Northeast Indiana Bancorp (NIDB) AI Stock Analysis

• Market Cap: $54.34M
• Dividend Yield: 3.54%
• Average Volume (3M): 732.00
• Price to Earnings (P/E): 7.9
• Beta (1Y): -0.04
• Revenue Growth: 5.28%
• EPS Growth: 35.37%
• Country: US
• Employees: 58
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 2,397,496
• 10 Day Avg. Volume: 292
• 30 Day Avg. Volume: 732
• PEG Ratio: 0.17
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 1.48
• P/FCF Ratio: 8.05
• Enterprise Value/Market Cap: 1.74
• Enterprise Value/Revenue: 3.80
• Enterprise Value/Gross Profit: 5.34
• Enterprise Value/Ebitda: 17.65
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $26.00 ▲(23.46% Upside)
• Action: Reiterated Date: 04/04/26
• Date: Action: Reiterated 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.

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...

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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

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

• Technical Analysis Sentiment: Positive
• Last Price: 21.06
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 21.06 is below the 20-day moving average (MA) of 22.56, below the 50-day MA of 22.25, and above the 200-day MA of 19.96, indicating a bullish trend. The MACD of 0.09 indicates Positive momentum. The RSI at 53.95 is Neutral, neither overbought nor oversold. The STOCH value of 42.58 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
HFBL	78 Outperform	$53.81M	8.12	9.28%	3.21%	0.32%	37.93%
OPHC	78 Outperform	$61.20M	3.00	14.54%	―	14.91%	0.81%
NIDB	75 Outperform	$54.34M	7.95	12.06%	3.54%	5.28%	35.37%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	64 Neutral	$62.94M	9.39	4.93%	3.87%	6.89%	―
TCBS	64 Neutral	$51.94M	17.24	4.77%	1.10%	12.12%	―