22.9 USD
-0.06 (-0.26%)
22.9 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NECB. NECB was compared to 388 industry peers in the Banks industry. While NECB is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
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
With an excellent Return On Assets value of 2.13%, NECB belongs to the best of the industry, outperforming 97.42% of the companies in the same industry.
With an excellent Return On Equity value of 12.74%, NECB belongs to the best of the industry, outperforming 85.05% of the companies in the same industry.
| 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 96.91% of the companies in the same industry.
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) | 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.
The number of shares outstanding for NECB has been reduced compared to 1 year ago.
NECB has less shares outstanding than it did 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 worse Debt to FCF ratio (3.47) than 64.18% of its industry peers.
A Debt/Equity ratio of 0.50 indicates that NECB is not too dependend on debt financing.
NECB has a worse Debt to Equity ratio (0.50) than 76.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 3.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NECB have decreased by -9.17% in the last year.
The Earnings Per Share has been growing by 42.49% on average over the past years. This is a very strong growth
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.
The Revenue is expected to grow by 2.72% on average over the next years.
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
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
Based on the Price/Earnings ratio of 7.00, the valuation of NECB can be described as very cheap.
Based on the Price/Earnings ratio, NECB is valued cheaper than 95.62% of the companies in the same industry.
When comparing the Price/Earnings ratio of NECB to the average of the S&P500 Index (26.84), we can say NECB is valued rather cheaply.
A Price/Forward Earnings ratio of 6.62 indicates a rather cheap valuation of NECB.
Based on the Price/Forward Earnings ratio, NECB is valued cheaper than 94.33% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.40, NECB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7 | ||
| Fwd PE | 6.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 87.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.54 | ||
| 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 3.50%. 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 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, NECB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
5.2 History
The dividend of NECB is nicely growing with an annual growth rate of 74.20%!
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
27.20% of the earnings are spent on dividend by NECB. This is a low number and 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%
22.9
-0.06 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.61%
Inst Owner Change-2.03%
Ins Owners3.66%
Ins Owner Change-19.43%
Market Cap321.29M
Revenue(TTM)103.83M
Net Income(TTM)43.82M
Analysts43.33
Price Target26.01 (13.58%)
Short Float %0.74%
Short Ratio1.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
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)2%
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 | 7 | ||
| Fwd PE | 6.62 | ||
| P/S | 3.09 | ||
| P/FCF | 6.54 | ||
| P/OCF | 6.32 | ||
| P/B | 0.93 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.27
EY14.28%
EPS(NY)3.46
Fwd EY15.1%
FCF(TTM)3.5
FCFY15.29%
OCF(TTM)3.62
OCFY15.83%
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
WACC19.41%
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.
Can you provide the valuation status for NORTHEAST COMMUNITY BANCORP?
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.
How financially healthy is NORTHEAST COMMUNITY BANCORP?
The financial health rating of NORTHEAST COMMUNITY BANCORP (NECB) is 2 / 10.
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%.