Katahdin Bankshares AI Stock Analysis
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Katahdin Bankshares (KTHN) AI Stock Analysis
Katahdin Bankshares
(Other OTC:KTHN)
The overall score of 74 reflects a financially stable regional bank with an attractive valuation and strong technical momentum. The primary strengths are a robust balance sheet with low debt and a low P/E ratio supported by a healthy dividend yield. The stock's price trend is firmly bullish. The main factor limiting a higher score is the income statement's volatility and declining profit margins, which introduce some uncertainty about future earnings consistency.
Katahdin Bankshares (KTHN) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $128.15M
- Dividend Yield
- 2.23%
- Average Volume (3M)
- 1,117
- Price to Earnings (P/E)
- 11.3
- Beta (1Y)
- 0.28
- Revenue Growth
- 5.98%
- EPS Growth
- 21.58%
- Country
- US
- Employees
- 182
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 depos...
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, while incurring operating and funding costs typical of a community bank. 1) Net interest income (core e...
Katahdin Bankshares Financial Statement Overview
Summary
Solid balance sheet (Score 78) with low leverage and growing equity, combined with healthy cash flow generation (Score 75) that exceeds net income. These strengths are partially offset by an income statement (Score 58) showing volatile revenue growth and declining profit margins. Overall financial stability is good, but margin pressure warrants caution.
Income Statement
58NeutralBalance Sheet
78PositiveCash Flow
75Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 64.62M | 62.01M | 38.35M | 51.21M | 40.95M | 39.83M |
| Gross Profit | 45.78M | 44.32M | 38.35M | 39.07M | 37.28M | 35.63M |
| EBITDA | 13.91M | 13.18M | 11.04M | 13.26M | 12.96M | 12.66M |
| Net Income | 11.32M | 10.70M | 8.06M | 9.91M | 9.72M | 9.47M |
Balance Sheet | ||||||
| Total Assets | 1.18B | 1.12B | 1.08B | 1.03B | 983.54M | 940.50M |
| Cash, Cash Equivalents and Short-Term Investments | 26.49M | 37.20M | 50.90M | 181.27M | 177.32M | 173.44M |
| Total Debt | 26.91M | 30.00M | 34.70M | 31.53M | 22.98M | 22.91M |
| Total Liabilities | 1.08B | 1.02B | 988.52M | 946.44M | 903.87M | 856.89M |
| Stockholders Equity | 104.08M | 103.63M | 91.80M | 87.81M | 79.66M | 83.60M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 11.22M | 8.83M | 9.97M | 8.11M | 10.85M |
| Operating Cash Flow | 0 | 12.40M | 10.22M | 11.10M | 11.54M | 11.64M |
| Investing Cash Flow | 0 | -54.02M | -24.61M | -55.56M | -78.17M | -3.17M |
| Financing Cash Flow | 0 | 27.91M | 38.76M | 40.48M | 34.22M | -2.50M |
Katahdin Bankshares Technical Analysis
Price Trends
Market Momentum
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 40.06 is above the 20-day moving average (MA) of 39.74, above the 50-day MA of 38.18, and above the 200-day MA of 34.44, indicating a bullish trend. The MACD of 0.62 indicates Positive momentum. The RSI at 58.39 is Neutral, neither overbought nor oversold. The STOCH value of 65.33 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
Overall Rating
LSBK79Outperform- KTHN74Outperform
AUBN73Outperform
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 79Outperform | $145.26M | 16.65 | 5.85% | 1.90% | 4.31% | 24.65% |
| KTHN | 74Outperform | $127.04M | 11.32 | 10.84% | 2.23% | 5.98% | 21.58% |
| AUBN | 73Outperform | $90.20M | 10.24 | 9.42% | 4.17% | 4.68% | 21.56% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $104.04M | -41.47 | 0.08% | 2.43% | -6.61% | -78.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KTHN | Katahdin Bankshares Corp | 40.06 | 14.28 | 55.41% | |
| AUBN | Auburn National Bancorporation | 25.93 | 1.78 | 7.38% | |
| LSBK | Lake Shore Bancorp | 18.99 | 5.05 | 36.28% | |
| PBHC | Pathfinder | 16.70 | 2.24 | 15.49% |
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.
Date of analysis: Nov 07, 2026