The earnings call presented a strong financial performance with record net income and robust loan growth, particularly in the SBA segment. However, challenges like potential SBA volume dips and increased noninterest expenses temper the overall positivity.

Company Guidance

During the Northeast Bank Fourth Quarter and Fiscal Year 2025 Earnings Conference Call, CEO Rick Wayne highlighted several key financial metrics that demonstrated a strong performance for the quarter and the fiscal year ending June 30. Net income reached a record $25.2 million, excluding the impact of PPP loan sales. Loan originations and purchases totaled $362.6 million for the quarter and $2.1 billion for the year, with a weighted average loan rate of approximately 8%. The bank originated $107.3 million in SBA loans for the quarter, with sales of $107.6 million generating an $8.2 million gain. The net interest margin was reported at a robust 5.1%, and the return on purchased loans was 8.76%. The bank's earnings per share were $3.06 basic and $3.00 fully diluted, with a return on equity of 20.73% and a return on assets of 2.38%. The allowance for credit losses over gross loans was 1.28% as of the end of June. Additionally, total revenue for the quarter was $62.7 million, while noninterest expense stood at $21.5 million, influenced by a compensation expense true-up.

Record Net Income

Net income for the quarter was $25.2 million, marking a record if we exclude the large sale of PPP loans.

Strong Loan Originations and Purchases

Total loan originations and purchases for the quarter amounted to $362.6 million and $2.1 billion for the fiscal year.

Robust SBA Performance

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

High Return on Equity

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

Increased Loan Portfolio

The loan portfolio grew by 36% overall with purchased loan growth of 43% and originated growth of 27%.

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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