NECB Fundamental Analysis - NORTHEAST COMMUNITY BANCORP

Fundamental Rating

NECB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and the financial health of NECB get a neutral evaluation. Nothing too spectacular is happening here. NECB is not valued too expensively and it also shows a decent growth rate.

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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.

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 2.39%, NECB belongs to the best of the industry, outperforming 98.22% of the companies in the same industry.

Looking at the Return On Equity, with a value of 14.14%, NECB belongs to the top of the industry, outperforming 90.08% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.39%
ROE	14.14%
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

NECB's Profit Margin of 43.84% is amongst the best of the industry. NECB outperforms 97.71% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	43.84%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

NECB has a better debt/assets ratio than last year.

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.

NECB's Debt to FCF ratio of 0.01 is amongst the best of the industry. NECB outperforms 90.08% 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 87.28% 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

WACC20.05%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

NECB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.90%.

The Earnings Per Share has been growing by 42.49% on average over the past years. This is a very strong growth

The Revenue has been growing slightly by 0.07% 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)-2.9%

EPS 3Y67.49%

EPS 5Y42.49%

EPS Q2Q%-15.46%

Revenue 1Y (TTM)0.07%

Revenue growth 3Y32.24%

Revenue growth 5Y20.47%

Sales Q2Q%-3.79%

3.2 Future

Based on estimates for the next years, NECB will show a decrease in Earnings Per Share. The EPS will decrease by -4.37% on average per year.

The Revenue is expected to grow by 2.72% on average over the next years.

EPS Next Y-9.11%

EPS Next 2Y-4.37%

EPS Next 3YN/A

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

NECB is valuated cheaply with a Price/Earnings ratio of 6.49.

Based on the Price/Earnings ratio, NECB is valued cheaply inside the industry as 95.67% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 26.73, NECB is valued rather cheaply.

With a Price/Forward Earnings ratio of 6.64, the valuation of NECB can be described as very cheap.

Compared to the rest of the industry, the Price/Forward Earnings ratio of NECB indicates a rather cheap valuation: NECB is cheaper than 92.88% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of NECB to the average of the S&P500 Index (34.61), we can say NECB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.49
Fwd PE	6.64

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NECB is valued cheaper than 86.77% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.64
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as NECB's earnings are expected to decrease with -4.37% in the coming years.

PEG (NY)N/A

PEG (5Y)0.15

EPS Next 2Y-4.37%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

NECB has a Yearly Dividend Yield of 3.98%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.54, NECB pays a bit more dividend than its industry peers.

NECB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	3.98%

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

NECB pays out 19.70% of its income as dividend. This is a sustainable payout ratio.

DP19.7%

EPS Next 2Y-4.37%

EPS Next 3YN/A

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NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (8/12/2025, 4:30:01 PM)

After market: 21.73 0 (0%)

21.73

+1.06 (+5.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/dmh

Earnings (Next)10-27 2025-10-27

Inst Owners50.29%

Inst Owner Change1.37%

Ins Owners3.85%

Ins Owner Change-1.05%

Market Cap304.65M

Analysts43.33

Price Target25.5 (17.35%)

Short Float %0.82%

Short Ratio3.16

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.98%

Yearly Dividend0.56

Dividend Growth(5Y)74.2%

DP19.7%

Div Incr Years1

Div Non Decr Years1

Ex-Date07-07 2025-07-07 (0.2)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.52%

Min EPS beat(2)-4.35%

Max EPS beat(2)-0.69%

EPS beat(4)2

Avg EPS beat(4)7.35%

Min EPS beat(4)-4.35%

Max EPS beat(4)32.08%

EPS beat(8)6

Avg EPS beat(8)9.59%

EPS beat(12)9

Avg EPS beat(12)12.28%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-3.78%

Min Revenue beat(2)-5.68%

Max Revenue beat(2)-1.89%

Revenue beat(4)1

Avg Revenue beat(4)-0.32%

Min Revenue beat(4)-5.68%

Max Revenue beat(4)7.02%

Revenue beat(8)3

Avg Revenue beat(8)1.08%

Revenue beat(12)7

Avg Revenue beat(12)3.3%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)-7.41%

PT rev (3m)-7.41%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0.31%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.14%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.87%

Valuation

		Industry Rank	Sector Rank
PE	6.49
Fwd PE	6.64
P/S	2.89
P/FCF	6.64
P/OCF	6.52
P/B	0.93
P/tB	0.93
EV/EBITDA	N/A

EPS(TTM)3.35

EY15.42%

EPS(NY)3.27

Fwd EY15.07%

FCF(TTM)3.27

FCFY15.06%

OCF(TTM)3.33

OCFY15.34%

SpS7.53

BVpS23.34

TBVpS23.34

PEG (NY)N/A

PEG (5Y)0.15

Profitability

		Industry Rank	Sector Rank
ROA	2.39%
ROE	14.14%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.84%
GM	N/A
FCFM	43.48%

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-Score4

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.01
Debt/EBITDA	N/A
Cap/Depr	70.01%
Cap/Sales	0.79%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	99.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC20.05%

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)-2.9%

EPS 3Y67.49%

EPS 5Y42.49%

EPS Q2Q%-15.46%

EPS Next Y-9.11%

EPS Next 2Y-4.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.07%

Revenue growth 3Y32.24%

Revenue growth 5Y20.47%

Sales Q2Q%-3.79%

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 1Y26.98%

FCF growth 3Y47.18%

FCF growth 5Y36.14%

OCF growth 1Y24.06%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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