Northeast Bank (Maine) (NBN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Northeast Bank (Maine)

Camden National Corp. (Maine)

Central Pacific Financial Corp.

HomeTrust Bancshares, Inc.

Independent Bank Corp. (Michigan)

Flushing Financial Corp.

HarborOne Bancorp, Inc.

CNB Financial Corp. (Pennsylvania)

Metropolitan Bank Holding Corp.

Equity Bancshares, Inc.

Luther Burbank Corp.

Why is Northeast Bank (Maine) ?

High Management Efficiency with a high ROA of 1.61%

The Bank has a high Capital Adequacy Ratio of 15.75% signifying high buffers against its risk based assets

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 29.69%

With ROA of 1.29%, it has a very attractive valuation with a 1.42 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 -13.10%, its profits have risen by 33% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 67.75%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.45% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Northeast Bank (Maine)

-6.56%

1.62

35.02%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

31.22%

EBIT Growth (5y)

27.75%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

0.40%

Pledged Shares

Institutional Holding

67.75%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.42

EV to EBIT

5.79

EV to EBITDA

5.63

EV to Capital Employed

1.46

EV to Sales

2.06

PEG Ratio

0.30

Dividend Yield

0.05%

ROCE (Latest)

25.22%

ROE (Latest)

15.69%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

21What is working for the Company

ROCE(HY)

Highest at 2.25%

NII(Q)

Highest at USD 53.93 MM

NET SALES(Q)

Highest at USD 89.69 MM

OPERATING PROFIT(Q)

Highest at USD 37.73 MM

OPERATING PROFIT MARGIN(Q)

Highest at 42.07 %

PRE-TAX PROFIT(Q)

Highest at USD 37.73 MM

NET PROFIT(Q)

Highest at USD 25.22 MM

EPS(Q)

Highest at USD 3

-7What is not working for the Company

INTEREST(9M)

At USD 107.31 MM has Grown at 28.15%

ROCE(HY)

Lowest at 2.25%

CREDIT DEPOSIT RATIO(HY)

Lowest at 111.28%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0.33%

Here's what is working for Northeast Bank (Maine)

NII

Highest at USD 53.93 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 89.69 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Net Sales

At USD 89.69 MM has Grown at 18.64%

over average net sales of the previous four periods of USD 75.6 MM

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 37.73 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 42.07 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 37.73 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 25.22 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 3

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Northeast Bank (Maine)

Credit Deposit Ratio

Lowest at 111.28% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Interest

At USD 107.31 MM has Grown at 28.15%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Dividend Payout Ratio

Lowest at 0.33%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)