Northeast Bank (NBN) stock analysis

In our weekly check, Northeast Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 2, red flags: 10.

About Northeast Bank

Northeast Bank is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as NBN.

What our checks show for NBN

Red flags

• The net margin fell by 10.5 points over 5 years, to 27.9%: the company keeps less of each sale as profit.
• The gross margin fell by 36.1 points, to 61.5%: costs are rising faster than prices.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Analysts expect revenue to shrink about 11% a year.
• Free cash flow is negative (-16.6% of revenue): the business spends more cash than it brings in.
• The stock has fallen as much as 70% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 2.9%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• A small company (market value $1.1 billion): usually riskier and followed by fewer analysts.
• Thinly traded (about 109 thousand shares a day): buying and selling can move the price.

Strengths

• Analysts expect earnings per share to grow about 10.3% a year over the next years.
• Analysts expect the net margin to improve by 15.7 points from today's 27.9%.
• Revenue grew 28.9% a year over the last 3 years.
• Earnings per share grew 29.1% a year over the last 3 years.
• Net profit grew 34.5% a year over the last 3 years.
• The company keeps 27.9% of its revenue as net profit.

Next earnings report: 2026-10-26

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Questions

What grade does Northeast Bank (NBN) have?

In our weekly check, Northeast Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 2, red flags: 10. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of NBN stock?

This week's biggest flags for Northeast Bank: Margins falling, Gross margin falling, Profits not backed by cash. In total 12 of 25 checks show a warning or a red flag.

What does Northeast Bank do?

Northeast Bank is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as NBN.

When does Northeast Bank report earnings next?

The next earnings report is expected on 2026-10-26. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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