NORTHEAST COMMUNITY BANCORP(NASDAQ:NECB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, NECB scores 5 out of 10 in our fundamental rating. NECB was compared to 398 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.

NECB had a positive operating cash flow in the past year.

In the past 5 years NECB has always been profitable.

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

1.2 Ratios

The Return On Assets of NECB (2.34%) is better than 97.74% of its industry peers.

NECB's Return On Equity of 14.79% is amongst the best of the industry. NECB outperforms 91.46% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.34%
ROE	14.79%
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

The Profit Margin of NECB (44.59%) is better than 98.24% 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)	44.59%
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

Compared to 5 years ago, NECB has less shares outstanding

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

2.2 Solvency

The Debt to FCF ratio of NECB is 0.01, which is an excellent value as it means it would take NECB, only 0.01 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of NECB (0.01) is better than 90.20% of its industry peers.

NECB has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.

With an excellent Debt to Equity ratio value of 0.00, NECB belongs to the best of the industry, outperforming 88.19% of the companies in the same industry.

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

ROIC/WACCN/A

WACC14.8%

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

The Earnings Per Share has grown by an nice 14.01% over the past year.

Measured over the past years, NECB shows a very strong growth in Earnings Per Share. The EPS has been growing by 42.49% on average per year.

Looking at the last year, NECB shows a small growth in Revenue. The Revenue has grown by 4.59% in the last year.

NECB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.47% yearly.

EPS 1Y (TTM)14.01%

EPS 3Y67.49%

EPS 5Y42.49%

EPS Q2Q%-2.44%

Revenue 1Y (TTM)4.59%

Revenue growth 3Y32.24%

Revenue growth 5Y20.47%

Sales Q2Q%-4.31%

3.2 Future

The Earnings Per Share is expected to decrease by -3.62% 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 3.85% yearly.

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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 6.34.

95.73% of the companies in the same industry are more expensive than NECB, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 28.78. NECB is valued rather cheaply when compared to this.

NECB is valuated cheaply with a Price/Forward Earnings ratio of 6.99.

88.19% 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 21.32. NECB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	6.34
Fwd PE	6.99

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 86.43% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.6
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as NECB's earnings are expected to decrease with -3.62% in the coming years.

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

With a Yearly Dividend Yield of 3.59%, NECB has a reasonable but not impressive dividend return.

NECB's Dividend Yield is a higher than the industry average which is at 3.52.

Compared to an average S&P500 Dividend Yield of 2.46, NECB pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.59%

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

16.70% of the earnings are spent on dividend by NECB. This is a low number and sustainable payout ratio.

DP16.7%

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 (4/25/2025, 8:26:21 PM)

After market: 22.68 0 (0%)

22.68

+0.4 (+1.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-29 2025-01-29/dmh

Earnings (Next)04-30 2025-04-30

Inst Owners49.62%

Inst Owner Change-38.17%

Ins Owners3.66%

Ins Owner Change-13.07%

Market Cap317.97M

Analysts43.33

Price Target27.54 (21.43%)

Short Float %1%

Short Ratio2.36

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.59%

Yearly Dividend0.56

Dividend Growth(5Y)74.2%

DP16.7%

Div Incr Years1

Div Non Decr Years1

Ex-Date04-07 2025-04-07 (0.2)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-1%

Min EPS beat(2)-4.35%

Max EPS beat(2)2.35%

EPS beat(4)3

Avg EPS beat(4)11.79%

Min EPS beat(4)-4.35%

Max EPS beat(4)32.08%

EPS beat(8)7

Avg EPS beat(8)12.64%

EPS beat(12)9

Avg EPS beat(12)11.84%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-3.2%

Min Revenue beat(2)-5.68%

Max Revenue beat(2)-0.72%

Revenue beat(4)1

Avg Revenue beat(4)-0.5%

Min Revenue beat(4)-5.68%

Max Revenue beat(4)7.02%

Revenue beat(8)4

Avg Revenue beat(8)2.09%

Revenue beat(12)8

Avg Revenue beat(12)3.72%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)-12.9%

PT rev (3m)-12.9%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)6.35%

Revenue NQ rev (1m)-0.27%

Revenue NQ rev (3m)-0.51%

Revenue NY rev (1m)0.33%

Revenue NY rev (3m)0.33%

Valuation

		Industry Rank	Sector Rank
PE	6.34
Fwd PE	6.99
P/S	3.01
P/FCF	6.6
P/OCF	6.53
P/B	1
P/tB	1
EV/EBITDA	N/A

EPS(TTM)3.58

EY15.78%

EPS(NY)3.24

Fwd EY14.3%

FCF(TTM)3.44

FCFY15.15%

OCF(TTM)3.47

OCFY15.31%

SpS7.53

BVpS22.71

TBVpS22.71

PEG (NY)N/A

PEG (5Y)0.15

Profitability

		Industry Rank	Sector Rank
ROA	2.34%
ROE	14.79%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	44.59%
GM	N/A
FCFM	45.63%

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-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.01
Debt/EBITDA	N/A
Cap/Depr	43.59%
Cap/Sales	0.49%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	102.33%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.8%

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)14.01%

EPS 3Y67.49%

EPS 5Y42.49%

EPS Q2Q%-2.44%

EPS Next Y-9.4%

EPS Next 2Y-3.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.59%

Revenue growth 3Y32.24%

Revenue growth 5Y20.47%

Sales Q2Q%-4.31%

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 1Y14.12%

FCF growth 3Y47.18%

FCF growth 5Y36.14%

OCF growth 1Y13.66%

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