NORTHEAST COMMUNITY BANCORP (NECB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:NECB • US6641211007

24.75 USD
-0.06 (-0.24%)
At close: Feb 6, 2026
24.75 USD
0 (0%)
After Hours: 2/6/2026, 4:30:01 PM
Fundamental Rating

4

Overall NECB gets a fundamental rating of 4 out of 10. We evaluated NECB against 383 industry peers in the Banks industry. NECB has a medium profitability rating, but doesn't score so well on its financial health evaluation. NECB has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year NECB was profitable.
  • NECB had a positive operating cash flow in the past year.
  • NECB had positive earnings in 4 of the past 5 years.
  • Of the past 5 years NECB 4 years had a positive operating cash flow.
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 10M 20M 30M 40M

1.2 Ratios

  • NECB's Return On Assets of 2.13% is amongst the best of the industry. NECB outperforms 97.13% of its industry peers.
  • NECB's Return On Equity of 12.74% is amongst the best of the industry. NECB outperforms 85.38% of its industry peers.
Industry RankSector Rank
ROA 2.13%
ROE 12.74%
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
NECB Yearly ROA, ROE, ROICNECB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • NECB has a better Profit Margin (42.20%) than 96.87% 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 3Y19.56%
PM growth 5Y7.45%
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 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • NECB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for NECB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
NECB Yearly Shares OutstandingNECB Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 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 64.23% of its industry peers.
  • A Debt/Equity ratio of 0.50 indicates that NECB is not too dependend on debt financing.
  • NECB has a worse Debt to Equity ratio (0.50) than 75.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 3.47
Altman-Z N/A
ROIC/WACCN/A
WACC18.74%
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 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 20M 40M 60M

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

3

3. Growth

3.1 Past

  • NECB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.94%.
  • Measured over the past years, NECB shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.51% on average per year.
EPS 1Y (TTM)-8.94%
EPS 3Y26.51%
EPS 5YN/A
EPS Q2Q%-1.25%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.92%

3.2 Future

  • Based on estimates for the next years, NECB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
  • 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.
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

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.59, the valuation of NECB can be described as very cheap.
  • Based on the Price/Earnings ratio, NECB is valued cheaply inside the industry as 94.78% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.67. NECB is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.16, the valuation of NECB can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NECB indicates a rather cheap valuation: NECB is cheaper than 94.26% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. NECB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.59
Fwd PE 7.16
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 cheaper than 87.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.07
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)1.25
PEG (5Y)N/A
EPS Next 2Y8.03%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • NECB has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
  • NECB's Dividend Yield is a higher than the industry average which is at 2.71.
  • NECB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.22%

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.
  • The dividend of NECB decreased 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

  • NECB pays out 27.20% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of NECB is growing, but the earnings are growing slower. 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 10M 20M 30M 40M
NECB Dividend Payout.NECB Dividend Payout, showing the Payout Ratio.NECB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (2/6/2026, 4:30:01 PM)

After market: 24.75 0 (0%)

24.75

-0.06 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-20
Inst Owners50.68%
Inst Owner Change-1%
Ins Owners3.62%
Ins Owner Change-20.3%
Market Cap347.24M
Revenue(TTM)N/A
Net Income(TTM)43.82M
Analysts43.33
Price Target26.01 (5.09%)
Short Float %1.05%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
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)0.91%
EPS NY rev (3m)1.53%
Revenue NQ rev (1m)0.63%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.26%
Valuation
Industry RankSector Rank
PE 7.59
Fwd PE 7.16
P/S 3.34
P/FCF 7.07
P/OCF 6.83
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)3.26
EY13.17%
EPS(NY)3.46
Fwd EY13.97%
FCF(TTM)3.5
FCFY14.15%
OCF(TTM)3.62
OCFY14.64%
SpS7.4
BVpS24.52
TBVpS24.52
PEG (NY)1.25
PEG (5Y)N/A
Graham Number42.41
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)2.24%
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
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 3Y19.56%
PM growth 5Y7.45%
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
WACC18.74%
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)-8.94%
EPS 3Y26.51%
EPS 5YN/A
EPS Q2Q%-1.25%
EPS Next Y6.07%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 1Y12.91%
FCF growth 3Y47.18%
FCF growth 5Y36.14%
OCF growth 1Y15.68%
OCF growth 3Y31.2%
OCF growth 5Y27.69%

NORTHEAST COMMUNITY BANCORP / NECB FAQ

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

ChartMill assigns a fundamental rating of 4 / 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 4 / 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 7.59 and the Price/Book (PB) ratio is 1.01.


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%.