NORTHEAST COMMUNITY BANCORP (NECB) Fundamental Analysis & Valuation

NASDAQ:NECB • US6641211007

Current stock price

25.34 USD
+0.75 (+3.05%)
Last:

This NECB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NECB Profitability Analysis

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.
  • NECB had a positive operating cash flow in each of the past 5 years.
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 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.15%, NECB belongs to the top of the industry, outperforming 97.87% of the companies in the same industry.
  • With an excellent Return On Equity value of 12.63%, NECB belongs to the best of the industry, outperforming 84.31% of the companies in the same industry.
Industry RankSector Rank
ROA 2.15%
ROE 12.63%
ROIC N/A
ROA(3y)2.37%
ROA(5y)1.97%
ROE(3y)14.66%
ROE(5y)11.64%
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 2025 5 10 15

1.3 Margins

  • NECB's Profit Margin of 42.37% is amongst the best of the industry. NECB outperforms 96.54% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 42.37%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.79%
PM growth 5Y7.36%
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 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. NECB Health Analysis

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.
  • 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 2025 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 2025 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.
  • Looking at the Debt to FCF ratio, with a value of 0.01, NECB belongs to the top of the industry, outperforming 90.69% of the companies in the same industry.
  • A Debt/Equity ratio of 0.00 indicates that NECB is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.00, NECB belongs to the best of the industry, outperforming 89.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACCN/A
WACC17.77%
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 2025 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 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. NECB Growth Analysis

3.1 Past

  • The earnings per share for NECB have decreased by -8.94% in the last year.
  • NECB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 41.66% yearly.
  • Looking at the last year, NECB shows a decrease in Revenue. The Revenue has decreased by -0.71% in the last year.
  • The Revenue has been growing by 20.36% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-8.94%
EPS 3Y26.51%
EPS 5Y41.66%
EPS Q2Q%-1.25%
Revenue 1Y (TTM)-0.71%
Revenue growth 3Y16.94%
Revenue growth 5Y20.36%
Sales Q2Q%3.92%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.14% on average over the next years.
  • Based on estimates for the next years, NECB will show a small growth in Revenue. The Revenue will grow by 3.64% on average per year.
EPS Next Y0.59%
EPS Next 2Y4.27%
EPS Next 3Y4.14%
EPS Next 5YN/A
Revenue Next Year2.72%
Revenue Next 2Y5.55%
Revenue Next 3Y3.64%
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.
  • 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.
NECB Yearly Revenue VS EstimatesNECB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20M 40M 60M 80M 100M
NECB Yearly EPS VS EstimatesNECB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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6

4. NECB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.77, 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 94.41% of the companies listed in the same industry.
  • NECB is valuated cheaply when we compare the Price/Earnings ratio to 27.89, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 7.73 indicates a rather cheap valuation of NECB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NECB indicates a rather cheap valuation: NECB is cheaper than 93.35% of the companies listed in the same industry.
  • NECB is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.77
Fwd PE 7.73
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

  • NECB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NECB is cheaper than 88.30% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.89
EV/EBITDA N/A
NECB Per share dataNECB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)13.13
PEG (5Y)0.19
EPS Next 2Y4.27%
EPS Next 3Y4.14%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. NECB Dividend Analysis

5.1 Amount

  • NECB has a Yearly Dividend Yield of 3.25%. 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 2.58.
  • NECB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.25%

5.2 History

  • On average, the dividend of NECB grows each year by 72.69%, which is quite nice.
  • NECB has paid a dividend for at least 10 years, which is a reliable track record.
  • NECB has decreased its dividend in the last 3 years.
Dividend Growth(5Y)72.69%
Div Incr Years2
Div Non Decr Years2
NECB Yearly Dividends per shareNECB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • NECB pays out 30.00% 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.
DP30%
EPS Next 2Y4.27%
EPS Next 3Y4.14%
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 2025 10M 20M 30M 40M 50M
NECB Dividend Payout.NECB Dividend Payout, showing the Payout Ratio.NECB Dividend Payout.PayoutRetained Earnings

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NECB Fundamentals: All Metrics, Ratios and Statistics

NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (4/17/2026, 8:00:02 PM)

25.34

+0.75 (+3.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners50.31%
Inst Owner Change-0.15%
Ins Owners3.67%
Ins Owner Change-15.58%
Market Cap350.20M
Revenue(TTM)104.83M
Net Income(TTM)44.41M
Analysts80
Price Target28.82 (13.73%)
Short Float %0.84%
Short Ratio2.44
Dividend
Industry RankSector Rank
Dividend Yield 3.25%
Yearly Dividend0.95
Dividend Growth(5Y)72.69%
DP30%
Div Incr Years2
Div Non Decr Years2
Ex-Date04-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.67%
Min EPS beat(2)-8.88%
Max EPS beat(2)1.54%
EPS beat(4)2
Avg EPS beat(4)-1.57%
Min EPS beat(4)-8.88%
Max EPS beat(4)1.76%
EPS beat(8)5
Avg EPS beat(8)5.11%
EPS beat(12)9
Avg EPS beat(12)7.91%
EPS beat(16)11
Avg EPS beat(16)8.49%
Revenue beat(2)0
Avg Revenue beat(2)-2.58%
Min Revenue beat(2)-4.47%
Max Revenue beat(2)-0.7%
Revenue beat(4)0
Avg Revenue beat(4)-2.28%
Min Revenue beat(4)-4.47%
Max Revenue beat(4)-0.7%
Revenue beat(8)1
Avg Revenue beat(8)-1.39%
Revenue beat(12)4
Avg Revenue beat(12)0.63%
Revenue beat(16)8
Avg Revenue beat(16)2.22%
PT rev (1m)10.78%
PT rev (3m)10.78%
EPS NQ rev (1m)-5.06%
EPS NQ rev (3m)-5.06%
EPS NY rev (1m)-5.16%
EPS NY rev (3m)-5.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)-4.47%
Revenue NY rev (3m)-3.69%
Valuation
Industry RankSector Rank
PE 7.77
Fwd PE 7.73
P/S 3.34
P/FCF 6.89
P/OCF 6.66
P/B 1
P/tB 1
EV/EBITDA N/A
EPS(TTM)3.26
EY12.87%
EPS(NY)3.28
Fwd EY12.94%
FCF(TTM)3.68
FCFY14.52%
OCF(TTM)3.81
OCFY15.02%
SpS7.59
BVpS25.45
TBVpS25.45
PEG (NY)13.13
PEG (5Y)0.19
Graham Number43.2048 (70.5%)
Profitability
Industry RankSector Rank
ROA 2.15%
ROE 12.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 42.37%
GM N/A
FCFM 48.5%
ROA(3y)2.37%
ROA(5y)1.97%
ROE(3y)14.66%
ROE(5y)11.64%
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 3Y3.79%
PM growth 5Y7.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr 149.44%
Cap/Sales 1.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 114.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.77%
ROIC/WACCN/A
Cap/Depr(3y)81.46%
Cap/Depr(5y)216.86%
Cap/Sales(3y)0.93%
Cap/Sales(5y)4.39%
Profit Quality(3y)102.67%
Profit Quality(5y)106.49%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.94%
EPS 3Y26.51%
EPS 5Y41.66%
EPS Q2Q%-1.25%
EPS Next Y0.59%
EPS Next 2Y4.27%
EPS Next 3Y4.14%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.71%
Revenue growth 3Y16.94%
Revenue growth 5Y20.36%
Sales Q2Q%3.92%
Revenue Next Year2.72%
Revenue Next 2Y5.55%
Revenue Next 3Y3.64%
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 1Y5.55%
FCF growth 3Y28.01%
FCF growth 5Y28.7%
OCF growth 1Y8.01%
OCF growth 3Y24.06%
OCF growth 5Y27.41%

NORTHEAST COMMUNITY BANCORP / NECB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for NORTHEAST COMMUNITY BANCORP?

ChartMill assigns a fundamental rating of 5 / 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.


How profitable is NORTHEAST COMMUNITY BANCORP (NECB) stock?

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


Can you provide the financial health for NECB stock?

The financial health rating of NORTHEAST COMMUNITY BANCORP (NECB) is 5 / 10.


How sustainable is the dividend of NORTHEAST COMMUNITY BANCORP (NECB) stock?

The dividend rating of NORTHEAST COMMUNITY BANCORP (NECB) is 6 / 10 and the dividend payout ratio is 30%.