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NORTHEAST COMMUNITY BANCORP (NECB) Stock Fundamental Analysis

NASDAQ:NECB - Nasdaq - US6641211007 - Common Stock - Currency: USD

22.6  +0.13 (+0.58%)

After market: 22.6 0 (0%)

Fundamental Rating

5

Taking everything into account, NECB scores 5 out of 10 in our fundamental rating. NECB was compared to 395 industry peers in the Banks industry. Both the profitability and the financial health of NECB get a neutral evaluation. Nothing too spectacular is happening here. NECB is not valued too expensively and it also shows a decent growth rate.


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

The Return On Assets of NECB (2.39%) is better than 98.23% of its industry peers.
NECB's Return On Equity of 14.14% is amongst the best of the industry. NECB outperforms 89.87% of its industry peers.
Industry RankSector 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
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 (43.84%) than 97.97% 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) 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
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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5

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.
Compared to 5 years ago, NECB has less shares outstanding
Compared to 1 year ago, NECB has an improved debt to assets ratio.
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 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 has a Debt to FCF ratio of 0.01. This is amongst the best in the industry. NECB outperforms 90.63% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that NECB is not too dependend on debt financing.
The Debt to Equity ratio of NECB (0.00) is better than 87.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACCN/A
WACC19.76%
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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5

3. Growth

3.1 Past

NECB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.36%, which is quite good.
The Earnings Per Share has been growing by 42.49% on average over the past years. This is a very strong growth
NECB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.94%.
Measured over the past years, NECB shows a very strong growth in Revenue. The Revenue has been growing by 20.47% on average per year.
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.
The Revenue is expected to grow by 3.85% on average over the next years.
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.
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

With a Price/Earnings ratio of 6.46, the valuation of NECB can be described as very cheap.
Based on the Price/Earnings ratio, NECB is valued cheaper than 95.44% of the companies in the same industry.
When comparing the Price/Earnings ratio of NECB to the average of the S&P500 Index (26.34), we can say NECB is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.80, the valuation of NECB can be described as very cheap.
Based on the Price/Forward Earnings ratio, NECB is valued cheaper than 89.11% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.03, NECB is valued rather cheaply.
Industry RankSector Rank
PE 6.46
Fwd PE 6.8
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 84.56% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.9
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 -3.62% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.15
EPS Next 2Y-3.62%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

NECB has a Yearly Dividend Yield of 3.56%.
NECB's Dividend Yield is comparable with the industry average which is at 3.61.
Compared to an average S&P500 Dividend Yield of 2.44, NECB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.56%

5.2 History

On average, the dividend of NECB grows each year by 74.20%, which is quite nice.
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
NECB Yearly Dividends per shareNECB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

NECB pays out 19.70% of its income as dividend. This is a sustainable payout ratio.
DP19.7%
EPS Next 2Y-3.62%
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 (6/20/2025, 8:00:02 PM)

After market: 22.6 0 (0%)

22.6

+0.13 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/dmh
Earnings (Next)07-21 2025-07-21
Inst Owners50.33%
Inst Owner Change0.01%
Ins Owners3.84%
Ins Owner Change2.91%
Market Cap316.85M
Analysts43.33
Price Target27.54 (21.86%)
Short Float %0.88%
Short Ratio3.08
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
Yearly Dividend0.56
Dividend Growth(5Y)74.2%
DP19.7%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-07 2025-04-07 (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)-12.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.33%
EPS NY rev (1m)0%
EPS NY rev (3m)4.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.33%
Valuation
Industry RankSector Rank
PE 6.46
Fwd PE 6.8
P/S 3
P/FCF 6.9
P/OCF 6.78
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)3.5
EY15.49%
EPS(NY)3.33
Fwd EY14.71%
FCF(TTM)3.27
FCFY14.48%
OCF(TTM)3.33
OCFY14.75%
SpS7.53
BVpS23.34
TBVpS23.34
PEG (NY)N/A
PEG (5Y)0.15
Profitability
Industry RankSector 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 RankSector 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
WACC19.76%
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%