Monitor the earnings call for commentary on net interest margin trajectory and SBA loan sale outlook. The revenue miss relative to consensus may cap upside despite the strong EPS beat, as the mixed surprise pattern historically dampens post-earnings drift.
Price Chart
Executive Summary
Northeast Bank reported Q4 2026 diluted EPS of $4.05, beating the $3.40 consensus by 19.1%, driven by record loan origination volume and higher transactional income. However, total revenue (net interest income plus noninterest income) of $65.2M missed the $67.2M consensus by 2.9%, primarily due to lower SBA loan sale gains. The mixed surprise signals suggest a neutral near-term reaction.
Key Financial Metrics
Key Facts
- EPS of $4.05 beat consensus of $3.40 by 19.1%
- Revenue of $65.2M missed consensus of $67.2M by 2.9%
- Net income of $34.3M increased 36.2% YoY
- Total loans grew 21.2% YoY to $4.59B
- Net interest margin compressed to 4.80% from 5.10% a year ago
- Nonperforming assets improved to 0.67% of total assets from 0.83%
- Quarterly loan origination volume of $389.8M, including record $257.3M in National Lending originated loans
Financial Impact
EPS beat 19.1% but revenue miss 2.9%; net income up 36.2% YoY; loan growth 21.2% YoY
Risk Factors
- Net interest margin compression from rising funding costs on FHLB advances and brokered deposits
- Lower SBA loan sale gains could pressure noninterest income in future quarters
- Concentration in commercial real estate loans (485% of total capital) exposes the bank to sector downturns
Market Snapshot
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3333426 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | Press Release | $129.05 | awaiting T+60 | — | $131.32 (+1.76%) |
Oct 20, 2026 6d ago | Press Release | $127.43 | awaiting T+60 | — | $131.32 (+3.05%) |
Jul 27, 2026 13w ago | Press Release | $133.11 $124.75 | ▼ −6.28% | ▼ −9.99% | $131.32 (−1.34%) |
Jul 16, 2026 14w ago | Press Release | $136.31 $125.99 | ▼ −7.57% | ▼ −11.28% | $131.32 (−3.66%) |
Jun 11, 2026 19w ago | Institutional Cluster | $128.69 $132.86 | ▲ +3.24% | ▼ −1.16% | $131.32 (+2.04%) |
Apr 21, 2026 26w ago | Press Release | $122.35 $136.31 | ▲ +11.41% | ▲ +4.51% | $131.32 (+7.33%) |
Feb 28, 2026 34w ago | Institutional Cluster | $112.94 $126.64 | ▲ +12.13% | ▲ +2.80% | $131.32 (+16.27%) |
US Market Status
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