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Northeast Indiana Bancorp (NIDB) Stock Price & Analysis

37 Followers

NIDB Stock Chart & Stats

$24.80$0.00(0.00%)
At close: 4:00 PM EST
$24$24.5$25Aug 7Aug 24Sep 8Sep 21Oct 7Oct 19Nov 4
Day’s Range
$24.59 - $25.00
52-Week Range
$19.55 - $25.58
Previous Close
$24.80
Volume
N/A
Average Volume (3M)
367
Market Cap
$59.45M
Enterprise Value
$75.39M
Total Cash (Recent Filing)
$11.86M
Total Debt (Recent Filing)
$30.50M
Price to Earnings (P/E)
8.0
Beta
-0.02
Next Earnings
Feb 04, 2027 (Est.)
EPS Estimate
N/A
Next Dividend Ex-Date
Nov 12, 2026
Dividend Yield
3.07%

Bulls Say, Bears Say

Bulls Say

Improving Earnings Momentum

The strong 2025 revenue rebound and return to higher net income indicate improving operating momentum after a weaker period. If this recovery persists, it can strengthen internal capital generation, support continued lending activity, and improve the bank’s earnings foundation over the next several quarters.

Consistent Cash Generation

Positive free cash flow across all reported years and substantial conversion of earnings into cash provide evidence of a functioning, self-funding banking operation. This supports balance-sheet growth, dividend capacity, and resilience by reducing reliance on external capital to fund normal activities.

Stronger Capital Base

Growth in equity alongside assets gives the bank a broader capital base to support expansion, while lower leverage than in 2023 improves financial flexibility. Although leverage is not at its historical low, the direction of improvement strengthens the balance sheet’s ability to absorb business fluctuations.

Bears Say

Margin Compression

The substantial reduction in net and operating margins from 2021–2022 shows that stronger revenue does not automatically produce the earlier level of profitability. Persistently lower margins could limit earnings growth, reduce retained capital generation, and make results more sensitive to changes in banking economics.

Volatile Revenue Trend

The sharp swings in annual revenue indicate an uneven growth pattern rather than a consistently expanding trajectory. Such volatility makes forward earnings less predictable, complicates balance-sheet planning, and could reduce the bank’s ability to sustain investment and capital distribution through changing operating conditions.

Leverage And Return Below Prior Peaks

Although leverage and ROE improved, both remain weaker than the bank’s stronger 2021–2022 profile. This suggests capital is producing less shareholder return than in the earlier period while balance-sheet obligations remain comparatively higher, potentially constraining flexibility and earnings quality.

Northeast Indiana Bancorp News

NIDB FAQ

What was Northeast Indiana Bancorp’s price range in the past 12 months?
Northeast Indiana Bancorp lowest stock price was $19.55 and its highest was $25.58 in the past 12 months.
What is Northeast Indiana Bancorp’s market cap?
Northeast Indiana Bancorp’s market cap is $59.45M.
When is Northeast Indiana Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Northeast Indiana Bancorp’s earnings last quarter?
Northeast Indiana Bancorp released its earnings results on Oct 28, 2026. The company reported $0.852 earnings per share for the quarter.
Is Northeast Indiana Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Northeast Indiana Bancorp pay dividends?
Northeast Indiana Bancorp pays a Quarterly dividend of $0.2 which represents an annual dividend yield of 3.07%. See more information on Northeast Indiana Bancorp dividends here
What is Northeast Indiana Bancorp’s EPS estimate?
Northeast Indiana Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Northeast Indiana Bancorp have?
Northeast Indiana Bancorp has 2,397,496 shares outstanding.
What happened to Northeast Indiana Bancorp’s price movement after its last earnings report?
Northeast Indiana Bancorp reported an EPS of $0.852 in its last earnings report. Following the earnings report the stock price went down -0.163%.
Which hedge fund is a major shareholder of Northeast Indiana Bancorp?
Currently, no hedge funds are holding shares in NIDB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology