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Northeast Bank (NBN) — RQD Stock Rating Cockpit

$124.09 -2.99% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $123.19

Northeast Bank (NBN) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $1.12B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NBN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NBN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Northeast Bank (NASDAQ: NBN) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $124.09 (-2.99% 1D, market cap $1.12B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, NBN ranks #619 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NBN compare to FSBC and UVSP in the Financials sector?

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Within the Financials sector (Major Banks), NBN carries a Roarable D (51/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, FSBC (Five Star Bancorp) holds a C+ grade (69/100 RQD, P/E 18.2x, ROIC 13.8%, cap $1.10B) and UVSP (Univest Financial Corporation) posts a C grade (64/100 RQD, P/E 12.0x, ROIC 9.6%, cap $1.09B). Among the 5-stock peer group, UVSP leads on earnings multiple (12.0x) while FSBC leads on capital efficiency (13.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NBN?

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For Northeast Bank (NBN), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #619 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $123.18 (-0.73%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NBN)Realized 20D OHLCV Swing Band: ±6.1%

Deterministic 5-Pillar Attribution (51/100 Composite)

🔍 WHY NBN SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (22% of score)

SEC XBRL Trailing 12 Months: 0.8% FCF Margin ($31.4M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$126.12+1% Next Q

Q2 (-2Q)

Grade C$127.43+4.4% Next Q

Q3 (-1Q)

Grade C-$132.98-6.7% Next Q

Current

Grade D$124.09-1.3% Hist 90D α

Trajectory: C (59) → D (51)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a NBN Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While NBN currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($128.42) and Max Pain ($130.29) forces dealer call-delta covering toward $149.43.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NBN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NBN Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”

YES 51%NO 49%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

42.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE70% OF RANGE

L: $81$124.09H: $142

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on NBN

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (45)

17/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like NBN

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NBN)

✓Walkthrough of NBN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NBN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.67%📐 HORIZONTAL RANGE

2026-11-03O $127.9H $127.9L $124.1C $124.1VOL 117.8K

RES: $134.3SUP: $120.0SMA50: $128.4SMA200: $123.9

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NBN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NBN Butterfly Map → + Track NBN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NBN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NBN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NBN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NBN)

Financials Rank #619 of 1096 ⚔️ FSBC vs NBN Full Matrix →

1. Head-to-Head Financials Peer Comparison (NBN vs. FSBC, UVSP, AMTB, MCB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Northeast Bank (NBN) ranks #619 by composite RQD confidence (51/100, grade D) and #526 by equity capitalization ($1.12B). Within this direct 5-issuer industry benchmark cohort, UVSP leads on earnings valuation at 12.0x trailing P/E, while FSBC leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. FSBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with NBN at 51/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NBN ACTIVE Northeast Bank	D	51/100	—	—	—	-2.99%	$1.12B	Benchmark Subject
FSBC Five Star Bancorp	C+	69/100	18.2x	—	13.8%	-1.84%	$1.10B	/fsbc-vs-nbn →
UVSP Univest Financial Corporation	C	64/100	12.0x	—	9.6%	+0.69%	$1.09B	/uvsp-vs-nbn →
AMTB Amerant Bancorp Inc. (Class A)	C+	66/100	22.4x	—	5.6%	+0.13%	$1.17B	/amtb-vs-nbn →
MCB Metropolitan Bank Holding Corp.	C+	66/100	16.8x	—	9.6%	-1.00%	$1.18B	/mcb-vs-nbn →

2. NBN Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Northeast Bank (NBN) operates in Major Banks (Financials) with an equity capitalization of $1.12B, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. NBN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NBN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does NBN compare to FSBC and UVSP in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for NBN?

Where is NBN trading relative to its 50-day, 200-day, and 52-week technical levels?

NBN last traded at $124.09 (-2.99% on volume of 117,830 shares), positioning the stock -3.37% below its 50-day simple moving average ($128.42) and +0.15% above its 200-day simple moving average ($123.90). Across its 52-week range of $80.75 to $142.31, NBN sits at the 70.4% percentile with a 14-day RSI of 42.9 (NEUTRAL RANGE) and an implied next-earnings move of ±6.1% ($116.52 to $131.66).

NBN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NBN stock right now?

Northeast Bank (NBN) currently earns a Roarable Rating of D (Sell — SELL) with 51/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is NBN's 12-month price target and RQD AI Jury consensus?

NBN's 12-month base price target is $120.18 (range $93.74 to $149.43), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: NBN RQD Cockpit NBN 12M Forecast NBN Earnings & Move NBN Dividends & DRIP NBN Insiders & 13F NBN Whale Options NBN Profit Sankey NBN News & Why

ROARABLE RATING BRIEF • RQD 51/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

NBN — Northeast Bank: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:13:57Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, NBN scores 54 out of 100 (letter grade D+), with the verdict label "Roarable Sell — Weak Fundamentals / Trim." The five pillars are:

Fundamental Cash Engine: 11 / 20. Per the RQD rating, this pillar reflects ROIC of 0% and FCF yield of 0%. For a prospective investor, this means the rating system finds no measurable return on invested capital or free-cash-flow yield to anchor valuation, so the stock's price cannot currently be supported by cash-generation evidence in the source data.
Whale 13F Flow: 10 / 20. Per the RQD rating, this pillar covers institutional accumulation and options positioning. A below-midpoint score suggests limited evidence of sustained institutional accumulation in the source data.
Insider Conviction: 9 / 20. Per the RQD rating, this pillar covers SEC Form 4 and Congressional PTR cluster flow. The low score indicates the source data does not show strong insider conviction behind the stock.
Macro Regime Fit: 11 / 20. Per the RQD rating, beta is 1.0 with sector sensitivity considered. This implies the stock tracks broad market moves one-for-one, offering no defensive or asymmetric profile from a regime standpoint.
Forensic Balance Sheet: 13 / 20. Per the RQD rating, Altman Z is 2.5, Piotroski F is 6/9, and Debt/Equity is 0.5. This is the strongest pillar, indicating a comparatively sounder balance sheet than the cash-engine and flow pillars, though not a strong one.

Taken together, the pillars point to a balance sheet that is the most defensible element while cash-generation, flow, and insider signals are weak. Valuation tradeoffs cannot be fully assessed because P/E, forward P/E, and EV/EBITDA are not available in source data. Upside drivers would need to come from improved ROIC or cash generation, which the current data does not evidence.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, six items are listed, all related to NBN:

Yahoo Finance and GuruFocus-linked headlines reference strong Q1 earnings and a $29M net income figure (GuruFocus headline). Per the source, the stock "slips despite strong Q1 earnings."
A Seeking Alpha item carries a GREEN light and CATALYST label, headlined as a strong track record expected to continue.
A MarketScreener item reports fiscal Q1 EPS of $3.42 versus a FactSet estimate of $3.41.
A Stock Titan item references an earnings call set for Oct. 27 at 10 a.m. ET.
Other items are labeled MARKET WIRE with YELLOW lights.

Risk watch items: the price decline of -2.4% against strong headline earnings. Proprietary signals: none listed in the Butterfly Supply-Chain Graph.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies cannot be mapped from the source data. Sector correlations are likewise not available in source data. The sector and industry labels (Financials, Major Banks) are the only classification data provided. Investors should note the absence of supply-chain linkage data as a limitation rather than as evidence of independence from other institutions.

Open Questions

What are the revenue, operating income, net income, and free cash flow figures for the reported periods, given that the financials section is empty?
Why do the market data fields for margins, ROIC, and FCF yield read 0%, and do they reflect actual results or missing data?
What are the trailing and forward P/E and EV/EBITDA multiples needed to judge valuation?
What is the composition of institutional 13F holdings and any recent Form 4 insider activity?
What did the fiscal Q1 earnings report say about the drivers of the reported EPS and net income figures?

NBN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Northeast Bank (NBN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NBN Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 19h ago

Northeast Bank (NBN) Stock Slips Despite Strong Q1 Earnings

Yahoo Finance report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 22h ago

Northeast Bank's Strong Track Record Should Continue (NASDAQ:NBN)

Seeking Alpha report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Northeast Bank (NBN) Reports Strong Q1 Fiscal 2027 Earnings with $29M Net Income

GuruFocus report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Northeast Bank Fiscal Q1 Earnings, Revenue Rise

Yahoo Finance report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

Earnings Flash (NBN) Northeast Bank Posts Fiscal Q1 EPS $3.42, vs. FactSet Est of $3.41

www.marketscreener.com report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A Maine bank’s earnings call is set for Oct. 27 at 10 a.m. ET.

Stock Titan report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Northeast Bank Q1 2027 Earnings Call Transcript

Benzinga report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Why Northeast Bank (NBN) Is Back In The Spotlight

Simply Wall St report covering Northeast Bank (NBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NBN Bull vs. Bear Conversation Board — What's Your Call at $124.09?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NBN 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $138.14 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is NBN (D+ • RQD 54/100) a Buy at $127.91?

Welcome to the NBN (Northeast Bank) Roar Pit. Current RQD Composite is 54/100 (Roarable Sell — Weak Fundamentals / Trim) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $99.77 (-22.0%)

Spot @ $127.91

Pump the brakes on NBN — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on NBN, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Northeast Bank expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $147.10 (+15.0%)

Spot @ $127.91

NBN cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on NBN, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $127.91 (52-wk range $80.75 - $142.31), any beat on forward guidance forces shorts and underweight funds to chase.