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Katahdin Bankshares
(OTC:KTHN)
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Rating:78Outperform
Price Target:
$41.00
â–²(16.48% Upside)
Action:Reiterated
Date:08/06/26
Overall score reflects solid financial performance (healthy margins, improving leverage, and strong cash conversion) combined with a clearly positive price trend and supportive momentum signals. A low P/E and decent dividend yield further strengthen the setup, while historical revenue/margin variability remains the primary risk tempering the score.
Positive Factors
Healthy Profitability
Strong operating and net margins provide an earnings cushion for a community bank, supporting internal capital generation and the ability to absorb moderate changes in funding costs, credit provisions, or operating expenses.
Negative Factors
Revenue Volatility
The sharp year-to-year revenue swing indicates sensitivity to interest-rate conditions, loan demand, deposit costs, and customer activity. Such volatility makes forward earnings less predictable and can complicate planning for lending growth and expenses.
Read all positive and negative factors
Positive Factors
Negative Factors
Healthy Profitability
Strong operating and net margins provide an earnings cushion for a community bank, supporting internal capital generation and the ability to absorb moderate changes in funding costs, credit provisions, or operating expenses.
Read all positive factors
Katahdin Bankshares (KTHN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$125.09M
Dividend Yield2.37%
Average Volume (3M)265.00
Price to Earnings (P/E)11.0
Beta (1Y)0.26
Revenue Growth5.03%
EPS Growth20.11%
CountryUS
Employees182
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.37
Shares Outstanding3,401,000
10 Day Avg. Volume200
30 Day Avg. Volume265
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.89
Price to Sales (P/S)1.48
P/FCF Ratio8.20
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Katahdin Bankshares Business Overview & Revenue Model
Company Description
Katahdin Bankshares Corp. operates as the bank holding company for Katahdin Trust Company, a state-chartered commercial bank that provides various commercial and retail banking services for individuals and businesses in Maine. It offers various de...
How the Company Makes Money
Katahdin Bankshares primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on interest-earning assets—mainly loans to...
Katahdin Bankshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 63.24M | 62.01M | 38.35M | 51.21M | 40.95M | 39.83M |
| Gross Profit | 44.49M | 44.32M | 38.35M | 39.07M | 37.28M | 35.63M |
| EBITDA | 13.12M | 13.18M | 11.04M | 13.26M | 12.96M | 12.66M |
| Net Income | 10.70M | 10.70M | 8.06M | 9.91M | 9.72M | 9.47M |
Balance Sheet | ||||||
| Total Assets | 1.16B | 1.12B | 1.08B | 1.03B | 983.54M | 940.50M |
| Cash, Cash Equivalents and Short-Term Investments | 20.10M | 37.20M | 50.90M | 181.27M | 177.32M | 173.44M |
| Total Debt | 63.50M | 30.00M | 34.70M | 31.53M | 22.98M | 22.91M |
| Total Liabilities | 1.05B | 1.02B | 988.52M | 946.44M | 903.87M | 856.89M |
| Stockholders Equity | 105.65M | 103.63M | 91.80M | 87.81M | 79.66M | 83.60M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 11.22M | 8.83M | 9.97M | 8.11M | 10.85M |
| Operating Cash Flow | 0.00 | 12.40M | 10.22M | 11.10M | 11.54M | 11.64M |
| Investing Cash Flow | 0.00 | -54.02M | -24.61M | -55.56M | -78.17M | -3.17M |
| Financing Cash Flow | 0.00 | 27.91M | 38.76M | 40.48M | 34.22M | -2.50M |
Katahdin Bankshares Technical Analysis
Positive
35.20
Price Trends
35.63
Positive
34.09
Positive
31.78
Positive
Market Momentum
0.39
Positive
56.10
Neutral
75.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KTHN, the sentiment is Positive. The current price of 35.2 is below the 20-day moving average (MA) of 36.53, below the 50-day MA of 35.63, and above the 200-day MA of 31.78, indicating a bullish trend. The MACD of 0.39 indicates Positive momentum. The RSI at 56.10 is Neutral, neither overbought nor oversold. The STOCH value of 75.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KTHN.
Katahdin Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $125.09M | 10.98 | 10.84% | 2.46% | 5.03% | 20.11% | |
77 Outperform | $92.72M | 10.92 | 9.10% | 4.06% | 4.58% | 26.05% | |
76 Outperform | $135.09M | 15.33 | 6.50% | 2.09% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $103.60M | -25.79 | -1.08% | 2.50% | -7.07% | -307.72% |
* Financial Sector Average
KTHN
Katahdin Bankshares
36.56
11.18
44.05%
AUBN
Auburn National Bancorporation
26.32
1.59
6.41%
LSBK
Lake Shore Bancorp
17.17
4.04
30.77%
PBHC
Pathfinder Bancorp
16.32
1.80
12.40%
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.