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Northeast Indiana Bancorp Inc (NIDB)
OTHER OTC:NIDB
US Market
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Northeast Indiana Bancorp (NIDB) AI Stock Analysis

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NIDB

Northeast Indiana Bancorp

(OTC:NIDB)

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Outperform 76 (OpenAI - 4o)
Rating:76Outperform
Price Target:
$22.50
▲(12.50% Upside)
Northeast Indiana Bancorp's overall stock score is driven by strong financial performance and a favorable valuation. The company's solid profitability and cash generation capabilities are complemented by an attractive P/E ratio and dividend yield. Technical indicators support a stable outlook, with the stock trading above key moving averages. The absence of earnings call data and corporate events does not detract from the positive assessment.

Northeast Indiana Bancorp (NIDB) vs. SPDR S&P 500 ETF (SPY)

Northeast Indiana Bancorp Business Overview & Revenue Model

Company DescriptionNortheast Indiana Bancorp (NIDB) is a financial holding company based in northeast Indiana that primarily operates through its subsidiary, The First National Bank of Fremont. NIDB provides a range of banking and financial services, including personal and commercial banking, mortgage lending, and investment services. The company focuses on serving individuals, businesses, and agricultural clients within its regional market, emphasizing community-oriented banking with a commitment to local development and customer relationships.
How the Company Makes MoneyNortheast Indiana Bancorp generates revenue primarily through interest income earned from loans and mortgages issued to customers, which is a significant portion of its earnings. Additionally, the company earns non-interest income from fees associated with account services, asset management, and various banking transactions. The bank's investment in securities also contributes to its revenue streams through interest and dividends. Furthermore, NIDB benefits from strategic partnerships with local businesses and community organizations that enhance its service offerings and customer base, thereby driving additional income through increased banking activity and customer loyalty.

Northeast Indiana Bancorp Financial Statement Overview

Summary
Northeast Indiana Bancorp demonstrates a solid financial standing with consistent profitability and strong cash generation. Minor concerns include increased leverage and a decline in operational efficiency, but the robust equity base and cash flow strengths are positive indicators.
Income Statement
72
Positive
Northeast Indiana Bancorp has shown a stable revenue base with a slight growth. The gross profit margin remains high, indicating efficient cost management. Net profit margin is solid, reflecting good profitability. However, EBIT and EBITDA margins show a declining trend over the past years, which could indicate increasing operational costs. Overall, the income statement reflects a strong performance with minor concerns over operating efficiency.
Balance Sheet
68
Positive
The company maintains a healthy equity ratio, indicating a strong capital base. However, the debt-to-equity ratio has increased over the years, suggesting increased leverage. Return on equity is moderate, showing decent returns on shareholder investments. Overall, the balance sheet is stable but shows increased reliance on debt funding, which could pose risks if interest rates rise or earnings falter.
Cash Flow
75
Positive
Positive free cash flow growth and a healthy operating cash flow to net income ratio highlight strong cash generation capabilities. The free cash flow to net income ratio is also favorable, indicating efficient cash utilization. However, cash flow from investing activities remains negative, which may impact liquidity if not managed properly. Overall, the cash flow statement indicates robust cash generation with some investment-related cash outflows.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue24.84M17.18M27.29M20.90M21.00M16.46M
Gross Profit17.66M17.18M16.65M18.65M18.79M16.46M
EBITDA5.34M5.92M6.02M9.31M10.67M6.76M
Net Income4.69M4.31M4.26M6.55M7.30M5.60M
Balance Sheet
Total Assets556.84M522.32M498.68M445.53M417.66M391.28M
Cash, Cash Equivalents and Short-Term Investments90.00M89.27M86.79M83.39M104.64M94.38M
Total Debt47.00M25.50M47.25M32.00M23.00M38.00M
Total Liabilities506.44M474.05M452.26M402.40M368.96M345.73M
Stockholders Equity50.40M48.28M46.42M43.13M48.69M45.55M
Cash Flow
Free Cash Flow0.005.57M5.24M6.45M6.94M5.79M
Operating Cash Flow0.006.54M6.17M7.23M9.00M6.47M
Investing Cash Flow0.00-21.25M-51.88M-50.00M-26.93M-33.68M
Financing Cash Flow0.0019.45M47.30M30.88M19.00M30.70M

Northeast Indiana Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price20.00
Price Trends
50DMA
19.76
Positive
100DMA
18.74
Positive
200DMA
18.10
Positive
Market Momentum
MACD
0.07
Positive
RSI
54.79
Neutral
STOCH
21.89
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NIDB, the sentiment is Positive. The current price of 20 is above the 20-day moving average (MA) of 19.96, above the 50-day MA of 19.76, and above the 200-day MA of 18.10, indicating a bullish trend. The MACD of 0.07 indicates Positive momentum. The RSI at 54.79 is Neutral, neither overbought nor oversold. The STOCH value of 21.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NIDB.

Northeast Indiana Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$47.71M10.119.61%3.60%7.22%10.30%
$45.87M10.148.21%3.53%0.32%37.93%
$48.18M3.1914.85%25.77%12.09%
$51.79M10.244.54%3.76%6.89%
$18.00B11.429.92%3.81%9.73%1.22%
$47.68M20.494.50%1.00%13.47%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
NIDB
Northeast Indiana Bancorp
20.00
3.13
18.55%
ASRV
Ameriserv Financial
3.14
0.55
21.24%
HFBL
Home Federal Bancorp Of Louisiana
15.00
2.89
23.86%
OPHC
Optimumbank Holdings
4.10
-0.58
-12.39%
TCBS
Texas Community
16.05
1.37
9.33%
PBBK
PB Bankshares
19.73
4.60
30.40%
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.Date of analysis: Oct 24, 2025