Northeast Indiana Bancorp, Inc. Logo

Northeast Indiana Bancorp, Inc.

NIDB

(2.2)
Stock Price

18,10 USD

0.84% ROA

8.62% ROE

9.63x PER

Market Cap.

41.598.657,00 USD

102.71% DER

5.44% Yield

14.58% NPM

Northeast Indiana Bancorp, Inc. Stock Analysis

Northeast Indiana Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Northeast Indiana Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROE

ROE in an average range (14.27%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.47%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 DER

The stock has a reasonable amount of debt compared to its ownership (74%), suggesting a balanced financial position and a moderate level of risk.

7 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

9 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Buffet Intrinsic Value

The company's stock appears overvalued (0) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Northeast Indiana Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Northeast Indiana Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Northeast Indiana Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Northeast Indiana Bancorp, Inc. Revenue
Year Revenue Growth
1995 4.700.000
1996 6.000.000 21.67%
1997 7.000.000 14.29%
1998 7.800.000 10.26%
1999 8.708.319 10.43%
2000 8.089.834 -7.65%
2001 8.019.075 -0.88%
2002 7.763.581 -3.29%
2003 7.588.796 -2.3%
2004 7.108.355 -6.76%
2005 7.852.000 9.47%
2006 7.331.241 -7.1%
2007 7.119.563 -2.97%
2008 6.926.887 -2.78%
2009 10.491.560 33.98%
2010 11.170.131 6.07%
2011 11.620.674 3.88%
2012 10.583.382 -9.8%
2013 11.418.843 7.32%
2014 12.523.069 8.82%
2015 13.021.468 3.83%
2016 12.811.649 -1.64%
2017 12.756.613 -0.43%
2018 13.893.327 8.18%
2019 14.934.540 6.97%
2020 16.926.338 11.77%
2021 18.789.323 9.92%
2022 18.529.006 -1.4%
2023 27.285.977 32.09%
2024 19.613.152 -39.12%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Northeast Indiana Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Northeast Indiana Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 1.300.000
1996 1.300.000 0%
1997 1.500.000 13.33%
1998 1.800.000 16.67%
1999 2.126.443 15.35%
2000 2.530.911 15.98%
2001 2.295.714 -10.25%
2002 2.600.923 11.73%
2003 2.607.819 0.26%
2004 3.106.407 16.05%
2005 0 0%
2006 3.144.594 100%
2007 3.195.714 1.6%
2008 3.074.071 -3.96%
2009 3.929.206 21.76%
2010 4.260.604 7.78%
2011 4.564.726 6.66%
2012 1.193.805 -282.37%
2013 4.681.744 74.5%
2014 5.081.645 7.87%
2015 5.390.565 5.73%
2016 5.150.538 -4.66%
2017 5.473.209 5.9%
2018 6.057.147 9.64%
2019 6.125.104 1.11%
2020 6.828.401 10.3%
2021 6.856.254 0.41%
2022 7.345.357 6.66%
2023 6.621.899 -10.93%
2024 2.273.200 -191.3%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Northeast Indiana Bancorp, Inc. EBITDA
Year EBITDA Growth
1995 7.400.000
1996 9.200.000 19.57%
1997 12.000.000 23.33%
1998 13.300.000 9.77%
1999 14.303.410 7.02%
2000 14.602.254 2.05%
2001 13.924.776 -4.87%
2002 10.622.116 -31.09%
2003 9.642.966 -10.15%
2004 7.948.165 -21.32%
2005 6.541.000 -21.51%
2006 10.311.276 36.56%
2007 9.343.419 -10.36%
2008 8.177.462 -14.26%
2009 8.784.605 6.91%
2010 7.717.621 -13.83%
2011 6.315.130 -22.21%
2012 -240.000 2731.3%
2013 5.963.975 104.02%
2014 6.476.014 7.91%
2015 7.516.510 13.84%
2016 7.751.967 3.04%
2017 8.180.708 5.24%
2018 9.052.469 9.63%
2019 6.778.829 -33.54%
2020 8.501.746 20.27%
2021 10.666.123 20.29%
2022 11.558.078 7.72%
2023 -205.500 5724.37%
2024 -352.000 41.62%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Northeast Indiana Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1995 4.700.000
1996 6.000.000 21.67%
1997 7.000.000 14.29%
1998 7.800.000 10.26%
1999 8.708.319 10.43%
2000 8.089.834 -7.65%
2001 8.019.075 -0.88%
2002 7.763.581 -3.29%
2003 7.588.796 -2.3%
2004 7.108.355 -6.76%
2005 7.852.000 9.47%
2006 7.331.241 -7.1%
2007 7.119.563 -2.97%
2008 6.926.887 -2.78%
2009 10.491.560 33.98%
2010 11.170.131 6.07%
2011 11.620.674 3.88%
2012 10.583.382 -9.8%
2013 11.418.843 7.32%
2014 12.523.069 8.82%
2015 13.021.468 3.83%
2016 12.811.649 -1.64%
2017 12.756.613 -0.43%
2018 13.893.327 8.18%
2019 14.934.540 6.97%
2020 16.926.338 11.77%
2021 18.789.323 9.92%
2022 18.529.006 -1.4%
2023 27.364.368 32.29%
2024 33.185.772 17.54%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Northeast Indiana Bancorp, Inc. Net Profit
Year Net Profit Growth
1995 1.300.000
1996 1.600.000 18.75%
1997 2.200.000 27.27%
1998 2.400.000 8.33%
1999 2.589.937 7.33%
2000 1.283.443 -101.8%
2001 1.969.377 34.83%
2002 1.589.896 -23.87%
2003 1.929.974 17.62%
2004 982.222 -96.49%
2005 258.000 -280.71%
2006 1.312.648 80.35%
2007 375.411 -249.66%
2008 242.067 -55.09%
2009 1.877.958 87.11%
2010 2.012.298 6.68%
2011 2.036.200 1.17%
2012 2.856.466 28.72%
2013 2.476.908 -15.32%
2014 3.127.784 20.81%
2015 3.829.278 18.32%
2016 3.594.448 -6.53%
2017 3.412.742 -5.32%
2018 4.166.857 18.1%
2019 4.685.494 11.07%
2020 5.599.622 16.32%
2021 7.297.127 23.26%
2022 6.552.596 -11.36%
2023 4.259.690 -53.83%
2024 6.374.112 33.17%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Northeast Indiana Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 0
1996 0 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 0 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 2 0%
2016 2 0%
2017 1 0%
2018 2 0%
2019 2 0%
2020 2 50%
2021 3 33.33%
2022 3 -50%
2023 2 -100%
2024 3 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Northeast Indiana Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1995 900.000
1996 2.800.000 67.86%
1997 1.800.000 -55.56%
1998 2.600.000 30.77%
1999 3.094.500 15.98%
2000 2.355.651 -31.36%
2001 1.388.541 -69.65%
2002 3.913.714 64.52%
2003 3.157.585 -23.95%
2004 2.387.198 -32.27%
2005 0 0%
2006 1.706.327 100%
2007 1.724.055 1.03%
2008 0 0%
2009 2.363.793 100%
2010 4.155.528 43.12%
2011 5.337.835 22.15%
2012 3.375.536 -58.13%
2013 6.555.549 48.51%
2014 3.660.015 -79.11%
2015 4.273.064 14.35%
2016 3.196.579 -33.68%
2017 1.856.695 -72.17%
2018 4.030.375 53.93%
2019 4.425.723 8.93%
2020 5.787.261 23.53%
2021 6.942.847 16.64%
2022 6.452.793 -7.59%
2023 4.794.711 -34.58%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Northeast Indiana Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1995 1.800.000
1996 2.800.000 35.71%
1997 1.900.000 -47.37%
1998 3.100.000 38.71%
1999 3.338.745 7.15%
2000 2.568.947 -29.97%
2001 1.699.141 -51.19%
2002 4.050.391 58.05%
2003 3.296.155 -22.88%
2004 2.720.807 -21.15%
2005 0 0%
2006 1.853.888 100%
2007 1.939.417 4.41%
2008 0 0%
2009 2.586.263 100%
2010 4.794.171 46.05%
2011 5.694.682 15.81%
2012 3.932.665 -44.8%
2013 6.774.527 41.95%
2014 4.014.862 -68.74%
2015 4.434.550 9.46%
2016 4.714.197 5.93%
2017 2.212.680 -113.05%
2018 4.162.894 46.85%
2019 5.748.159 27.58%
2020 6.472.353 11.19%
2021 9.004.957 28.12%
2022 7.225.629 -24.63%
2023 5.724.763 -26.22%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Northeast Indiana Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1995 900.000
1996 0 0%
1997 100.000 100%
1998 500.000 80%
1999 244.245 -104.71%
2000 213.296 -14.51%
2001 310.600 31.33%
2002 136.677 -127.25%
2003 138.570 1.37%
2004 333.609 58.46%
2005 0 0%
2006 147.561 100%
2007 215.362 31.48%
2008 0 0%
2009 222.470 100%
2010 638.643 65.17%
2011 356.847 -78.97%
2012 557.129 35.95%
2013 218.978 -154.42%
2014 354.847 38.29%
2015 161.486 -119.74%
2016 1.517.618 89.36%
2017 355.985 -326.32%
2018 132.519 -168.63%
2019 1.322.436 89.98%
2020 685.092 -93.03%
2021 2.062.110 66.78%
2022 772.836 -166.82%
2023 930.052 16.9%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Northeast Indiana Bancorp, Inc. Equity
Year Equity Growth
1995 31.000.000
1996 26.500.000 -16.98%
1997 27.300.000 2.93%
1998 25.000.000 -9.2%
1999 25.655.299 2.55%
2000 26.573.757 3.46%
2001 26.281.038 -1.11%
2002 26.562.485 1.06%
2003 27.194.560 2.32%
2004 26.046.533 -4.41%
2005 23.853.000 -9.2%
2006 24.191.405 1.4%
2007 23.027.017 -5.06%
2008 21.775.333 -5.75%
2009 22.964.759 5.18%
2010 24.025.149 4.41%
2011 26.035.171 7.72%
2012 27.829.154 6.45%
2013 27.699.844 -0.47%
2014 30.301.794 8.59%
2015 32.227.680 5.98%
2016 33.528.171 3.88%
2017 35.609.171 5.84%
2018 37.230.260 4.35%
2019 41.206.908 9.65%
2020 45.551.711 9.54%
2021 48.693.552 6.45%
2022 43.127.102 -12.91%
2023 46.420.390 7.09%
2024 47.219.981 1.69%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Northeast Indiana Bancorp, Inc. Assets
Year Assets Growth
1995 137.600.000
1996 169.500.000 18.82%
1997 199.400.000 14.99%
1998 212.400.000 6.12%
1999 254.746.818 16.62%
2000 247.094.302 -3.1%
2001 238.394.529 -3.65%
2002 225.018.915 -5.94%
2003 227.394.532 1.04%
2004 228.672.223 0.56%
2005 232.838.000 1.79%
2006 230.002.268 -1.23%
2007 245.793.006 6.42%
2008 260.239.522 5.55%
2009 252.724.340 -2.97%
2010 256.101.440 1.32%
2011 261.523.750 2.07%
2012 271.403.054 3.64%
2013 268.626.431 -1.03%
2014 276.212.455 2.75%
2015 284.171.236 2.8%
2016 300.985.456 5.59%
2017 314.175.805 4.2%
2018 334.210.714 5.99%
2019 353.923.626 5.57%
2020 391.277.150 9.55%
2021 417.656.863 6.32%
2022 445.527.594 6.26%
2023 499.208.902 10.75%
2024 511.360.148 2.38%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Northeast Indiana Bancorp, Inc. Liabilities
Year Liabilities Growth
1995 106.600.000
1996 143.000.000 25.45%
1997 172.100.000 16.91%
1998 187.400.000 8.16%
1999 84.753.919 -121.11%
2000 72.538.670 -16.84%
2001 73.966.411 1.93%
2002 198.456.430 62.73%
2003 200.199.972 0.87%
2004 202.625.690 1.2%
2005 208.985.000 3.04%
2006 205.810.863 -1.54%
2007 222.765.989 7.61%
2008 238.464.189 6.58%
2009 229.759.581 -3.79%
2010 232.076.291 1%
2011 235.488.579 1.45%
2012 243.573.900 3.32%
2013 240.926.587 -1.1%
2014 245.910.661 2.03%
2015 251.943.556 2.39%
2016 267.457.285 5.8%
2017 278.566.634 3.99%
2018 296.980.454 6.2%
2019 57.237.450 -418.86%
2020 38.000.000 -50.62%
2021 14.000.000 -171.43%
2022 32.000.000 56.25%
2023 452.788.512 92.93%
2024 464.140.167 2.45%

Northeast Indiana Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.13
Net Income per Share
1.78
Price to Earning Ratio
9.63x
Price To Sales Ratio
1.55x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.87
EV to Sales
3
EV Over EBITDA
-307.77
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.1
FreeCashFlow Yield
0
Market Cap
0,04 Bil.
Enterprise Value
0,08 Bil.
Graham Number
27.96
Graham NetNet
-188.32

Income Statement Metrics

Net Income per Share
1.78
Income Quality
0
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.9
EBT Per Ebit
0.88
Ebit per Revenue
0.18
Effective Tax Rate
0.1

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.12
Operating Profit Margin
0.18
Pretax Profit Margin
0.16
Net Profit Margin
0.15

Dividends

Dividend Yield
0.05
Dividend Yield %
5.44
Payout Ratio
0
Dividend Per Share
0.93

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
3,92
Book Value per Share
19,56
Tangible Book Value per Share
19.56
Shareholders Equity per Share
19.56
Interest Debt per Share
20.09
Debt to Equity
1.03
Debt to Assets
0.09
Net Debt to EBITDA
-149
Current Ratio
2.85
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-0,45 Bil.
Invested Capital
14141006
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.17

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Northeast Indiana Bancorp, Inc. Dividends
Year Dividends Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 2 0%
2019 2 0%
2020 2 50%
2021 2 0%
2022 2 0%
2023 1 -100%
2024 1 0%

Northeast Indiana Bancorp, Inc. Profile

About Northeast Indiana Bancorp, Inc.

Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking and financial advisory services. The company offers various personal products, including checking accounts, savings accounts, retirement accounts, health savings accounts, and direct deposits, as well as certificates of deposit. Its loan portfolio comprises mortgage loans, such as home purchases, refinances, new construction loans, and home equity/home improvement loans; installment loans consisting of auto loans, personal loans, short term notes, and savings account loans, as well as RV, ATV, and boat loans; and commercial loans, including lines of credit, letters of credit, equipment financing, and construction loans, as well as revolving line of credit, term loans, real estate loans, and small business administration loans. The company also offers debit and credit cards, safe deposit boxes, online banking services, merchant services, and cash management services, as well as treasury management and merchant deposit capture services. In addition, it provides various financial services to individual and corporate clients, including brokerage accounts, retail funds, and wealth management products, as well as insurance products and retirement plans. As of January 28, 2022, the company operated five full-service offices in Huntington; 2 offices in Warsaw; and 2 offices in Fort Wayne, Indiana. Northeast Indiana Bancorp, Inc. was incorporated in 1995 and is headquartered in Huntington, Indiana.

CEO
Mr. Michael S. Zahn
Employee
58
Address
648 North Jefferson Street
Huntington, 46750

Northeast Indiana Bancorp, Inc. Executives & BODs

Northeast Indiana Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Travis A. Penrod CPA
Senior Vice President & Chief Financial Officer
70
2 Ms. Cindy L. Krumanaker
Senior Vice President, Secretary & Chief Operating Officer
70
3 Mr. Michael S. Zahn
Chief Executive Officer, President & Director
70

Northeast Indiana Bancorp, Inc. Competitors