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
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- GROSS NPA (%)(Q) Lowest at 0.68%
- NII(Q) Highest at USD 63.07 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 121.87%
5
With ROA of 1.34%, it has a attractive valuation with a 1.62 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 49.22%, its profits have risen by 27.2% ; the PEG ratio of the company is 0.4
Real-Time Research ReportHow much should you buy?
- 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?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Northeast Bank (Maine)
49.22%
3.67
35.57%
S&P 500
20.78%
1.56
13.28%
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
84.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.62
EV to EBIT
6.43
EV to EBITDA
6.28
EV to Capital Employed
1.70
EV to Sales
2.39
PEG Ratio
0.37
Dividend Yield
0.04%
ROCE (Latest)
26.37%
ROE (Latest)
16.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 63.07 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 121.87%
NET SALES(Q)
Highest at USD 101.87 MM
OPERATING PROFIT(Q)
Highest at USD 43.2 MM
OPERATING PROFIT MARGIN(Q)
Highest at 42.4 %
PRE-TAX PROFIT(Q)
Highest at USD 43.2 MM
NET PROFIT(Q)
Highest at USD 29.85 MM
EPS(Q)
Highest at USD 3.53
-2What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0.28%
Here's what is working for Northeast Bank (Maine)
Non Performing Loans (%)
Lowest at 0.68%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 63.07 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 101.87 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 101.87 MM has Grown at 20.62%
over average net sales of the previous four periods of USD 84.45 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 43.2 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 42.4 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 43.2 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 29.85 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 3.53
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 121.87%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Northeast Bank (Maine)
Dividend Payout Ratio
Lowest at 0.28% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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