A Look At Northeast Bank (NBN) Valuation After Mixed Q2 Earnings And Record Loan Growth

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Feb 02

AdvertisementEarnings, loan growth and dividend: what just happened Northeast Bank (NBN) combined several key updates in late January, reporting second quarter earnings, higher quarterly net charge-...

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For the quarter ended December 31, 2025, the bank reported net interest income of US$48.8 million, compared with US$48.49 million a year earlier, and net income of US$20.74 million versus US$22.44 million in the prior year period. Basic earnings per share from continuing operations were US$2.49, compared with US$2.79 a year ago, while diluted earnings per share from continuing operations were US$2.47, compared with US$2.74 in the same quarter last year. Over the first six months of the fiscal year, net interest income was US$96.99 million, compared with US$87.49 million a year earlier, and net income was US$43.28 million, compared with US$39.55 million in the prior year period. For the six month period, basic earnings per share from continuing operations were US$5.22, compared with US$4.96 a year ago, and diluted earnings per share from continuing operations were US$5.14, compared with US$4.85 in the previous year period. Management also reported that the quarter included net charge-offs of US$2,942,000, compared with US$869,000 a year earlier, alongside comments that loan volumes expanded by nearly US$900 million and originated loans reached a record quarterly level. According to the company, delinquencies, non accruals and classified loans remained relatively flat, and it expects higher net interest income and net interest margin in coming quarters, supported by the larger loan book and downward repricing of certain liabilities. See our latest analysis for Northeast Bank. The recent earnings update, higher net charge offs and token dividend decision have come against a strong share price backdrop. The shares have returned 12.03% over 1 month and 35.25% over 3 months, with a 5 year total shareholder return of 319.88%. This suggests momentum has been building over both shorter and longer periods. If Northeast Bank's performance has your attention, this could be a good moment to broaden your watchlist and check out solid balance sheet and fundamentals stocks screener (None results) as potential ideas for other resilient names to research. With the shares up strongly over the past few months and trading at US$115.23, yet screening with a high value score and a large modelled intrinsic discount, is there still a gap to close here, or has the market already priced in future growth? Most Popular Narrative: 1.9% Undervalued With Northeast Bank last closing at $115.23 against a widely followed fair value estimate of $117.50, the current price sits slightly below that narrative anchor and sets up an interesting valuation debate.  The analysts have a consensus price target of $111.0 for Northeast Bank based on their expectations of its future earnings growth, profit margins and other risk factors. In order for you to agree with the analyst's consensus, you'd need to believe that by 2028, revenues will be $293.6 million, earnings will come to $120.8 million, and it would be trading on a PE ratio of 10.1x, assuming you use a discount rate of 6.8%.  Read the complete narrative. That fair value rests on confident revenue compounding, firm margins and a future earnings multiple that drifts lower than today. It also raises the question of which assumptions really carry the most weight in that model, and how sensitive the outcome is if they shift even slightly. Result: Fair Value of $117.50 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, you also need to weigh rising competition in purchased and originated loans, as well as potential pressure from New York City multifamily exposure if regulations tighten. Find out about the key risks to this Northeast Bank narrative.  Build Your Own Northeast Bank Narrative If you feel the assumptions here do not quite fit your view, you can stress test the numbers yourself and build a custom thesis in minutes with Do it your way. A good starting point is our analysis highlighting 4 key rewards investors are optimistic about regarding Northeast Bank. Looking for more investment ideas? If Northeast Bank has sparked your interest, do not stop there. Broaden your horizons now or you may miss out on opportunities that fit your style even better.  Spot potential value setups early by filtering for these 887 undervalued stocks based on cash flows that align with your return and risk preferences. Capture growth themes at the source by zeroing in on these 24 AI penny stocks positioned around artificial intelligence trends. Add diversification to your watchlist by scanning these 18 cryptocurrency and blockchain stocks connected to blockchain and digital asset developments.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Northeast Bank might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}