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Northeast Indiana Bancorp, Inc (NIDB) Fair Value & Analysis

Financial Services · US · Market cap $56.6M

Price$23.60
Fair Value$34.40
Upside+45.8%
Quality95/100
Evidence: High Range $25.80 – $43.01

Fair value as of: Jun 26, 2026

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Analysis

Northeast Indiana Bancorp, Inc (NIDB) currently trades at $23.60, while our model-based Fair Value estimate is $34.40 — implying the stock looks roughly 45.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank, which provides various banking and financial advisory services in the United States. The company offers personal services, including checking accounts, direct deposit, debit cards, savings accounts, CDs, retirement accounts, health savings, and moola kids accounts. It also offers business services, such as checking accounts, debit cards, merchant services, and cash management. In addition, the company offers mortgage, refinance, new construction, and home equity loans; personal loans, such as auto, recreational vehicles, and unsecured loans; business loans comprising revolving lines of credit, term loans, real estate loans, letter of credit, and small business administration loans; and treasury management, deposit products, and merchant deposit capture. The company was founded in 1912 and is headquartered in Huntington, Indiana.

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Frequently asked questions

Is Northeast Indiana Bancorp, Inc (NIDB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $34.40 versus a price of $23.60 — about +46% (undervalued). Model-based estimate, not financial advice.
What is the fair value of NIDB?
Our 21-model fair value for Northeast Indiana Bancorp, Inc is $34.40 (as of Jun 26, 2026), built from audited fundamentals. The current price is $23.60.
What is the quality score of NIDB?
Northeast Indiana Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.