NORTHEAST COMMUNITY BANCORP (NECB) Fundamental Analysis & Valuation

NASDAQ:NECB • US6641211007

Current stock price

23.69 USD
-0.19 (-0.8%)
At close:
23.69 USD
0 (0%)
After Hours:

This NECB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NECB Profitability Analysis

1.1 Basic Checks

  • In the past year NECB was profitable.
  • NECB had a positive operating cash flow in the past year.
  • In the past 5 years NECB has always been profitable.
  • NECB had a positive operating cash flow in 4 of the past 5 years.
NECB Yearly Net Income VS EBIT VS OCF VS FCFNECB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.13%, NECB belongs to the top of the industry, outperforming 97.37% of the companies in the same industry.
  • NECB has a Return On Equity of 12.74%. This is amongst the best in the industry. NECB outperforms 84.74% of its industry peers.
Industry RankSector Rank
ROA 2.13%
ROE 12.74%
ROIC N/A
ROA(3y)2.37%
ROA(5y)1.97%
ROE(3y)14.66%
ROE(5y)11.64%
ROIC(3y)N/A
ROIC(5y)N/A
NECB Yearly ROA, ROE, ROICNECB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of NECB (42.20%) is better than 96.58% of its industry peers.
  • NECB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for NECB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 42.2%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.79%
PM growth 5Y7.36%
GM growth 3YN/A
GM growth 5YN/A
NECB Yearly Profit, Operating, Gross MarginsNECB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. NECB Health Analysis

2.1 Basic Checks

  • NECB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for NECB has been reduced compared to 1 year ago.
  • The number of shares outstanding for NECB has been reduced compared to 5 years ago.
  • The debt/assets ratio for NECB has been reduced compared to a year ago.
NECB Yearly Shares OutstandingNECB Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
NECB Yearly Total Debt VS Total AssetsNECB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of NECB is 3.47, which is a good value as it means it would take NECB, 3.47 years of fcf income to pay off all of its debts.
  • NECB has a worse Debt to FCF ratio (3.47) than 60.00% of its industry peers.
  • NECB has a Debt/Equity ratio of 0.50. This is a healthy value indicating a solid balance between debt and equity.
  • NECB's Debt to Equity ratio of 0.50 is on the low side compared to the rest of the industry. NECB is outperformed by 75.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 3.47
Altman-Z N/A
ROIC/WACCN/A
WACC19.39%
NECB Yearly LT Debt VS Equity VS FCFNECB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NECB Yearly Current Assets VS Current LiabilitesNECB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. NECB Growth Analysis

3.1 Past

  • The earnings per share for NECB have decreased by -8.94% in the last year.
  • The Earnings Per Share has been growing by 41.66% on average over the past years. This is a very strong growth
  • Looking at the last year, NECB shows a decrease in Revenue. The Revenue has decreased by -0.71% in the last year.
  • The Revenue has been growing by 20.36% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-8.94%
EPS 3Y26.51%
EPS 5Y41.66%
EPS Q2Q%-1.25%
Revenue 1Y (TTM)-0.71%
Revenue growth 3Y16.94%
Revenue growth 5Y20.36%
Sales Q2Q%3.92%

3.2 Future

  • NECB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.03% yearly.
  • NECB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.71% yearly.
EPS Next Y6.07%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.52%
Revenue Next 2Y9.71%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
NECB Yearly Revenue VS EstimatesNECB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
NECB Yearly EPS VS EstimatesNECB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

7

4. NECB Valuation Analysis

4.1 Price/Earnings Ratio

  • NECB is valuated cheaply with a Price/Earnings ratio of 7.27.
  • 94.47% of the companies in the same industry are more expensive than NECB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of NECB to the average of the S&P500 Index (25.61), we can say NECB is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.85, the valuation of NECB can be described as very cheap.
  • 93.95% of the companies in the same industry are more expensive than NECB, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of NECB to the average of the S&P500 Index (22.79), we can say NECB is valued rather cheaply.
Industry RankSector Rank
PE 7.27
Fwd PE 6.85
NECB Price Earnings VS Forward Price EarningsNECB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 86.84% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.67
EV/EBITDA N/A
NECB Per share dataNECB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • NECB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.2
PEG (5Y)0.17
EPS Next 2Y8.03%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. NECB Dividend Analysis

5.1 Amount

  • NECB has a Yearly Dividend Yield of 3.44%.
  • Compared to an average industry Dividend Yield of 2.78, NECB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, NECB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

  • The dividend of NECB is nicely growing with an annual growth rate of 74.20%!
  • NECB has paid a dividend for at least 10 years, which is a reliable track record.
  • NECB has decreased its dividend recently.
Dividend Growth(5Y)74.2%
Div Incr Years1
Div Non Decr Years1
NECB Yearly Dividends per shareNECB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 27.20% of the earnings are spent on dividend by NECB. This is a low number and sustainable payout ratio.
  • NECB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.2%
EPS Next 2Y8.03%
EPS Next 3YN/A
NECB Yearly Income VS Free CF VS DividendNECB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
NECB Dividend Payout.NECB Dividend Payout, showing the Payout Ratio.NECB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

NECB Fundamentals: All Metrics, Ratios and Statistics

NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (3/25/2026, 8:00:02 PM)

After market: 23.69 0 (0%)

23.69

-0.19 (-0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-20
Inst Owners49.72%
Inst Owner Change-3.66%
Ins Owners3.64%
Ins Owner Change-15.58%
Market Cap327.63M
Revenue(TTM)104.83M
Net Income(TTM)43.82M
Analysts43.33
Price Target26.01 (9.79%)
Short Float %0.69%
Short Ratio1.7
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend0.56
Dividend Growth(5Y)74.2%
DP27.2%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.65%
Min EPS beat(2)1.54%
Max EPS beat(2)1.76%
EPS beat(4)2
Avg EPS beat(4)-0.43%
Min EPS beat(4)-4.35%
Max EPS beat(4)1.76%
EPS beat(8)6
Avg EPS beat(8)6.44%
EPS beat(12)9
Avg EPS beat(12)8.19%
EPS beat(16)12
Avg EPS beat(16)10.31%
Revenue beat(2)0
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-2.07%
Max Revenue beat(2)-0.7%
Revenue beat(4)0
Avg Revenue beat(4)-2.58%
Min Revenue beat(4)-5.68%
Max Revenue beat(4)-0.7%
Revenue beat(8)1
Avg Revenue beat(8)-1.07%
Revenue beat(12)5
Avg Revenue beat(12)1.73%
Revenue beat(16)9
Avg Revenue beat(16)2.91%
PT rev (1m)0%
PT rev (3m)6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.82%
Valuation
Industry RankSector Rank
PE 7.27
Fwd PE 6.85
P/S 3.16
P/FCF 6.67
P/OCF 6.44
P/B 0.95
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)3.26
EY13.76%
EPS(NY)3.46
Fwd EY14.6%
FCF(TTM)3.55
FCFY15%
OCF(TTM)3.68
OCFY15.52%
SpS7.51
BVpS24.88
TBVpS24.88
PEG (NY)1.2
PEG (5Y)0.17
Graham Number42.72
Profitability
Industry RankSector Rank
ROA 2.13%
ROE 12.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 42.2%
GM N/A
FCFM 47.32%
ROA(3y)2.37%
ROA(5y)1.97%
ROE(3y)14.66%
ROE(5y)11.64%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.79%
PM growth 5Y7.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 3.47
Debt/EBITDA N/A
Cap/Depr 145.96%
Cap/Sales 1.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC19.39%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.94%
EPS 3Y26.51%
EPS 5Y41.66%
EPS Q2Q%-1.25%
EPS Next Y6.07%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.71%
Revenue growth 3Y16.94%
Revenue growth 5Y20.36%
Sales Q2Q%3.92%
Revenue Next Year7.52%
Revenue Next 2Y9.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.87%
OCF growth 3YN/A
OCF growth 5YN/A

NORTHEAST COMMUNITY BANCORP / NECB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for NORTHEAST COMMUNITY BANCORP?

ChartMill assigns a fundamental rating of 5 / 10 to NECB.


What is the valuation status of NORTHEAST COMMUNITY BANCORP (NECB) stock?

ChartMill assigns a valuation rating of 7 / 10 to NORTHEAST COMMUNITY BANCORP (NECB). This can be considered as Undervalued.


What is the profitability of NECB stock?

NORTHEAST COMMUNITY BANCORP (NECB) has a profitability rating of 5 / 10.


What are the PE and PB ratios of NORTHEAST COMMUNITY BANCORP (NECB) stock?

The Price/Earnings (PE) ratio for NORTHEAST COMMUNITY BANCORP (NECB) is 7.27 and the Price/Book (PB) ratio is 0.95.


Can you provide the dividend sustainability for NECB stock?

The dividend rating of NORTHEAST COMMUNITY BANCORP (NECB) is 6 / 10 and the dividend payout ratio is 27.2%.