NECB Fundamental Analysis - NORTHEAST COMMUNITY BANCORP

Fundamental Rating

Overall NECB gets a fundamental rating of 5 out of 10. We evaluated NECB against 397 industry peers in the Banks industry. NECB has an average financial health and profitability rating. NECB has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

NECB had positive earnings in the past year.

In the past year NECB had a positive cash flow from operations.

Each year in the past 5 years NECB has been profitable.

NECB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

NECB has a better Return On Assets (2.39%) than 98.24% of its industry peers.

NECB's Return On Equity of 14.14% is amongst the best of the industry. NECB outperforms 89.92% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.39%
ROE	14.14%
ROIC	N/A

ROA(3y)2.24%

ROA(5y)1.79%

ROE(3y)13.61%

ROE(5y)10.72%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

NECB's Profit Margin of 43.84% is amongst the best of the industry. NECB outperforms 97.98% of its industry peers.

In the last couple of years the Profit Margin of NECB has grown nicely.

The Operating Margin and Gross Margin are not available for NECB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	43.84%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y19.56%

PM growth 5Y7.45%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NECB does not have a ROIC to compare to the WACC, probably because it is not profitable.

NECB has less shares outstanding than it did 1 year ago.

NECB has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, NECB has an improved debt to assets ratio.

2.2 Solvency

NECB has a debt to FCF ratio of 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.

NECB's Debt to FCF ratio of 0.01 is amongst the best of the industry. NECB outperforms 90.68% of its industry peers.

NECB has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of NECB (0.00) is better than 87.91% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.01
Altman-Z	N/A

ROIC/WACCN/A

WACC19.36%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.36% over the past year.

Measured over the past years, NECB shows a very strong growth in Earnings Per Share. The EPS has been growing by 42.49% on average per year.

Looking at the last year, NECB shows a small growth in Revenue. The Revenue has grown by 2.94% in the last year.

The Revenue has been growing by 20.47% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)8.36%

EPS 3Y67.49%

EPS 5Y42.49%

EPS Q2Q%-9.3%

Revenue 1Y (TTM)2.94%

Revenue growth 3Y32.24%

Revenue growth 5Y20.47%

Sales Q2Q%-0.16%

3.2 Future

The Earnings Per Share is expected to decrease by -3.62% on average over the next years.

Based on estimates for the next years, NECB will show a small growth in Revenue. The Revenue will grow by 3.85% on average per year.

EPS Next Y-9.4%

EPS Next 2Y-3.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-0.45%

Revenue Next 2Y3.85%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.76, the valuation of NECB can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of NECB indicates a rather cheap valuation: NECB is cheaper than 95.21% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.30, NECB is valued rather cheaply.

With a Price/Forward Earnings ratio of 7.12, the valuation of NECB can be described as very cheap.

89.67% 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 (21.76), we can say NECB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.76
Fwd PE	7.12

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 85.39% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.23
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as NECB's earnings are expected to decrease with -3.62% in the coming years.

PEG (NY)N/A

PEG (5Y)0.16

EPS Next 2Y-3.62%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

NECB has a Yearly Dividend Yield of 3.24%.

NECB's Dividend Yield is a higher than the industry average which is at 3.30.

Compared to an average S&P500 Dividend Yield of 2.37, NECB pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.24%

5.2 History

The dividend of NECB is nicely growing with an annual growth rate of 74.20%!

NECB has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of NECB decreased recently.

Dividend Growth(5Y)74.2%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

19.70% of the earnings are spent on dividend by NECB. This is a low number and sustainable payout ratio.

DP19.7%

EPS Next 2Y-3.62%

EPS Next 3YN/A

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NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (7/11/2025, 8:00:02 PM)

After market: 23.67 0 (0%)

23.67

-0.35 (-1.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/dmh

Earnings (Next)07-23 2025-07-23

Inst Owners50.33%

Inst Owner Change0%

Ins Owners3.84%

Ins Owner Change2.91%

Market Cap331.85M

Analysts43.33

Price Target27.54 (16.35%)

Short Float %0.93%

Short Ratio3.55

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.24%

Yearly Dividend0.56

Dividend Growth(5Y)74.2%

DP19.7%

Div Incr Years1

Div Non Decr Years1

Ex-Date07-07 2025-07-07 (0.2)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.52%

Min EPS beat(2)-4.35%

Max EPS beat(2)-0.69%

EPS beat(4)2

Avg EPS beat(4)7.35%

Min EPS beat(4)-4.35%

Max EPS beat(4)32.08%

EPS beat(8)6

Avg EPS beat(8)9.59%

EPS beat(12)9

Avg EPS beat(12)12.28%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-3.78%

Min Revenue beat(2)-5.68%

Max Revenue beat(2)-1.89%

Revenue beat(4)1

Avg Revenue beat(4)-0.32%

Min Revenue beat(4)-5.68%

Max Revenue beat(4)7.02%

Revenue beat(8)3

Avg Revenue beat(8)1.08%

Revenue beat(12)7

Avg Revenue beat(12)3.3%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-1.14%

Revenue NQ rev (3m)0.19%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	6.76
Fwd PE	7.12
P/S	3.14
P/FCF	7.23
P/OCF	7.1
P/B	1.01
P/tB	1.01
EV/EBITDA	N/A

EPS(TTM)3.5

EY14.79%

EPS(NY)3.33

Fwd EY14.05%

FCF(TTM)3.27

FCFY13.83%

OCF(TTM)3.33

OCFY14.08%

SpS7.53

BVpS23.34

TBVpS23.34

PEG (NY)N/A

PEG (5Y)0.16

Profitability

		Industry Rank	Sector Rank
ROA	2.39%
ROE	14.14%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.84%
GM	N/A
FCFM	43.48%

ROA(3y)2.24%

ROA(5y)1.79%

ROE(3y)13.61%

ROE(5y)10.72%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y19.56%

PM growth 5Y7.45%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.01
Debt/EBITDA	N/A
Cap/Depr	70.01%
Cap/Sales	0.79%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	99.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC19.36%

ROIC/WACCN/A

Cap/Depr(3y)119.65%

Cap/Depr(5y)210.52%

Cap/Sales(3y)2.05%

Cap/Sales(5y)4.66%

Profit Quality(3y)97.04%

Profit Quality(5y)106.96%

High Growth Momentum

Growth

EPS 1Y (TTM)8.36%

EPS 3Y67.49%

EPS 5Y42.49%

EPS Q2Q%-9.3%

EPS Next Y-9.4%

EPS Next 2Y-3.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.94%

Revenue growth 3Y32.24%

Revenue growth 5Y20.47%

Sales Q2Q%-0.16%

Revenue Next Year-0.45%

Revenue Next 2Y3.85%

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 1Y26.98%

FCF growth 3Y47.18%

FCF growth 5Y36.14%

OCF growth 1Y24.06%

OCF growth 3Y31.2%

OCF growth 5Y27.69%

NORTHEAST COMMUNITY BANCORP (NECB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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