Katahdin Bankshares Corp. (KTHN)
OTHER OTC:KTHN
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Katahdin Bankshares
(OTC:KTHN)
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Rating:79Outperform
Price Target:
$37.00
▲(27.98% Upside)
Action:ReiteratedDate:03/10/26
The score is driven by solid financial performance (healthy margins, improving leverage, strong cash conversion) and an attractive valuation (low P/E with a dividend). Technicals are supportive due to an uptrend and positive MACD, though near-term momentum looks stretched (high stochastic), which tempers the score.
Positive Factors
Profitability & Margins
Consistently strong margins (2025 net ~17%, EBIT ~21%) provide durable earnings power. Higher margins help absorb credit and funding shocks, support internal reinvestment and moderate dividend capacity, making earnings less dependent on volume recovery alone.
Negative Factors
Topline Volatility
Sharp revenue swings (2024 decline then 2025 rebound: -25% then +13%) indicate unstable topline drivers. Persistent volatility undermines forecasting, capital planning and credit risk assessment, increasing the risk that earnings and loan growth will be uneven across cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & Margins
Consistently strong margins (2025 net ~17%, EBIT ~21%) provide durable earnings power. Higher margins help absorb credit and funding shocks, support internal reinvestment and moderate dividend capacity, making earnings less dependent on volume recovery alone.
Read all positive factors
Katahdin Bankshares (KTHN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$108.54M
Dividend Yield2.8%
Average Volume (3M)265.00
Price to Earnings (P/E)7.3
Beta (1Y)0.25
Revenue Growth7.63%
EPS Growth8.12%
CountryUS
Employees174
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.99
Shares Outstanding3,401,000
10 Day Avg. Volume200
30 Day Avg. Volume265
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.89
Price to Sales (P/S)1.48
P/FCF Ratio8.20
Enterprise Value/Market Cap0.89
Enterprise Value/Revenue1.78
Enterprise Value/Gross Profit2.37
Enterprise Value/Ebitda8.92
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Katahdin Bankshares Business Overview & Revenue Model
Company Description
Katahdin Bankshares Corp. operates as the bank holding company for Katahdin Trust Company, a state-chartered commercial bank that provides a range of commercial and retail banking services for individuals and businesses in Maine. It provides vario...
How the Company Makes Money
Katahdin Bankshares generates revenue primarily through interest income from loans and mortgages, which represent a significant portion of its earnings. The company offers various loan products, including personal loans, business loans, and real e...
Katahdin Bankshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 54.69M | 62.01M | 38.35M | 51.21M | 40.95M | 39.83M |
| Gross Profit | 40.98M | 44.32M | 38.35M | 39.07M | 37.28M | 35.63M |
| EBITDA | 10.89M | 13.18M | 9.74M | 13.26M | 12.96M | 12.66M |
| Net Income | 8.92M | 10.70M | 8.06M | 9.91M | 9.72M | 9.47M |
Balance Sheet | ||||||
| Total Assets | 1.09B | 1.12B | 1.08B | 1.03B | 983.54M | 940.50M |
| Cash, Cash Equivalents and Short-Term Investments | 29.00M | 37.20M | 50.90M | 181.27M | 177.32M | 173.44M |
| Total Debt | 30.00M | 30.00M | 34.70M | 31.53M | 22.98M | 22.91M |
| Total Liabilities | 991.47M | 1.02B | 988.52M | 946.44M | 903.87M | 856.89M |
| Stockholders Equity | 95.73M | 103.63M | 91.80M | 87.81M | 79.66M | 83.60M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 11.22M | 8.83M | 9.97M | 8.11M | 10.85M |
| Operating Cash Flow | 0.00 | 12.40M | 10.22M | 11.10M | 11.54M | 11.64M |
| Investing Cash Flow | 0.00 | -54.02M | -24.61M | -55.56M | -78.17M | -3.17M |
| Financing Cash Flow | 0.00 | 27.91M | 38.76M | 40.48M | 34.22M | -2.50M |
Katahdin Bankshares Technical Analysis
Neutral
28.91
Price Trends
31.82
Positive
29.84
Positive
27.64
Positive
Market Momentum
0.08
Positive
50.33
Neutral
53.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KTHN, the sentiment is Neutral. The current price of 28.91 is below the 20-day moving average (MA) of 31.95, below the 50-day MA of 31.82, and above the 200-day MA of 27.64, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 50.33 is Neutral, neither overbought nor oversold. The STOCH value of 53.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for KTHN.
Katahdin Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $108.54M | 7.34 | 10.84% | 2.80% | 7.63% | 8.12% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $82.70M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
63 Neutral | $121.17M | 15.00 | 6.26% | 2.12% | 2.27% | 66.15% | |
51 Neutral | $84.53M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
KTHN
Katahdin Bankshares
31.92
10.09
46.22%
AUBN
Auburn National Bancorporation
23.67
4.34
22.46%
LSBK
Lake Shore Bancorp
15.70
5.72
57.25%
PBHC
Pathfinder Bancorp
13.51
-1.69
-11.12%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.