Northeast Indiana Bancorp (NIDB) AI Stock Analysis

• Market Cap: $42.26M
• Dividend Yield: 4.02%
• Average Volume (3M): 439.00
• Price to Earnings (P/E): 9.1
• Beta (1Y): -0.04
• Revenue Growth: 12.83%
• EPS Growth: 22.51%
• Country: US
• Employees: 58
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 1.94
• Shares Outstanding: 2,397,496
• 10 Day Avg. Volume: 502
• 30 Day Avg. Volume: 439
• PEG Ratio: 1.10
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: 0.59
• Enterprise Value/Gross Profit: 2.08
• Enterprise Value/Ebitda: 36.50
• 1Y Price Target: $19.50
• Price Target Upside: 10.67% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: $19.00 ▲(7.83%Upside)

Northeast Indiana Bancorp's strong valuation metrics and solid financial performance underpin its overall stock score. The company shows potential for value investors with a low P/E ratio and attractive dividend yield. However, technical analysis indicates neutral to slightly bearish momentum, which could temper short-term performance. The absence of significant earnings call data means the score is primarily driven by fundamentals and valuation.

Northeast Indiana Bancorp Business Overview & Revenue Model

Company Description

Northeast Indiana Bancorp (NIDB) is a financial holding company headquartered in Huntington, Indiana. It operates primarily through its wholly-owned subsidiary, First Federal Savings Bank, which offers a range of financial products and services. The bank provides personal and commercial banking solutions including savings, checking, and loan products, catering to individuals, small businesses, and corporations within the region.

How the Company Makes Money

Northeast Indiana Bancorp generates revenue primarily through interest income earned on loans and investments. The bank extends various types of loans, including residential mortgages, commercial real estate loans, and consumer loans, charging interest which serves as a primary income stream. Additionally, the company earns non-interest income from service charges on deposit accounts, fees from loan origination, and other banking services. The bank's ability to maintain a steady stream of deposits is crucial, as it provides the capital needed to fund its lending activities, with interest rate spreads between deposits and loans significantly impacting profitability. Strategic partnerships with financial service providers and community engagement also enhance its revenue potential and market presence.

Northeast Indiana Bancorp Financial Statement Overview

Summary

Northeast Indiana Bancorp demonstrates a solid financial standing with consistent profitability and strong cash generation. While the balance sheet reveals increased leverage, the company maintains a robust equity base. The overall trajectory is positive, but careful management of operational efficiency and debt levels will be crucial for sustained growth and stability.

Income Statement

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

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

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.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	17.18M	16.73M	20.77M	18.79M	16.46M
Gross Profit	17.18M	16.50M	18.53M	18.79M	16.35M
EBITDA	4.44M	6.02M	9.31M	10.67M	8.50M
Net Income	4.31M	4.26M	6.55M	7.30M	5.60M
Balance Sheet
Total Assets	522.32M	498.68M	445.53M	417.66M	391.28M
Cash, Cash Equivalents and Short-Term Investments	10.21M	86.79M	83.39M	104.64M	94.38M
Total Debt	25.50M	47.25M	32.00M	14.00M	38.00M
Total Liabilities	474.05M	452.26M	32.00M	14.00M	38.00M
Stockholders Equity	48.28M	46.42M	43.13M	48.69M	45.55M
Cash Flow
Free Cash Flow	5.57M	5.24M	6.45M	6.94M	5.79M
Operating Cash Flow	6.54M	6.17M	7.23M	9.00M	6.47M
Investing Cash Flow	-21.25M	-51.88M	-50.00M	-26.93M	-33.68M
Financing Cash Flow	19.45M	47.30M	30.88M	19.00M	30.70M

Northeast Indiana Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 17.62 is above the 20-day moving average (MA) of 17.43, above the 50-day MA of 17.59, and above the 200-day MA of 17.57, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 52.52 is Neutral, neither overbought nor oversold. The STOCH value of 79.23 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	81 Outperform	$53.35M	3.40	15.30%	―	43.98%	37.57%
ASRV	74 Outperform	$50.88M	14.07	3.36%	3.87%	7.80%	―
HFBL	72 Outperform	$43.34M	12.42	6.24%	3.85%	-2.69%	-21.26%
NIDB	69 Neutral	$42.26M	9.07	9.71%	4.02%	12.83%	22.51%
Sector *	67 Neutral	$16.88B	11.72	9.79%	3.73%	11.85%	-7.72%
CLST	57 Neutral	$51.30M	22.29	2.70%	―	152.27%	―