Northeast Bancorp's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Northeast Bancorp (NBN) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Northeast Bancorp vs Its Competitors
- TTM: Trailing 12-month revenue of 65M vs -M combined for tracked competitors (100.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-11.6% annualized vs trailing 12 months).
- Peer revenue share: Northeast Bancorp accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.37M compares with $0.58M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
NBN Sales vs. its Competitors, Q3 2017
Northeast Bancorp generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 30.1% for Northeast Bancorp. Northeast Bancorp's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Northeast Bancorp's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Northeast Bancorp | Yes | Yes | No | No |
| Competitors combined (1) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
NBN Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | William Penn Bancorporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Northeast Bancorp's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Northeast Bancorp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Northeast Bancorp | 1,129.25 | 65.07 |
| William Penn Bancorporation | 101.12 | 20.36 |
| SUBTOTAL | 1,230.37 | 85.43 |
Sources: Northeast Bancorp's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Northeast Bancorp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Northeast Bancorp's Competitors Named by the Company
Competitive relationships identified from Northeast Bancorp reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| William Penn Bancorporation | Company report | 85% |
| Beacon Financial Corporation | Company report | 85% |
| Hampden Bancorp, Inc. | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Randolph Bancorp Inc. | Company report | 85% |
| Cambridge Bancorp | Company report | 85% |
| Boston private financial holdings inc | Company report | 85% |
| Independent Bank Corp | Company report | 85% |
| Wellesley Bancorp Inc | Company report | 85% |
| Blue Hills Bancorp, Inc. | Company report | 85% |
| Harborone Bancorp Inc | Company report | 85% |
| Enterprise Bancorp inc | Company report | 85% |
| United Financial Bancorp Inc | Company report | 85% |
| Avidia Bancorp, Inc. | Company report | 85% |
| Ecb Bancorp Inc | Company report | 85% |
| Century Bancorp Inc | Company report | 85% |
| Provident Bancorp Inc | Company report | 85% |
| Winchester Bancorp Inc | Company report | 85% |
| Bsb Bancorp, Inc. | Company report | 85% |
| Bar Harbor Bankshares | Company report | 85% |
| Independent Bank Corporation | Company report | 85% |
| Washington Trust Bancorp Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Northeast Bancorp's named competitors require a Commercial License.
Methodology: relationships are extracted from Northeast Bancorp reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Northeast Bancorp's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Northeast Bancorp | 1,129 | 373,937 | 108,224 |
| William Penn Bancorporation | 101 | 581,800 | -29,457 |
| PEERS TOTAL | 101 | 581,800 | -29,457 |
Northeast Bancorp's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Northeast Bancorp's industry classification, broader than the peer set above. Market cap in millions of $.Northeast Bancorp ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 518, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,401 | 15.02 % |
| 2 | Deutsche Bank Aktiengesellschaft | 65,361 | 8.66 % |
| 3 | Ita Unibanco Holding S a | 53,031 | 7.02 % |
| 4 | State Street Corp | 46,578 | 6.17 % |
| 5 | Fifth Third Bancorp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | Northeast Bancorp | 1,092 | 0.00 % |
Market cap and industry share for the rest of Northeast Bancorp's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-05-28.
Northeast Bancorp's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 55.26 % | 50.49 % (avg) | +4.8 pp |
| Capital Intensity (Capex / Revenue) | 0.53 % | 2.34 % (avg) | -1.8 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Northeast Bancorp's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.6x | - | - |
| EV / EBITDA | 4.6x | - | - |
| P/B | 1.2x | - | - |
| Return on Equity | 12.91 % | industry aggregate | 2.20 % |
| Return on Invested Capital | 7.55 % | 4.16 % (avg) | 3.39 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Northeast Bancorp's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|---|---|---|---|---|---|
| Revenue Growth | 2.55 % | -5.00 % | 15.85 % | 10.61 % | 19.66 % | 7.53 % |
| Operating Margin | - | - | - | - | - | - |
| Return on Invested Capital | - | - | - | - | 7.55 % | 7.49 % |
| P/E | - | - | 13.1x | 12.0x | 14.9x | 9.8x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Northeast Bancorp's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 518 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.53 % vs industry average 2.34 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Northeast Bancorp's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Northeast Bancorp's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Northeast Bancorp's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Northeast Bancorp falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Northeast Bancorp's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-11.6% annualized vs trailing 12 months).
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
- A meaningful share of tracked competitors (100.00 %) show financial-distress signals, a possible opening to gain share.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Northeast Bancorp's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Northeast Bancorp | 0.04 | 1.18 | 0.17 |
| William Penn Bancorporation | - | 1.18 | 0.02 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Northeast Bancorp's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Northeast Bancorp | Q1 2017 | +12.5 % | +22.8 % |
| William Penn Bancorporation | Q4 2024 | +0.1 % | - |
| PEERS TOTAL | +9.3 % | -2.6 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Northeast Bancorp's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Northeast Bancorp | Q1 2017 | +13.7 % | -86.2 % |
| William Penn Bancorporation | Q4 2024 | -44.0 % | -92.9 % |
Northeast Bancorp's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Northeast Bancorp | 1.57% | 9.14% | 12.91% |
| William Penn Bancorporation | - | - | - |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Northeast Bancorp's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Northeast Bancorp | 59.89 | 17.36 |
| William Penn Bancorporation | 41.15 | 4.97 |
| PEERS AVERAGE | 69.12 | 14.40 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.