Northeast Indiana Bancorp Inc (NIDB)
OTHER OTC:NIDB
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Northeast Indiana Bancorp
(OTC:NIDB)
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Rating:75Outperform
Price Target:
$26.00
▲(23.46% Upside)
Action:Reiterated
Date:04/04/26
The score is driven primarily by improving 2025 financial performance with solid cash generation, plus a notably attractive valuation (low P/E and meaningful dividend yield). Technicals add moderate support with a positive longer-term trend but neutral momentum signals.
Positive Factors
Consistent cash generation
Free 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.
Negative Factors
Sustained margin compression
Net 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent cash generation
Free 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.
Read all positive factors
Northeast Indiana Bancorp (NIDB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$58.40M
Dividend Yield3.54%
Average Volume (3M)732.00
Price to Earnings (P/E)8.3
Beta (1Y)-0.02
Revenue Growth5.44%
EPS Growth48.01%
CountryUS
Employees58
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.98
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 Cap1.64
Enterprise Value/Revenue3.87
Enterprise Value/Gross Profit5.44
Enterprise Value/Ebitda17.98
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
Northeast Indiana Bancorp Business Overview & Revenue Model
Company Description
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 a...
How the Company Makes Money
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Northeast Indiana Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.83M | 33.64M | 17.18M | 27.29M | 20.90M | 21.00M |
| Gross Profit | 17.66M | 20.10M | 17.18M | 16.65M | 18.65M | 18.77M |
| EBITDA | 5.34M | 7.42M | 5.65M | 6.02M | 9.31M | 10.67M |
| Net Income | 4.69M | 6.27M | 4.31M | 4.26M | 6.55M | 7.30M |
Balance Sheet | ||||||
| Total Assets | 556.84M | 559.33M | 522.32M | 498.68M | 445.53M | 417.66M |
| Cash, Cash Equivalents and Short-Term Investments | 90.00M | 3.89M | 89.27M | 86.79M | 83.39M | 104.64M |
| Total Debt | 47.00M | 44.40M | 41.00M | 47.25M | 32.00M | 23.00M |
| Total Liabilities | 506.44M | 504.42M | 474.05M | 452.26M | 402.40M | 368.96M |
| Stockholders Equity | 50.40M | 54.92M | 48.28M | 46.42M | 43.13M | 48.69M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.19M | 5.57M | 5.24M | 6.45M | 6.94M |
| Operating Cash Flow | 0.00 | 7.38M | 6.54M | 6.17M | 7.23M | 9.00M |
| Investing Cash Flow | 0.00 | -38.51M | -21.25M | -51.88M | -50.00M | -26.93M |
| Financing Cash Flow | 0.00 | 28.00M | 19.45M | 47.30M | 30.88M | 19.00M |
Northeast Indiana Bancorp Technical Analysis
Positive
21.06
Price Trends
22.64
Positive
22.10
Positive
20.74
Positive
Market Momentum
0.34
Negative
77.31
Negative
89.39
Negative
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 21.06 is below the 20-day moving average (MA) of 22.97, below the 50-day MA of 22.64, and above the 200-day MA of 20.74, indicating a bullish trend. The MACD of 0.34 indicates Negative momentum. The RSI at 77.31 is Negative, neither overbought nor oversold. The STOCH value of 89.39 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NIDB.
Northeast Indiana Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $58.08M | 8.86 | 9.28% | 3.21% | 5.66% | 79.41% | |
77 Outperform | $67.72M | 3.27 | 14.63% | ― | 15.64% | 5.72% | |
75 Outperform | $58.40M | 8.25 | 12.70% | 3.54% | 5.44% | 48.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $66.33M | 8.54 | 4.93% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $47.06M | 15.11 | 5.34% | 1.10% | 3.83% | 59.54% |
* Financial Sector Average
NIDB
Northeast Indiana Bancorp
24.50
7.26
42.08%
ASRV
Ameriserv Financial
3.93
1.41
55.64%
HFBL
Home Federal Bancorp Of Louisiana
19.02
6.45
51.28%
OPHC
Optimumbank Holdings
5.53
1.10
24.83%
TCBS
Texas Community
16.75
1.39
9.06%
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.