ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Northeast Bank (Maine) ?
1
High Management Efficiency with a high ROA of 1.61%
2
The Bank has a high Capital Adequacy Ratio of 15.75% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 24.57%
4
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 7.14 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 35.82 %
5
With ROA of 1.34%, it has a fair valuation with a 1.63 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 16.12%, its profits have risen by 27.2% ; the PEG ratio of the company is 0.4
6
High Institutional Holdings at 79.69%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 10.55% over the previous quarter.
7
Consistent Returns over the last 3 years
- Along with generating 16.12% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Northeast Bank (Maine) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Northeast Bank (Maine) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Northeast Bank (Maine)
15.18%
2.62
37.30%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
33.46%
EBIT Growth (5y)
18.70%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0.40%
Pledged Shares
0
Institutional Holding
79.69%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.63
EV to EBIT
6.49
EV to EBITDA
6.33
EV to Capital Employed
1.71
EV to Sales
2.41
PEG Ratio
0.37
Dividend Yield
0.04%
ROCE (Latest)
26.37%
ROE (Latest)
16.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
GROSS NPA (%)
(Q
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 7.14 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 35.82 %
Here's what is working for Northeast Bank (Maine)
Non Performing Loans (%)
Lowest at 0.8%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Here's what is not working for Northeast Bank (Maine)
Operating Cash Flow
Lowest at USD 7.14 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit Margin
Lowest at 35.82 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Capital Adequacy Ratio
Lowest at 12.47%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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