22.85 USD
-0.03 (-0.13%)
22.85 USD
0 (0%)
NECB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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 decent growth rate and is not valued too expensively.
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 each of the past 5 years.
Each year in the past 5 years NECB had a positive operating cash flow.
1.2 Ratios
NECB's Return On Assets of 2.13% is amongst the best of the industry. NECB outperforms 97.16% of its industry peers.
The Return On Equity of NECB (12.74%) is better than 85.27% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 42.20%, NECB belongs to the best of the industry, outperforming 96.90% of the companies in the same industry.
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 Rank | Sector 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
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
The number of shares outstanding for NECB has been reduced compared to 5 years ago.
NECB has a better debt/assets ratio than last year.
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 Debt to FCF ratio of 3.47. This is in the lower half of the industry: NECB underperforms 64.08% of its industry peers.
NECB has a Debt/Equity ratio of 0.50. This is a healthy value indicating a solid balance between debt and equity.
NECB's Debt to Equity ratio of 0.50 is on the low side compared to the rest of the industry. NECB is outperformed by 76.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 3.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
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 decrease in Revenue. The Revenue has decreased by -2.71% 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)-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
The Earnings Per Share is expected to grow by 2.05% on average over the next years.
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-6.26%
EPS Next 2Y-1.72%
EPS Next 3Y2.05%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.99, 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 95.35% of the companies listed in the same industry.
NECB is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 6.61, which indicates a rather cheap valuation of NECB.
94.57% of the companies in the same industry are more expensive than NECB, based on the Price/Forward Earnings ratio.
NECB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.99 | ||
| Fwd PE | 6.61 |
4.2 Price Multiples
NECB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NECB is cheaper than 88.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2Y-1.72%
EPS Next 3Y2.05%
5. Dividend
5.1 Amount
NECB has a Yearly Dividend Yield of 3.54%.
Compared to an average industry Dividend Yield of 2.78, NECB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, NECB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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
5.3 Sustainability
NECB pays out 27.20% of its income as dividend. This is a sustainable payout ratio.
NECB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.2%
EPS Next 2Y-1.72%
EPS Next 3Y2.05%
22.85
-0.03 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.68%
Inst Owner Change0%
Ins Owners3.62%
Ins Owner Change-19.43%
Market Cap320.59M
Revenue(TTM)103.83M
Net Income(TTM)43.82M
Analysts43.33
Price Target26.01 (13.83%)
Short Float %0.79%
Short Ratio1.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
Yearly Dividend0.56
Dividend Growth(5Y)74.2%
DP27.2%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)6.25%
PT rev (3m)6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.94%
EPS NY rev (1m)0.61%
EPS NY rev (3m)3.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.99 | ||
| Fwd PE | 6.61 | ||
| P/S | 3.09 | ||
| P/FCF | 6.52 | ||
| P/OCF | 6.3 | ||
| P/B | 0.93 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.27
EY14.31%
EPS(NY)3.46
Fwd EY15.13%
FCF(TTM)3.5
FCFY15.33%
OCF(TTM)3.62
OCFY15.86%
SpS7.4
BVpS24.52
TBVpS24.52
PEG (NY)N/A
PEG (5Y)0.16
Graham Number42.48
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC19.46%
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-6.26%
EPS Next 2Y-1.72%
EPS Next 3Y2.05%
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.
What is the valuation status of NORTHEAST COMMUNITY BANCORP (NECB) stock?
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.
What are the PE and PB ratios of NORTHEAST COMMUNITY BANCORP (NECB) stock?
The Price/Earnings (PE) ratio for NORTHEAST COMMUNITY BANCORP (NECB) is 6.99 and the Price/Book (PB) ratio is 0.93.
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%.