NECB Fundamental Analysis - NORTHEAST COMMUNITY BANCORP

Fundamental Rating

Taking everything into account, NECB scores 5 out of 10 in our fundamental rating. NECB was compared to 396 industry peers in the Banks industry. NECB has only an average score on both its financial health and profitability. NECB has a correct valuation and a medium growth rate.

Quickly go to:

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.

NECB had positive earnings in each of the past 5 years.

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

1.2 Ratios

NECB has a Return On Assets of 2.39%. This is amongst the best in the industry. NECB outperforms 97.98% of its industry peers.

NECB has a Return On Equity of 14.14%. This is amongst the best in the industry. NECB outperforms 89.65% 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

Compared to 1 year ago, NECB has less shares outstanding

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

The debt/assets ratio for NECB has been reduced compared to a year ago.

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.

With an excellent Debt to FCF ratio value of 0.01, NECB belongs to the best of the industry, outperforming 90.66% of the companies in the same industry.

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 87.88% of its industry peers.

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

ROIC/WACCN/A

WACC19.9%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.

NECB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 42.49% yearly.

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.

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

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

NECB is valuated cheaply with a Price/Earnings ratio of 6.38.

NECB's Price/Earnings ratio is rather cheap when compared to the industry. NECB is cheaper than 95.45% of the companies in the same industry.

NECB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.

A Price/Forward Earnings ratio of 6.72 indicates a rather cheap valuation of NECB.

89.90% of the companies in the same industry are more expensive than NECB, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.17. NECB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	6.38
Fwd PE	6.72

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 84.34% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.82
EV/EBITDA	N/A

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

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

NECB has a Yearly Dividend Yield of 3.48%. 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 3.46.

NECB's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.48%

5.2 History

On average, the dividend of NECB grows each year by 74.20%, which is quite nice.

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

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

More info and screens

Find the best dividend stocks

Show peers with best dividend

NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (6/2/2025, 8:25:09 PM)

After market: 21.22 -1.11 (-4.97%)

22.33

-0.29 (-1.28%)

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 Owners49.62%

Inst Owner Change0.03%

Ins Owners3.66%

Ins Owner Change-0.53%

Market Cap313.07M

Analysts43.33

Price Target27.54 (23.33%)

Short Float %0.83%

Short Ratio2.05

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.48%

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 Rank	Sector Rank
PE	6.38
Fwd PE	6.72
P/S	2.97
P/FCF	6.82
P/OCF	6.7
P/B	0.96
P/tB	0.96
EV/EBITDA	N/A

EPS(TTM)3.5

EY15.67%

EPS(NY)3.33

Fwd EY14.89%

FCF(TTM)3.27

FCFY14.66%

OCF(TTM)3.33

OCFY14.92%

SpS7.53

BVpS23.34

TBVpS23.34

PEG (NY)N/A

PEG (5Y)0.15

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

WACC19.9%

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

More info and screens

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

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens