22.77 USD
+0.16 (+0.71%)
22.95 USD
+0.18 (+0.79%)
Taking everything into account, NECB scores 4 out of 10 in our fundamental rating. NECB was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of NECB while its profitability can be described as average. NECB has a correct valuation and a medium 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.
Each year in the past 5 years NECB has been profitable.
Each year in the past 5 years NECB had a positive operating cash flow.
1.2 Ratios
NECB has a better Return On Assets (2.13%) than 97.42% of its industry peers.
NECB's Return On Equity of 12.74% is amongst the best of the industry. NECB outperforms 85.31% 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
Looking at the Profit Margin, with a value of 42.20%, NECB belongs to the top 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
NECB has a debt to FCF ratio of 3.47. This is a good value and a sign of high solvency as NECB would need 3.47 years to pay back of all of its debts.
The Debt to FCF ratio of NECB (3.47) is worse than 63.92% 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 has a Debt to Equity ratio of 0.50. This is in the lower half of the industry: NECB underperforms 76.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 3.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.51%
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.
NECB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 42.49% yearly.
The Revenue has decreased by -2.71% in the past 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)-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
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
NECB is valuated cheaply with a Price/Earnings ratio of 6.96.
95.62% 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 26.60. NECB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.59, the valuation of NECB can be described as very cheap.
94.59% of the companies in the same industry are more expensive than NECB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, NECB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.96 | ||
| Fwd PE | 6.59 |
4.2 Price Multiples
NECB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NECB is cheaper than 87.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.5 | ||
| 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 2.79, NECB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.93, NECB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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.
NECB has decreased its dividend 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.
The dividend of NECB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.2%
EPS Next 2Y-1.72%
EPS Next 3Y2.05%
22.77
+0.16 (+0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.68%
Inst Owner Change-2.03%
Ins Owners3.62%
Ins Owner Change-19.43%
Market Cap319.46M
Revenue(TTM)103.83M
Net Income(TTM)43.82M
Analysts43.33
Price Target26.01 (14.23%)
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 | 6.96 | ||
| Fwd PE | 6.59 | ||
| P/S | 3.08 | ||
| P/FCF | 6.5 | ||
| P/OCF | 6.28 | ||
| P/B | 0.93 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.27
EY14.36%
EPS(NY)3.46
Fwd EY15.19%
FCF(TTM)3.5
FCFY15.38%
OCF(TTM)3.62
OCFY15.92%
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
WACC19.51%
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 6.96 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%.