NIDB

Northeast Indiana Bancorp, Inc.

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Price alert · NIDB

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24.74 USD 0.00 0.00%
As of Oct 30, 2026
24.73 Day range 24.74
19.55 52-week range 25.00
YTD
+17.81%
1 year
+23.70%
Open
24.73
Prev close
24.74
Mkt cap
58.14M
Vol
1.48K
Avg vol
452
EPS
2.99
P/E
8.27
More statistics
Low
24.73
High
24.74

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Financial health

Altman Z-Score

0.22 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 8.0×
FY 2016: 11.0×FY 2017: 12.4×FY 2018: 10.6×FY 2019: 10.2×FY 2020: 8.6×FY 2021: 7.7×FY 2022: 7.9×FY 2023: 10.1×FY 2024: 9.6×FY 2025: 8.0×
FY 2016 5y median 8.0× FY 2025
P/S 1.5×
FY 2016: 2.7×FY 2017: 2.8×FY 2018: 2.6×FY 2019: 2.5×FY 2020: 2.4×FY 2021: 2.7×FY 2022: 2.5×FY 2023: 1.6×FY 2024: 2.4×FY 2025: 1.5×
FY 2016 5y median 2.4× FY 2025
P/B 0.9×
FY 2016: 1.2×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 8.1×
FY 2016: 12.4×FY 2017: 22.7×FY 2018: 11.0×FY 2019: 10.9×FY 2020: 8.3×FY 2021: 8.1×FY 2022: 8.0×FY 2023: 8.2×FY 2024: 7.4×FY 2025: 8.1×
FY 2016 5y median 8.1× FY 2025
EV/EBITDA 10.6×
FY 2016: 10.9×FY 2017: 26.1×FY 2018: 16.1×FY 2019: 13.3×FY 2020: 8.9×FY 2021: 5.8×FY 2022: 8.4×FY 2023: 13.3×FY 2024: 12.0×FY 2025: 10.6×
FY 2016 5y median 10.6× FY 2025
EV/Sales 2.7×
FY 2016: 4.6×FY 2017: 10.4×FY 2018: 5.5×FY 2019: 4.7×FY 2020: 3.8×FY 2021: 2.9×FY 2022: 3.8×FY 2023: 2.9×FY 2024: 3.9×FY 2025: 2.7×
FY 2016 5y median 2.9× FY 2025
FCF Yield 12.4%
FY 2016: 8.1%FY 2017: 4.4%FY 2018: 9.1%FY 2019: 9.2%FY 2020: 12.0%FY 2021: 12.3%FY 2022: 12.5%FY 2023: 12.2%FY 2024: 13.5%FY 2025: 12.4%
FY 2016 5y median 12.4% FY 2025

Profitability

Gross Margin 59.8%
FY 2016: 88.4%FY 2017: 89.7%FY 2018: 80.4%FY 2019: 75.5%FY 2020: 82.0%FY 2021: 89.4%FY 2022: 89.3%FY 2023: 61.0%FY 2024: 100.0%FY 2025: 59.8%
FY 2016 5y median 89.3% FY 2025
Operating Margin 22.1%
FY 2016: 35.0%FY 2017: 34.7%FY 2018: 28.1%FY 2019: 28.2%FY 2020: 33.7%FY 2021: 42.6%FY 2022: 37.7%FY 2023: 17.6%FY 2024: 38.3%FY 2025: 22.1%
FY 2016 5y median 37.7% FY 2025
Net Margin 18.6%
FY 2016: 24.8%FY 2017: 22.9%FY 2018: 24.2%FY 2019: 24.1%FY 2020: 27.9%FY 2021: 34.7%FY 2022: 31.4%FY 2023: 15.6%FY 2024: 25.1%FY 2025: 18.6%
FY 2016 5y median 25.1% FY 2025
ROE 11.4%
FY 2016: 10.7%FY 2017: 9.6%FY 2018: 11.2%FY 2019: 11.4%FY 2020: 12.3%FY 2021: 15.0%FY 2022: 15.2%FY 2023: 9.2%FY 2024: 8.9%FY 2025: 11.4%
FY 2016 5y median 11.4% FY 2025
ROIC 5.1%
FY 2016: 4.7%FY 2017: 3.5%FY 2018: 2.4%FY 2019: 4.8%FY 2020: 6.1%FY 2021: 10.2%FY 2022: 8.7%FY 2023: 2.5%FY 2024: 6.7%FY 2025: 5.1%
FY 2016 5y median 6.7% FY 2025
ROA 1.1%
FY 2016: 1.2%FY 2017: 1.1%FY 2018: 1.2%FY 2019: 1.3%FY 2020: 1.4%FY 2021: 1.7%FY 2022: 1.5%FY 2023: 0.9%FY 2024: 0.8%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 95.8%
FY 2016: 1.1%FY 2017: 2.7%FY 2018: 15.8%FY 2019: 12.7%FY 2020: 3.4%FY 2021: 4.6%FY 2022: -0.5%FY 2023: 30.6%FY 2024: -37.0%FY 2025: 95.8%
FY 2016 FY 2025
Operating Income 12.7%
FY 2016: -2.9%FY 2017: 1.6%FY 2018: -6.2%FY 2019: 13.1%FY 2020: 23.4%FY 2021: 32.3%FY 2022: -12.0%FY 2023: -39.0%FY 2024: 37.2%FY 2025: 12.7%
FY 2016 FY 2025
EPS (diluted) 46.7%
FY 2016: -6.3%FY 2017: -5.3%FY 2018: 22.5%FY 2019: 12.6%FY 2020: 18.4%FY 2021: 31.0%FY 2022: -10.2%FY 2023: -35.2%FY 2024: 1.7%FY 2025: 46.7%
FY 2016 FY 2025
Free Cash Flow 11.1%
FY 2016: -25.2%FY 2017: -41.9%FY 2018: 117.1%FY 2019: 9.8%FY 2020: 30.8%FY 2021: 20.0%FY 2022: -7.1%FY 2023: -18.9%FY 2024: 6.4%FY 2025: 11.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 1.7×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 1.7×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.8×
FY 2016: 1.3×FY 2017: 3.4×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 0.5×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 4.7×
FY 2016: 4.4×FY 2017: 19.0×FY 2018: 8.6×FY 2019: 6.2×FY 2020: 3.2×FY 2021: 0.5×FY 2022: 2.9×FY 2023: 6.2×FY 2024: 4.7×FY 2025: 4.7×
FY 2016 5y median 4.7× FY 2025
Interest Coverage 0.6×
FY 2016: 3.0×FY 2017: 2.4×FY 2018: 1.5×FY 2019: 1.3×FY 2020: 2.2×FY 2021: 4.2×FY 2022: 3.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 4.1%FY 2017: 4.1%FY 2018: 4.7%FY 2019: 4.5%FY 2020: 5.3%FY 2021: 5.1%FY 2022: 5.8%FY 2023: 5.1%FY 2024: 4.1%FY 2025: 3.5%
FY 2016 5y median 5.1% FY 2025
Payout Ratio 28.0%
FY 2016: 45.6%FY 2017: 50.2%FY 2018: 50.1%FY 2019: 45.9%FY 2020: 45.4%FY 2021: 39.6%FY 2022: 45.6%FY 2023: 51.3%FY 2024: 39.0%FY 2025: 28.0%
FY 2016 5y median 39.6% FY 2025

Annual · latest fiscal year ends 2025-12-31