NORTHEAST COMMUNITY BANCORP (NECB)
US6641211007 - Common Stock
Overall NECB gets a fundamental rating of 5 out of 10. We evaluated NECB against 411 industry peers in the Banks industry. NECB has a medium profitability rating, but doesn't score so well on its financial health evaluation. NECB is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years NECB always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 2.62%, NECB belongs to the best of the industry, outperforming 98.06% of the companies in the same industry.
Looking at the Return On Equity, with a value of 16.57%, NECB belongs to the top of the industry, outperforming 93.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 16.57% | ||
| ROIC | N/A |
ROA(3y)1.78%
ROA(5y)1.59%
ROE(3y)10.26%
ROE(5y)9.58%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NECB's Profit Margin of 45.84% is amongst the best of the industry. NECB outperforms 98.06% 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) | 45.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.57%
PM growth 5YN/A
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.
The number of shares outstanding for NECB has been reduced compared to 1 year ago.
Compared to 1 year ago, NECB has a worse debt to assets ratio.
2.2 Solvency
NECB has a debt to FCF ratio of 1.20. This is a very positive value and a sign of high solvency as it would only need 1.20 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.20, NECB is in the better half of the industry, outperforming 73.30% of the companies in the same industry.
NECB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
NECB's Debt to Equity ratio of 0.18 is fine compared to the rest of the industry. NECB outperforms 61.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NECB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 95.03%, which is quite impressive.
The Earnings Per Share has been growing by 79.93% on average over the past years. This is a very strong growth
NECB shows a strong growth in Revenue. In the last year, the Revenue has grown by 53.95%.
Measured over the past years, NECB shows a very strong growth in Revenue. The Revenue has been growing by 34.47% on average per year.
EPS 1Y (TTM)95.03%
EPS 3Y79.93%
EPS 5YN/A
EPS growth Q2Q51.85%
Revenue 1Y (TTM)53.95%
Revenue growth 3Y34.47%
Revenue growth 5YN/A
Revenue growth Q2Q22.37%
3.2 Future
NECB is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -11.15% yearly.
NECB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.43% yearly.
EPS Next Y-16.84%
EPS Next 2Y-11.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.58%
Revenue Next 2Y-1.43%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.40 indicates a rather cheap valuation of NECB.
94.90% of the companies in the same industry are more expensive than NECB, based on the Price/Earnings ratio.
NECB is valuated cheaply when we compare the Price/Earnings ratio to 28.38, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.50, the valuation of NECB can be described as very cheap.
Based on the Price/Forward Earnings ratio, NECB is valued cheaply inside the industry as 93.93% of the companies are valued more expensively.
NECB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.4 | ||
| Fwd PE | 6.5 |
4.2 Price Multiples
86.89% of the companies in the same industry are more expensive than NECB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as NECB's earnings are expected to decrease with -11.15% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.15%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NECB has a Yearly Dividend Yield of 2.37%.
Compared to an average industry Dividend Yield of 3.68, NECB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, NECB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
5.2 History
The dividend of NECB is nicely growing with an annual growth rate of 55.44%!
NECB has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)55.44%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
NECB pays out 7.89% of its income as dividend. This is a sustainable payout ratio.
DP7.89%
EPS Next 2Y-11.15%
EPS Next 3YN/A
NORTHEAST COMMUNITY BANCORP
NASDAQ:NECB (5/10/2024, 7:08:55 PM)
After market: 16.96 0 (0%)16.96
+0.06 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap238.63M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
Dividend Growth(5Y)
DP
Div Incr Years
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Surprises & Revisions
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.4 | ||
| Fwd PE | 6.5 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 16.57% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 45.84% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)95.03%
EPS 3Y79.93%
EPS 5Y
EPS growth Q2Q
EPS Next Y-16.84%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)53.95%
Revenue growth 3Y34.47%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
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EBIT Next 5Y
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FCF growth 3Y
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