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NORTHEAST COMMUNITY BANCORP (NECB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:NECB - US6641211007 - Common Stock

21.32 USD
+0.15 (+0.71%)
Last: 11/26/2025, 8:00:01 PM
21.32 USD
0 (0%)
After Hours: 11/26/2025, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, NECB scores 4 out of 10 in our fundamental rating. NECB was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of NECB while its profitability can be described as average. NECB has a correct valuation and a medium growth rate. Finally NECB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year NECB was profitable.
In the past year NECB had a positive cash flow from operations.
In the past 5 years NECB has always been profitable.
In the past 5 years NECB always reported a positive cash flow from operatings.
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

With an excellent Return On Assets value of 2.13%, NECB belongs to the best of the industry, outperforming 97.16% of the companies in the same industry.
The Return On Equity of NECB (12.74%) is better than 85.01% 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

The Profit Margin of NECB (42.20%) is better than 96.90% 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 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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2

2. Health

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 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

NECB has a debt to FCF ratio of 3.47. This is a good value and a sign of high solvency as NECB would need 3.47 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.47, NECB is doing worse than 62.27% of the companies in the same industry.
A Debt/Equity ratio of 0.50 indicates that NECB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.50, NECB is doing worse than 76.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 3.47
Altman-Z N/A
ROIC/WACCN/A
WACC20%
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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4

3. Growth

3.1 Past

NECB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.17%.
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.
NECB shows a decrease in Revenue. In the last year, the revenue decreased by -2.71%.
The Revenue has been growing by 20.47% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-9.17%
EPS 3Y67.49%
EPS 5Y42.49%
EPS Q2Q%-8.42%
Revenue 1Y (TTM)-2.71%
Revenue growth 3Y32.24%
Revenue growth 5Y20.47%
Sales Q2Q%-2.47%

3.2 Future

NECB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.01% yearly.
NECB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.72% yearly.
EPS Next Y-6.83%
EPS Next 2Y-2.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.32%
Revenue Next 2Y2.72%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
NECB Yearly Revenue VS EstimatesNECB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
NECB Yearly EPS VS EstimatesNECB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

NECB is valuated cheaply with a Price/Earnings ratio of 6.52.
Based on the Price/Earnings ratio, NECB is valued cheaper than 95.61% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.15, NECB is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.20, the valuation of NECB can be described as very cheap.
NECB's Price/Forward Earnings ratio is rather cheap when compared to the industry. NECB is cheaper than 95.09% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NECB to the average of the S&P500 Index (36.12), we can say NECB is valued rather cheaply.
Industry RankSector Rank
PE 6.52
Fwd PE 6.2
NECB Price Earnings VS Forward Price EarningsNECB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

88.89% of the companies in the same industry are more expensive than NECB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.09
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 earnings are expected to decrease with -2.01% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.15
EPS Next 2Y-2.01%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.10%, NECB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, NECB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, NECB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.1%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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.
DP27.2%
EPS Next 2Y-2.01%
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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NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (11/26/2025, 8:00:01 PM)

After market: 21.32 0 (0%)

21.32

+0.15 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/dmh
Earnings (Next)01-27 2026-01-27
Inst Owners51.81%
Inst Owner Change-2.06%
Ins Owners3.8%
Ins Owner Change-15.99%
Market Cap299.12M
Revenue(TTM)103.83M
Net Income(TTM)43.82M
Analysts43.33
Price Target24.48 (14.82%)
Short Float %0.78%
Short Ratio1.77
Dividend
Industry RankSector Rank
Dividend Yield 4.1%
Yearly Dividend0.56
Dividend Growth(5Y)74.2%
DP27.2%
Div Incr Years1
Div Non Decr Years1
Ex-Date10-03 2025-10-03 (0.2)
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)-4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.94%
EPS NY rev (1m)0%
EPS NY rev (3m)2.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.52
Fwd PE 6.2
P/S 2.88
P/FCF 6.09
P/OCF 5.88
P/B 0.87
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)3.27
EY15.34%
EPS(NY)3.44
Fwd EY16.12%
FCF(TTM)3.5
FCFY16.43%
OCF(TTM)3.62
OCFY17%
SpS7.4
BVpS24.52
TBVpS24.52
PEG (NY)N/A
PEG (5Y)0.15
Graham Number42.48
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
WACC20%
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)-9.17%
EPS 3Y67.49%
EPS 5Y42.49%
EPS Q2Q%-8.42%
EPS Next Y-6.83%
EPS Next 2Y-2.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.71%
Revenue growth 3Y32.24%
Revenue growth 5Y20.47%
Sales Q2Q%-2.47%
Revenue Next Year-1.32%
Revenue Next 2Y2.72%
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.


Can you provide the valuation status for NORTHEAST COMMUNITY BANCORP?

ChartMill assigns a valuation rating of 6 / 10 to NORTHEAST COMMUNITY BANCORP (NECB). This can be considered as Fairly Valued.


What is the profitability of NECB stock?

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


How financially healthy is NORTHEAST COMMUNITY BANCORP?

The financial health rating of NORTHEAST COMMUNITY BANCORP (NECB) is 2 / 10.


Can you provide the dividend sustainability for NECB stock?

The dividend rating of NORTHEAST COMMUNITY BANCORP (NECB) is 7 / 10 and the dividend payout ratio is 27.2%.