NBN Valuation

Northeast Bank

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84.100

-2.24(-2.594%)1D

NBN Relative Valuation

NBN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NBN is overvalued; if below, it's undervalued.

Historical Valuation

Northeast Bank (NBN) is now in the Fair zone, suggesting that its current forward PE ratio of 7.86 is considered Fairly compared with the five-year average of 6.53. The fair price of Northeast Bank (NBN) is between 60.08 to 99.63 according to relative valuation methord.

Relative Value

Fair Zone

60.08-99.63

Current Price：84.61

Fair

7.86

Trailing

Forward

0.00

EV/EBITDA

Northeast Bank. (NBN) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Northeast Bank. (NBN) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

3.19

Northeast Bank. (NBN) has a current PS of 3.19. The 5-year average PS is 2.27. The thresholds are as follows: Strongly Undervalued below 0.17, Undervalued between 0.17 and 1.22, Fairly Valued between 3.32 and 1.22, Overvalued between 3.32 and 4.37, and Strongly Overvalued above 4.37. The current Forward PS of 3.19 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Northeast Bank. (NBN) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Northeast Bank. (NBN) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Northeast Bank (NBN) has a current Price-to-Book (P/B) ratio of 1.56. Compared to its 3-year average P/B ratio of 1.39 , the current P/B ratio is approximately 11.88% higher. Relative to its 5-year average P/B ratio of 1.29, the current P/B ratio is about 21.04% higher. Northeast Bank (NBN) has a Forward Free Cash Flow (FCF) yield of approximately 0.42%. Compared to its 3-year average FCF yield of 7.07%, the current FCF yield is approximately -94.08% lower. Relative to its 5-year average FCF yield of 9.40% , the current FCF yield is about -95.55% lower.

1.56

P/B

Median3y

1.39

Median5y

1.29

0.42

FCF Yield

Median3y

7.07

Median5y

9.40

Competitors Valuation Multiple

The average P/S ratio for NBN's competitors is 37.20, providing a benchmark for relative valuation. Northeast Bank Corp (NBN) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 39.59%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Independent Bank Corp (Michigan)

Great Southern Bancorp Inc

Capital City Bank Group Inc

Equity Bancshares Inc

41.42

-71.58%

778.89M

Performance Decomposition

Market capitalization of NBN decreased by 12.30% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 36.57M to 51.05M.

The secondary factor is the Margin Expansion, contributed -3.48%to the performance.

Overall, the performance of NBN in the past 1 year is driven by Revenue Growth. Which is more sustainable.

39.59%

36.57M → 51.05M

Revenue Growth

-3.48%

37.91 → 36.59

Margin Expansion

-48.41%

18.41 → 9.50

P/E Change

-12.30%