NORTHEAST COMMUNITY BANCORP (NECB)
US6641211007 - Common Stock
NECB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 407 industry peers in the Banks industry. NECB has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on NECB.
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.
Each year in the past 5 years NECB has been profitable.
NECB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
NECB's Return On Assets of 2.49% is amongst the best of the industry. NECB outperforms 97.78% of its industry peers.
The Return On Equity of NECB (15.81%) is better than 94.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 15.81% | ||
| 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 45.88% is amongst the best of the industry. NECB outperforms 98.77% of its industry peers.
NECB's Profit Margin has improved in the last couple of years.
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) | 45.88% | ||
| 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.
Compared to 1 year ago, NECB has less shares outstanding
Compared to 1 year ago, NECB has a worse debt to assets ratio.
2.2 Solvency
NECB has a debt to FCF ratio of 0.01. 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.
The Debt to FCF ratio of NECB (0.01) is better than 91.36% 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.
Looking at the Debt to Equity ratio, with a value of 0.00, NECB belongs to the top of the industry, outperforming 88.15% 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
WACC14.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NECB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.87%, which is quite impressive.
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.
NECB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.47% yearly.
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
NECB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.45% yearly.
NECB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.71% yearly.
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
NECB is valuated cheaply with a Price/Earnings ratio of 7.00.
Based on the Price/Earnings ratio, NECB is valued cheaper than 94.32% of the companies in the same industry.
NECB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
The Price/Forward Earnings ratio is 8.26, which indicates a very decent valuation of NECB.
Based on the Price/Forward Earnings ratio, NECB is valued cheaply inside the industry as 88.15% of the companies are valued more expensively.
NECB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7 | ||
| Fwd PE | 8.26 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 85.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.41
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 2.44%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.21, NECB is paying slightly less dividend.
NECB's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
5.2 History
On average, the dividend of NECB grows each year by 55.44%, which is quite nice.
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)55.44%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
NECB pays out 9.23% of its income as dividend. This is a sustainable payout ratio.
DP9.23%
EPS Next 2Y-1.45%
EPS Next 3YN/A
NORTHEAST COMMUNITY BANCORP
NASDAQ:NECB (12/20/2024, 8:26:44 PM)
After market: 25.1875 0 (-0.01%)25.19
+0.64 (+2.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.32%
Inst Owner Change11.02%
Ins Owners3.79%
Ins Owner Change-19.67%
Market Cap353.16M
Analysts43.33
Price Target27.54 (9.33%)
Short Float %1.07%
Short Ratio1.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
Dividend Growth(5Y)55.44%
DP9.23%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.21%
Min EPS beat(2)2.35%
Max EPS beat(2)32.08%
EPS beat(4)4
Avg EPS beat(4)13.32%
Min EPS beat(4)1.76%
Max EPS beat(4)32.08%
EPS beat(8)7
Avg EPS beat(8)12.51%
EPS beat(12)10
Avg EPS beat(12)13.89%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)3.15%
Min Revenue beat(2)-0.72%
Max Revenue beat(2)7.02%
Revenue beat(4)1
Avg Revenue beat(4)0.45%
Min Revenue beat(4)-2.64%
Max Revenue beat(4)7.02%
Revenue beat(8)5
Avg Revenue beat(8)3.88%
Revenue beat(12)9
Avg Revenue beat(12)4.74%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)38.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)50%
EPS NY rev (1m)0%
EPS NY rev (3m)23.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7 | ||
| Fwd PE | 8.26 | ||
| P/S | 3.31 | ||
| P/FCF | 7.09 | ||
| P/OCF | 7.01 | ||
| P/B | 1.14 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.6
EY14.29%
EPS(NY)3.05
Fwd EY12.11%
FCF(TTM)3.55
FCFY14.1%
OCF(TTM)3.6
OCFY14.28%
SpS7.61
BVpS22.08
TBVpS22.08
PEG (NY)0.41
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 15.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 45.88% | ||
| GM | N/A | ||
| FCFM | 46.66% |
ROA(3y)1.78%
ROA(5y)1.59%
ROE(3y)10.26%
ROE(5y)9.58%
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 3Y15.57%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 52.66% | ||
| Cap/Sales | 0.58% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 101.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.48%
ROIC/WACCN/A
Cap/Depr(3y)297.08%
Cap/Depr(5y)289.63%
Cap/Sales(3y)6.59%
Cap/Sales(5y)6.51%
Profit Quality(3y)105.22%
Profit Quality(5y)102.4%
High Growth Momentum
Growth
EPS 1Y (TTM)25.87%
EPS 3Y79.93%
EPS 5YN/A
EPS Q2Q%18.75%
EPS Next Y17.27%
EPS Next 2Y-1.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.07%
Revenue growth 3Y34.47%
Revenue growth 5YN/A
Sales Q2Q%9.01%
Revenue Next Year5.84%
Revenue Next 2Y0.71%
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 1Y157.06%
FCF growth 3Y43.11%
FCF growth 5YN/A
OCF growth 1Y115.82%
OCF growth 3Y39.85%
OCF growth 5YN/A