)
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Upturn Advisory Summary
03/27/2025: NBN (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 44.28% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 840.41M USD | Price to earnings Ratio 13.51 | 1Y Target Price 107 |
Price to earnings Ratio 13.51 | 1Y Target Price 107 | ||
Volume (30-day avg) 46620 | Beta 1.06 | 52 Weeks Range 49.99 - 110.33 | Updated Date 03/23/2025 |
52 Weeks Range 49.99 - 110.33 | Updated Date 03/23/2025 | ||
Dividends yield (FY) 0.04% | Basic EPS (TTM) 7.57 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.16% | Operating Margin (TTM) 59.35% |
Management Effectiveness
Return on Assets (TTM) 1.77% | Return on Equity (TTM) 17.09% |
Valuation
Trailing PE 13.51 | Forward PE - | Enterprise Value 880667520 | Price to Sales(TTM) 4.65 |
Enterprise Value 880667520 | Price to Sales(TTM) 4.65 | ||
Enterprise Value to Revenue 7.17 | Enterprise Value to EBITDA - | Shares Outstanding 8206290 | Shares Floating 6387205 |
Shares Outstanding 8206290 | Shares Floating 6387205 | ||
Percent Insiders 0.24 | Percent Institutions 60.08 |
Analyst Ratings
Rating 3.5 | Target Price 107 | 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 originally founded in 1872 as the Norway Savings Bank. Over time, it evolved from a mutual savings bank to a publicly traded holding company.
Core Business Areas
- Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial products to individuals and businesses in Maine.
- Small Business Lending: Specializes in SBA lending to small businesses, a significant portion of its lending portfolio.
- Loan Acquisition: Engages in the purchase of loan participations and whole loans from other financial institutions.
Leadership and Structure
The company is led by its Chief Executive Officer, Richard Wayne, and operates with a traditional bank holding company structure, overseen by a Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial real estate projects. No official data on market share is available publicly. Key Competitors are other regional and national banks, as well as private lenders.
- SBA Loans: Specializes in originating and servicing SBA (Small Business Administration) loans. No official data on market share is available publicly. Competitors are other banks with SBA lending programs, such as Live Oak Bancshares (LOB) and Huntington Bancshares (HBAN).
- Residential Mortgages: Offers residential mortgages. No official data on market share is available publicly. Competitors include large national mortgage lenders such as Rocket Mortgage (RKT) and United Wholesale Mortgage (UWMC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from non-bank financial institutions.
Positioning
Northeast Bancorp is positioned as a community bank with a specialization in SBA lending, focusing on serving small businesses and local communities in Maine and beyond. This specialization provides a competitive advantage, but may limit overall market share.
Total Addressable Market (TAM)
The total addressable market for community banking and SBA lending is estimated to be in the hundreds of billions of dollars annually. Northeast Bancorp's TAM is a fraction of the national market.
Upturn SWOT Analysis
Strengths
- Strong SBA lending expertise
- Established presence in Maine
- Healthy asset quality
- Experienced management team
Weaknesses
- Limited geographic diversification
- Reliance on SBA lending
- Small size compared to national competitors
- Funding costs
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisition of other community banks
- Growth of the SBA lending market
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from larger banks
- Economic downturn in the Northeast
Competitors and Market Share
Key Competitors
- LOB
- HBAN
- FFWM
Competitive Landscape
Northeast Bancorp faces competition from larger regional and national banks, as well as other SBA lenders. Its smaller size and limited geographic diversification are disadvantages, but its expertise in SBA lending provides a competitive edge.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Based on public reporting to be available and updated, the growth trajectory would need to be described using financial data.
Future Projections: Based on available information the projection would be available and would need to be described using financial data.
Recent Initiatives: Northeast Bancorp has focused on expanding its digital banking capabilities and increasing its presence in the SBA lending market.
Summary
Northeast Bancorp is a small bank specializing in SBA lending with an established presence in Maine. Its specialization offers a competitive edge, but its limited geographic diversification is a weakness. Facing a rising rate environment and increased competition, the bank needs to focus on expansion and operational efficiency to maintain growth.
Similar Companies
- LOB
- HBAN
- CMA
Sources and Disclaimers
Data Sources:
- Company filings, Industry reports, Analyst reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimates and may not be precise.
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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