Katahdin Bankshares (KTHN) AI Stock Analysis

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Katahdin Bankshares

(Other OTC:KTHN)

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Rating:75Outperform

Price Target:$46.00▲(14.81% Upside)

Action:reiterated

Date:11/07/26

Solid financial performance with revenue growth and balance sheet stability is the primary driver, supported by bullish technical indicators and attractive valuation.

Positive Factors

Healthy ProfitabilityStrong net and EBIT margins indicate that Katahdin Trust is converting banking revenue into meaningful operating and bottom-line earnings. This profitability provides internal capacity to support lending, absorb normal cost pressures, and maintain financial resilience over the next several quarters.

Negative Factors

Revenue VolatilityThe sharp reversal in revenue performance shows that Katahdin’s top line can vary materially between periods. Such volatility makes forward earnings less predictable and may complicate planning for loan growth, staffing, investments, and shareholder distributions over the medium term.

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

Strong revenue growth of 13.4% in 2025 to $62.01M, solid net margins, stable balance sheet with equity growth and lower debt-to-equity at 0.29, and good cash conversion, offset by inconsistent growth trends.

Income Statement

75Positive

Balance Sheet

70Positive

Cash Flow

68Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price40.06

Price Trends

50DMA38.18Positive

100DMA36.86Positive

200DMA34.44Positive

Market Momentum

MACD0.62Positive

RSI58.39Neutral

STOCH65.33Neutral

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

UnderperformOutperform

Sector (68)

Financial Indicators

KTHN against its peers
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	75Outperform	$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

KTHN and its peers over the selected period
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%

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.

Date of analysis: Nov 07, 2026

Katahdin Bankshares AI Stock Analysis