Northeast Bank cash flow to debt ratio of 6.31% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Northeast Bank's free cash flow has increased 48.03K% from $111.00K last year to $53.42M, signaling increasing performance

Northeast Bank's debt to equity ratio is 1.42, which means that the company's assets are unhealthy financed, signaling financial risk.

Northeast Bank's debt has increased relative to shareholder equity from 0.69 last year to 1.42 today, signaling weakened financials

Northeast Bank has a net debt to EBITDA ratio of 5.81x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Northeast Bank earns at least as much interest as it pays. Interest obligations are fully covered.

Northeast Bank's profit margin has increased (18.43%) in the last year from 23.77% to 28.16%, signaling increasing performance

Northeast Bank's short-term assets of $22.33M exceed its short-term liabilities of $0.00

Northeast Bank's return on assets of 2.06% is lower than the 5.00% threshold, indicating inefficient asset utilization

Northeast Bank's return on equity of 19.35%, is higher than 15.00%, indicating good performance

Northeast Bank's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Northeast Bank had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Northeast Bank has positive free cash flow, indicating the company generates cash after capital expenditures

Northeast Bank has a free cash flow yield of 4.82%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Northeast Bank's yearly earnings has increased 28.80% since last year from $83.44M to $107.48M, signaling increasing performance

Northeast Bank's yearly revenue has increased 9.71% since last year from $351.00M to $385.07M, signaling increasing performance

ROIC 2.06% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Northeast Bank's 3-year revenue CAGR of 28.87% is positive, indicating growing revenue over the past 3 years

Northeast Bank had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Northeast Bank had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Northeast Bank is overvalued relative to its fair value price of 128.19 based on Discounted Cash Flow model

Northeast Bank has an earnings yield of 9.66%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Northeast Bank is overvalued relative to its fair value price of 122.38 based on EBITDA multiple model

Northeast Bank has an EV/EBITDA ratio of 13.34x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Northeast Bank is undervalued relative to its fair value price of 274.59 based on Earnings Fair Value model

Northeast Bank has a PEG-ratio over 1 which is considered overvalued

Northeast Bank has a price-to-book ratio of 1.84x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Northeast Bank has a price-to-sales ratio of 2.91x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue