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NBN Earning Date, Transcript Summary & Report

Northeast Bank
$
91.790
-0.700(-0.760%)

NBN Earnings Prediction

The chart below shows how NBN performed 10 days before and after its earnings report, based on data from the past quarters. Typically, NBN sees a -4.97% change in stock price 10 days leading up to the earnings, and a +3.25% change 10 days following the report. On the earnings day itself, the stock moves by +0.47%. This data can give you a slight idea of what to expect for the next quarter's release.

NBN Key Earning Data

2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
41.63M
13.33%
8.14%
Gross Margin
--
--
--
Operating Margin
60.08%
-1.15%
3.16%
Net Margin
41.09%
-0.51%
4.47%
EPS
2.11
4.98%
10.47%
No Data Available

NBN Earnings Analysis

Northeast Bank Common Stock Corporation (NBN.O) Earnings Conference Call

Positive

  • Record Loan Production: Our loan production of $942 million was the second best quarter in the bank's history behind only the quarter in December 2022, when we purchased $1 billion of loans in a transaction that most of you are familiar with.

  • Loan Acquisition Summary: This quarter, we had $733 million of purchased loans and $209 million of originated loans.

  • Record Net Income Achievement: We generated $17.1 million of net income, which was the highest level of net income in the bank's history.

  • Earnings and Return Metrics: Earnings per share diluted were $2.11, and return on equity was 17.53%.

  • Loan Capacity Update: Our loan capacity as of September 30th was $462 million.

Negative

  • Quarterly Loan Production Decline: Loan production of $942 million was the second best quarter in the bank's history, but down from $1 billion in December 2022.

  • Loan Purchase Decline: Purchased loans totaled $733 million, significantly lower than the $1 billion purchased in December 2022.

  • Decline in Net Income: Net income generated was $17.1 million, which is lower than previous quarters and indicates a decline in profitability.

  • Loan Capacity Decline: The bank's loan capacity as of September 30th was $462 million, reflecting a decrease in available lending resources.

  • Earnings Decline Alert: Earnings per share diluted were $2.11, which is lower than expected and indicates a decline in shareholder value.

Key Financial Performance iconKey Financial Performance
Operating Highlights iconOperating Highlights
Risks or Challenges iconRisks or Challenges
Strategic Initiatives & Outlook iconStrategic Initiatives & Outlook
Shareholder Return Plan iconShareholder Return Plan

NBN FAQs

How does NBN typically perform around its earnings report dates?

NBN's stock performance around earnings reports can vary, but historical data shows specific patterns, such as a -4.97% change leading up to the report and a +3.25% change in the 10 days following the release.

Is Northeast Bank (NBN) Q1 2025 Earnings Call Summary positive or negative?

How can historical earnings data help predict future stock performance?

NBN Earnings Deck

Northeast Bank (NBN) Q1 2025 Earnings Call Transcript

NBN Earning Call Sentiment

Northeast Bank (NBN) Q1 2025 Earnings Call Transcript

1.0x
00:00
0:00
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NBN.O

-0.76%
Positive
The earnings call highlights strong financial performance, including record net income and EPS, despite increased non-performing loans. The bank anticipates benefiting from falling interest rates and has a solid shareholder return plan. The Q&A session reveals no major analyst concerns, with management providing satisfactory answers. The bank's strategic plan and expected revenue growth further support a positive outlook. Given these factors, a stock price increase of 2% to 8% is likely over the next two weeks.