NBN

AI Memo

Northeast Bank

As of 2026-01-27/Confidence medium/Horizon 3m

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Data freshness

AI Memo

As of 2026-01-27 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

—

Confidence

medium

Horizon

Key catalyst

Analyst target revisions / consensus update • 2026-03-31

Base target: $104 / p=60% prob

Biggest risk

Deposit pressure or rising loan losses force higher provisions and NIM compression, pushing consensus toward the analyst low ($84.19) and valuing the stock below the current price.

Invalidation

Break below $84 or thesis failure.

What would change my mind?

Durable NIM expansion, stable deposits, and improving credit drive re‑rating toward the analyst high ($133), producing measurable upside versus the current price.

Research note

Recommendation

—

Confidence

medium

As of

2026-01-27

Base target

$104

p=60%

Bull target

$133

p=20%

Bear target

$84

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Quarterly earnings release (Q4 2025)
Interest-rate / NIM normalization and loan-loss trends
Durable NIM expansion, stable deposits, and improving credit drive re‑rating toward the analyst high ($133), producing measurable upside versus the current price.

BearKey bullets

Analyst downgrades or adverse regulatory actions
Deposit outflows or rising funding costs
Net interest margin compression if short-term rates decline

WatchKey bullets

Analyst target revisions / consensus update

Summary

High-level snapshot

Recommendation

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $104 (p=60%)

Target spread vs base: +28% / -19%

Scenario probabilities

Bull Target: $133 (p=20%)Base Target: $104 (p=60%)Bear Target: $84 (p=20%)

Commentary

Consensus is cautious: the median analyst target ($104.28) sits below the current anchor ($114.25), implying limited near-term upside. Target dispersion ($84–$133) shows outcome-driven views; coverage is thin, so single-event revisions can move the stock materially. Tone is neutral-to-cautious, which supports a Hold stance given balanced upside/downside risks.

As of 2026-01-27 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Durable NIM expansion, stable deposits, and improving credit drive re‑rating toward the analyst high ($133), producing measurable upside versus the current price.

Bear Case

Deposit pressure or rising loan losses force higher provisions and NIM compression, pushing consensus toward the analyst low ($84.19) and valuing the stock below the current price.

Drivers

Scannable catalysts and supporting factors

Quarterly earnings release (Q4 2025)
Interest-rate / NIM normalization and loan-loss trends

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-01-27Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$104.28

Range (USD)

$84.19 - $133.00

Count

Query: Northeast Bank Common (NBN) analyst consensus price target high low average

Northeast Bancorp (NBN) Price Targets - Zacks Investment Research
Search result #1
The forecasts range from a low of $102.00 to a high of $133.00. The average price target represents a decline of 2.29% from the last closing price of $120.25.
Extracted: $102.00, $133.00, $120.25Open source
NORTHEAST BANK(NASDAQ:NBN) stock Analyst Ratings - Chartmill
Search result #2
Analysts have set a mean price target forecast of 119.85. This target is 13.06% above the current price. NBN was analyzed by 6 analysts ...
Open source
Northeast Bancorp (NBN) Stock Forecast and Price Target 2026
Search result #3
According to the 2 analysts' twelve-month price targets for Northeast Bancorp, the average price target is $102.00. The highest price target for NBN is $102.00, ...
Extracted: $102.00Open source
Northeast Bank Analyst Estimates - NBN - MarketWatch
Search result #4
12.00. Median PE on Next FY Estimate, N/A. Stock Price Targets. High, $133.00. Median, $117.50. Low, $102.00. Average, $117.50. Current Price, $120.25. Yearly ...
Extracted: $133.00, $117.50, $102.00, $120.25Open source
Northeast Bank (NBN) Analyst Ratings, Estimates & Forecasts
Search result #5
See Northeast Bank (NBN) stock analyst estimates, including earnings and revenue, EPS, upgrades and downgrades.
Open source
Northeast Bancorp (NBN) Stock Forecast: Analyst Ratings ...
Search result #6
1 analysts have given Northeast Bancorp (NBN) a consensus rating of Hold while the Northeast Bancorp (NBN) price prediction in 2026 is $102.
Extracted: $102.00Open source

Scenarios

Bull Target (Scenario probability)

$133 / p=20% prob

Base Target (Scenario probability)

$104 / p=60% prob

Bear Target (Scenario probability)

$84 / p=20% prob

Analysis 2026-01-27 · RankAlpha Sentiment AI

Analysis reference price unavailable. Targets are shown without scenario returns.

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-03-31
Analyst target revisions / consensus update
Periodic analyst revisions (consensus median and high/low have shifted in recent snippets) can trigger directional moves as coverage updates flow through models [#SERP-4][#SERP-1]. Using 2026-03-31 as end of typical revision window for planning.
Prob 25.00% • Move 8.00% • Priced-in 40.00%

Short-term Catalysts

Next few weeks

Quarterly earnings release (Q4 2025)
2026-04-27
Q4 earnings and updated credit metrics may drive a near-term re-rating; analyst 12-month targets show a $102–$133 range which could amplify moves on beats/misses [#SERP-1]. Assumed announcement by 2026-04-27 (conservative estimate).
Prob 35% • Move 6% • Priced-in 50%

Long-term Catalysts

Months to a year

Interest-rate / NIM normalization and loan-loss trends
2027-01-27
Longer-term direction tied to net interest margin and asset-quality cycles; macro rate path and regional loan performance will materially affect valuation over the next year [#SERP-8]. Conservative timing set to 2027-01-27 (12-month horizon).
Prob 40% • Move 12% • Priced-in 30%

Risks

Analyst downgrades or adverse regulatory actions
Deposit outflows or rising funding costs
Net interest margin compression if short-term rates decline
Rising loan defaults in commercial/CRE portfolios

Peers

Symbol	Summary
FULT	Regional commercial lender with similar community-banking focus and sensitivity to local loan credit cycles.
PNC	Larger regional bank; useful benchmark for funding-cost and NIM trends that can scale to smaller peers.
MTB	Regional franchise with conservative balance-sheet positioning; comparable for deposit and lending dynamics.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: Northeast Bank Common (NBN) analyst consensus price target high low average
Analysis date: 2026-01-27

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Symbol

Summary

FULT

Regional commercial lender with similar community-banking focus and sensitivity to local loan credit cycles.

PNC

Larger regional bank; useful benchmark for funding-cost and NIM trends that can scale to smaller peers.

MTB

Regional franchise with conservative balance-sheet positioning; comparable for deposit and lending dynamics.