Northeast Indiana Bancorp Inc (NIDB)

OTHER OTC:NIDB

NIDB

Northeast Indiana Bancorp

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Northeast Indiana Bancorp (NIDB) Price & Analysis

36 Followers

NIDB Stock Chart & Stats

$21.06

$0.08(0.46%)

At close: Jan 06 4:00 PM EST

$21.06

$0.08(0.46%)

Day’s Range― - ―

52-Week Range$16.95 - $22.95

Previous CloseN/A

Volume380.00

Average Volume (3M)732.00

Market Cap

$54.34M

Enterprise Value$94.28M

Total Cash (Recent Filing)$90.00M

Total Debt (Recent Filing)$47.00M

Price to Earnings (P/E)7.9

Beta-0.04

Next Earnings

Apr 15, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield3.54%

Share Statistics

EPS (TTM)0.75

Shares Outstanding2,397,496

10 Day Avg. Volume292

30 Day Avg. Volume732

Financial Highlights & Ratios

PEG Ratio0.17

Price to Book (P/B)0.91

Price to Sales (P/S)1.48

P/FCF Ratio8.05

Enterprise Value/Market Cap1.74

Enterprise Value/Revenue3.80

Enterprise Value/Gross Profit5.34

Enterprise Value/Ebitda17.65

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

Bulls Say, Bears Say

Bulls Say

Consistent Cash GenerationFree cash flow has been positive across the period and covered a large share of net income (~0.77–0.89, ~0.84 in 2025), with operating cash flow roughly $6.2M–$9.0M historically ($7.4M in 2025). That durable cash conversion supports dividends, loan funding, and reinvestment capacity, providing resilience and flexibility across business cycles.

Revenue And Earnings Rebound In 2025After weaker 2023–2024 results, a 35.4% revenue surge and net income recovery to $6.3M in 2025 indicate re-accelerating core performance. If sustained, this momentum supports stronger loan originations, fee income, and reinvestment, improving medium-term profitability and operational scalability for the community bank franchise.

Improving Balance Sheet MetricsReduced leverage and rising equity provide a stronger capital base: debt-to-equity fell materially while equity and assets expanded. This improvement increases regulatory and lending capacity, lowers solvency risk, and gives management more optionality to support growth or absorb shocks without immediate external capital needs.

Bears Say

Sustained Margin CompressionNet and operating margins have meaningfully contracted from the 2021–2022 levels, reducing earnings power per revenue dollar. Persistent margin pressure would limit return generation and make profitability more sensitive to funding costs and competitive pricing, constraining durable ROE improvement without margin restoration.

Volatility In Revenue And Cash ConversionMaterial swings in revenue and prior declines in free cash flow show cyclicality in core performance and cash conversion. Such volatility reduces predictability for provisioning, capital allocation, and dividend policy, raising execution risk across economic cycles and complicating strategic planning for a regional bank.

Leverage Still Above Earlier RangeAlthough leverage has improved, debt-to-equity remains elevated versus earlier periods, keeping balance-sheet sensitivity higher. Persistent above-range leverage can constrain capital-return flexibility, increase exposure to interest-rate or credit stresses, and require continued focus on capital build or risk-weighted asset control.

NIDB FAQ

What was Northeast Indiana Bancorp Inc’s price range in the past 12 months?

Northeast Indiana Bancorp Inc lowest stock price was $16.95 and its highest was $22.95 in the past 12 months.

What is Northeast Indiana Bancorp Inc’s market cap?

Northeast Indiana Bancorp Inc’s market cap is $54.34M.

When is Northeast Indiana Bancorp Inc’s upcoming earnings report date?

Northeast Indiana Bancorp Inc’s upcoming earnings report date is Apr 15, 2026 which is in 10 days.

How were Northeast Indiana Bancorp Inc’s earnings last quarter?

Northeast Indiana Bancorp Inc released its earnings results on Jan 27, 2026. The company reported $0.75 earnings per share for the quarter, beating the consensus estimate of N/A by $0.75.

Is Northeast Indiana Bancorp Inc overvalued?

According to Wall Street analysts Northeast Indiana Bancorp Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Northeast Indiana Bancorp Inc pay dividends?

Northeast Indiana Bancorp Inc pays a Quarterly dividend of $0.19 which represents an annual dividend yield of 3.54%. See more information on Northeast Indiana Bancorp Inc dividends here

What is Northeast Indiana Bancorp Inc’s EPS estimate?

Northeast Indiana Bancorp Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Northeast Indiana Bancorp Inc have?

Northeast Indiana Bancorp Inc has 2,397,496 shares outstanding.

What happened to Northeast Indiana Bancorp Inc’s price movement after its last earnings report?

Northeast Indiana Bancorp Inc reported an EPS of $0.75 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.825%.

Which hedge fund is a major shareholder of Northeast Indiana Bancorp Inc?

Currently, no hedge funds are holding shares in NIDB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Northeast Indiana Bancorp Inc

Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking and financial advisory services. The company offers various personal products, including checking accounts, savings accounts, retirement accounts, health savings accounts, and direct deposits, as well as certificates of deposit. Its loan portfolio comprises mortgage loans, such as home purchases, refinances, new construction loans, and home equity/home improvement loans; installment loans consisting of auto loans, personal loans, short term notes, and savings account loans, as well as RV, ATV, and boat loans; and commercial loans, including lines of credit, letters of credit, equipment financing, and construction loans, as well as revolving line of credit, term loans, real estate loans, and small business administration loans. The company also offers debit and credit cards, safe deposit boxes, online banking services, merchant services, and cash management services, as well as treasury management and merchant deposit capture services. In addition, it provides various financial services to individual and corporate clients, including brokerage accounts, retail funds, and wealth management products, as well as insurance products and retirement plans. As of January 28, 2022, the company operated five full-service offices in Huntington; 2 offices in Warsaw; and 2 offices in Fort Wayne, Indiana. Northeast Indiana Bancorp, Inc. was incorporated in 1995 and is headquartered in Huntington, Indiana.