The earnings call for Northeast Bank highlighted a strong financial performance with record net income and robust loan activity. However, challenges such as a potential decline in SBA volume, increased competition in loan purchases, and increased noninterest expenses were noted. Despite these challenges, the overall financial performance was strong.

Company Guidance -

Q1 2026

During the Northeast Bank Fourth Quarter and Fiscal Year 2025 Earnings Conference Call, CEO Rick Wayne highlighted several key financial metrics demonstrating a strong performance. The bank achieved a record net income of $25.2 million for the quarter, excluding the effects of PPP loan sales. Loan originations and purchases totaled $362.6 million for the quarter and $2.1 billion for the fiscal year, with a weighted average rate of approximately 8%. The SBA loan originations also performed robustly, amounting to $107.3 million for the quarter. The bank's net interest margin stood at a notable 5.1%, while the return on equity and assets were recorded at 20.73% and 2.38%, respectively. The tangible book value per share was approximately $58. On the asset quality front, the allowance for credit losses over gross loans increased to 1.28% by the end of June. Despite a temporary dip expected in SBA lending volume due to regulatory changes, the bank remains optimistic about future prospects. Additionally, plans for significant investment in technology to drive further efficiency were discussed, indicating potential increases in expenses.

Record Net Income for the Quarter

Net income for the quarter was $25.2 million, excluding large sales of PPP loans, marking a record achievement for the company.

Strong Loan Activity

Loan originations and purchases totaled $362.6 million for the quarter and $2.1 billion for the fiscal year, showcasing robust loan activity.

Significant SBA Growth

SBA originations were $107.3 million for the quarter and $408.5 million for the year, with a gain of $8.2 million on loan sales.

High Return on Equity and Assets

Return on equity was a strong 20.73%, and return on assets was a very strong 2.38%.

Strong Revenue and Margin Performance

Total revenue for the quarter was $62.7 million, with a net interest margin of 5.1%.

Northeast Bancorp (NBN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

NBN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2026 (Q1)	2.65 / -	2.11	―	―	―
Jul 28, 2025	2025 (Q4)	2.57 / 3.00	1.91	57.07% (+1.09)
Apr 29, 2025	2025 (Q3)	2.77 / 2.23	1.83	21.86% (+0.40)
Feb 06, 2025	2025 (Q2)	2.57 / 2.74	1.85	48.11% (+0.89)
Oct 29, 2024	2025 (Q1)	1.77 / 2.11	2.01	4.98% (+0.10)
Jul 29, 2024	2024 (Q4)	1.79 / 1.91	1.61	18.63% (+0.30)
Apr 30, 2024	2024 (Q3)	1.72 / 1.83	1.69	8.28% (+0.14)
Jan 30, 2024	2024 (Q2)	1.72 / 1.85	1.54	20.13% (+0.31)
Oct 23, 2023	2024 (Q1)	1.56 / 2.01	1.12	79.46% (+0.89)
Jul 24, 2023	2023 (Q4)	1.55 / 1.61	1.35	19.26% (+0.26)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

NBN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$97.66	$104.07	+6.56%
Apr 29, 2025	$89.99	$82.81	-7.98%
Feb 06, 2025	$106.32	$109.54	+3.03%
Oct 29, 2024	$87.96	$90.78	+3.21%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Northeast Bancorp (NBN) report earnings?

Northeast Bancorp (NBN) is schdueled to report earning on Oct 29, 2025, Before Open (Confirmed).

What is Northeast Bancorp (NBN) earnings time?

Northeast Bancorp (NBN) earnings time is at Oct 29, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is NBN EPS forecast?

NBN EPS forecast for the fiscal quarter 2026 (Q1) is 2.65.

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