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NORTHEAST COMMUNITY BANCORP (NECB) Stock Fundamental Analysis

NASDAQ:NECB - Nasdaq - US6641211007 - Common Stock - Currency: USD

25.71  +0.13 (+0.51%)

After market: 25.71 0 (0%)

Fundamental Rating

5

Overall NECB gets a fundamental rating of 5 out of 10. We evaluated NECB against 405 industry peers in the Banks industry. NECB has only an average score on both its financial health and profitability. NECB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year NECB was profitable.
NECB had a positive operating cash flow in the past year.
NECB had positive earnings in each of the past 5 years.
Each year in the past 5 years NECB had a positive operating cash flow.
NECB Yearly Net Income VS EBIT VS OCF VS FCFNECB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 10M 20M 30M 40M

1.2 Ratios

NECB has a better Return On Assets (2.49%) than 97.74% of its industry peers.
NECB has a Return On Equity of 15.81%. This is amongst the best in the industry. NECB outperforms 94.72% of its industry peers.
Industry RankSector 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
NECB Yearly ROA, ROE, ROICNECB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

NECB has a better Profit Margin (45.88%) than 99.00% 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 RankSector 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
NECB Yearly Profit, Operating, Gross MarginsNECB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 10 20 30 40

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4

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.
The debt/assets ratio for NECB is higher compared to a year ago.
NECB Yearly Shares OutstandingNECB Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 5M 10M 15M
NECB Yearly Total Debt VS Total AssetsNECB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 500M 1B 1.5B

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.
Looking at the Debt to FCF ratio, with a value of 0.01, NECB belongs to the top of the industry, outperforming 91.21% of the companies in the same industry.
A Debt/Equity ratio of 0.00 indicates that NECB is not too dependend on debt financing.
The Debt to Equity ratio of NECB (0.00) is better than 87.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACCN/A
WACC14.4%
NECB Yearly LT Debt VS Equity VS FCFNECB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NECB Yearly Current Assets VS Current LiabilitesNECB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 20M 40M 60M

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6

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.
The Earnings Per Share has been growing by 79.93% on average over the past years. This is a very strong growth
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 4.10% 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 Year5.26%
Revenue Next 2Y2.2%
Revenue Next 3Y4.1%
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.
NECB Yearly Revenue VS EstimatesNECB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
NECB Yearly EPS VS EstimatesNECB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.14, the valuation of NECB can be described as very cheap.
Based on the Price/Earnings ratio, NECB is valued cheaper than 94.97% of the companies in the same industry.
NECB is valuated cheaply when we compare the Price/Earnings ratio to 28.42, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.43, which indicates a very decent valuation of NECB.
NECB's Price/Forward Earnings ratio is rather cheap when compared to the industry. NECB is cheaper than 88.94% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.39, NECB is valued rather cheaply.
Industry RankSector Rank
PE 7.14
Fwd PE 8.43
NECB Price Earnings VS Forward Price EarningsNECB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NECB is valued cheaply inside the industry as 85.43% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.24
EV/EBITDA N/A
NECB Per share dataNECB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.37%, NECB has a reasonable but not impressive dividend return.
NECB's Dividend Yield is slightly below the industry average, which is at 3.19.
Compared to an average S&P500 Dividend Yield of 2.27, NECB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.37%

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.
NECB has decreased its dividend recently.
Dividend Growth(5Y)55.44%
Div Incr Years1
Div Non Decr Years1
NECB Yearly Dividends per shareNECB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

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
NECB Yearly Income VS Free CF VS DividendNECB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 10M 20M 30M 40M
NECB Dividend Payout.NECB Dividend Payout, showing the Payout Ratio.NECB Dividend Payout.PayoutRetained Earnings

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NORTHEAST COMMUNITY BANCORP

NASDAQ:NECB (1/28/2025, 4:30:02 PM)

After market: 25.71 0 (0%)

25.71

+0.13 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2024-10-28/dmh
Earnings (Next)01-31 2025-01-31/amc
Inst Owners43.32%
Inst Owner Change0.9%
Ins Owners3.79%
Ins Owner Change-19.67%
Market Cap360.45M
Analysts43.33
Price Target31.62 (22.99%)
Short Float %0.96%
Short Ratio1.55
Dividend
Industry RankSector Rank
Dividend Yield 2.37%
Yearly Dividend0.24
Dividend Growth(5Y)55.44%
DP9.23%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-03 2025-01-03 (0.15)
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)14.81%
PT rev (3m)14.81%
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)-0.55%
Revenue NY rev (3m)6.97%
Valuation
Industry RankSector Rank
PE 7.14
Fwd PE 8.43
P/S 3.38
P/FCF 7.24
P/OCF 7.15
P/B 1.16
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)3.6
EY14%
EPS(NY)3.05
Fwd EY11.86%
FCF(TTM)3.55
FCFY13.81%
OCF(TTM)3.6
OCFY13.99%
SpS7.61
BVpS22.08
TBVpS22.08
PEG (NY)0.41
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC14.4%
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 Year5.26%
Revenue Next 2Y2.2%
Revenue Next 3Y4.1%
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