WallStSmart

Northeast Bancorp (NBN)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 35136% more annual revenue ($81.14B vs $230.26M). NBN leads profitability with a 42.7% profit margin vs 26.7%. WFC appears more attractively valued with a PEG of 1.45. WFC earns a higher WallStSmart Score of 74/100 (B).

NBN

Strong Buy

73

out of 100

Grade: B

Growth: 10.0Profit: 8.0Value: 5.7Quality: 5.0

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.43

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NBN6 strengths · Avg: 9.7/10
P/E RatioValuation
12.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
42.7%10/10

Keeps 43 of every $100 in revenue as profit

Operating MarginProfitability
65.5%10/10

Strong operational efficiency at 65.5%

Revenue GrowthGrowth
34.6%10/10

Revenue surging 34.6% year-over-year

EPS GrowthGrowth
58.3%10/10

Earnings expanding 58.3% YoY

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

WFC6 strengths · Avg: 8.5/10
Market CapQuality
$249.77B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Free Cash FlowQuality
$4.12B8/10

Generating 4.1B in free cash flow

Areas to Watch

NBN3 concerns · Avg: 2.3/10
Market CapQuality
$1.06B3/10

Smaller company, higher risk/reward

PEG RatioValuation
5.272/10

Expensive relative to growth rate

Free Cash FlowQuality
$-56.66M2/10

Negative free cash flow — burning cash

WFC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.432/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : NBN

The strongest argument for NBN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 42.7% and operating margin at 65.5%. Revenue growth of 34.6% demonstrates continued momentum.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.

Bear Case : NBN

The primary concerns for NBN are Market Cap, PEG Ratio, Free Cash Flow.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Key Dynamics to Monitor

NBN profiles as a growth stock while WFC is a mature play — different risk/reward profiles.

WFC carries more volatility with a beta of 1.06 — expect wider price swings.

NBN is growing revenue faster at 34.6% — sustainability is the question.

WFC generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

WFC scores higher overall (74/100 vs 73/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Northeast Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.

Wells Fargo & Company

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.

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