NORTHEAST COMMUNITY BANCORP (NECB)
US6641211007 - Common Stock
NECB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. NECB has a medium profitability rating, but doesn't score so well on its financial health evaluation. NECB is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
NECB had positive earnings in the past year.
In the past year NECB had a positive cash flow from operations.
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
With an excellent Return On Assets value of 2.49%, NECB belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
With an excellent Return On Equity value of 16.04%, NECB belongs to the best of the industry, outperforming 94.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 16.04% | ||
| ROIC | N/A |
ROA(3y)1.78%
ROA(5y)1.59%
ROE(3y)10.26%
ROE(5y)9.58%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NECB's Profit Margin of 46.07% is amongst the best of the industry. NECB outperforms 98.75% of its industry peers.
In the last couple of years the Profit Margin of NECB has grown nicely.
NECB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 46.07% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.57%
PM growth 5YN/A
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.
NECB has less shares outstanding than it did 1 year ago.
Compared to 1 year ago, NECB has a worse debt to assets ratio.
2.2 Solvency
NECB has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.84, NECB is in the better half of the industry, outperforming 79.80% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that NECB is not too dependend on debt financing.
The Debt to Equity ratio of NECB (0.14) is better than 67.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.87% 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 79.93% on average per year.
Looking at the last year, NECB shows a quite strong growth in Revenue. The Revenue has grown by 11.07% in the last year.
Measured over the past years, NECB shows a very strong growth in Revenue. The Revenue has been growing by 34.47% on average per year.
EPS 1Y (TTM)25.87%
EPS 3Y79.93%
EPS 5YN/A
EPS Q2Q%18.75%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y34.47%
Revenue growth 5YN/A
Sales Q2Q%9.01%
3.2 Future
Based on estimates for the next years, NECB will show a decrease in Earnings Per Share. The EPS will decrease by -1.45% on average per year.
The Revenue is expected to grow by 0.71% on average over the next years.
EPS Next Y17.27%
EPS Next 2Y-1.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.84%
Revenue Next 2Y0.71%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.17, the valuation of NECB can be described as reasonable.
Based on the Price/Earnings ratio, NECB is valued cheaper than 90.52% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.96, NECB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.64, the valuation of NECB can be described as reasonable.
Based on the Price/Forward Earnings ratio, NECB is valued cheaper than 81.80% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NECB to the average of the S&P500 Index (23.82), we can say NECB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.17 | ||
| Fwd PE | 9.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 81.05% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NECB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y-1.45%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NECB has a Yearly Dividend Yield of 2.07%.
Compared to an average industry Dividend Yield of 3.02, NECB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.23, NECB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
The dividend of NECB is nicely growing with an annual growth rate of 55.44%!
NECB has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)55.44%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
NECB pays out 8.37% of its income as dividend. This is a sustainable payout ratio.
DP8.37%
EPS Next 2Y-1.45%
EPS Next 3YN/A
NORTHEAST COMMUNITY BANCORP
NASDAQ:NECB (11/21/2024, 8:00:01 PM)
After market: 29.4 0 (0%)29.4
-0.21 (-0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap412.19M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.17 | ||
| Fwd PE | 9.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.47
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 16.04% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 46.07% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)25.87%
EPS 3Y79.93%
EPS 5Y
EPS Q2Q%
EPS Next Y17.27%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)11.07%
Revenue growth 3Y34.47%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y