(NECB) Northeast Community Bancorp - Ratings and Ratios
Deposits, Loans, Investments, Insurance, Annuities
NECB EPS (Earnings per Share)
NECB Revenue
Description: NECB Northeast Community Bancorp
Northeast Community Bancorp Inc (NASDAQ:NECB) is a bank holding company that provides a range of financial services to individuals and businesses through its subsidiary, NorthEast Community Bank. The companys operations are focused on serving the financial needs of its customers in the New York and Massachusetts regions.
The banks product offerings include various deposit accounts, such as checking and savings accounts, as well as certificates of deposit. It also provides a range of loan products, including construction, commercial, and consumer loans, with a focus on real estate lending. Additionally, the company invests in liquid assets, such as U.S. Treasury obligations and municipal securities, to manage its liquidity and risk.
From a financial performance perspective, Northeast Community Bancorp Inc has demonstrated a return on equity (RoE) of 14.74%, indicating a relatively strong profitability profile. To further evaluate the companys performance, key metrics such as the net interest margin (NIM), efficiency ratio, and loan-to-deposit ratio could be examined. A high NIM would indicate a strong ability to generate income from its lending activities, while a low efficiency ratio would suggest effective cost management. A loan-to-deposit ratio of around 80-90% is generally considered healthy, indicating a good balance between lending activities and deposit growth.
In terms of valuation, the companys price-to-earnings (P/E) ratio is 7.17, which is relatively low compared to its peers in the regional banking industry. This could indicate that the stock is undervalued, presenting a potential buying opportunity. However, further analysis of the companys financial performance, growth prospects, and industry trends would be necessary to confirm this assessment.
NECB Stock Overview
| Market Cap in USD | 281m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2006-07-06 |
NECB Stock Ratings
| Growth Rating | 36.5% |
| Fundamental | 63.9% |
| Dividend Rating | 87.7% |
| Return 12m vs S&P 500 | -14.9% |
| Analyst Rating | 3.0 of 5 |
NECB Dividends
| Dividend Yield 12m | 4.75% |
| Yield on Cost 5y | 18.36% |
| Annual Growth 5y | 37.97% |
| Payout Consistency | 93.2% |
| Payout Ratio | 22.5% |
NECB Growth Ratios
| Growth Correlation 3m | -46.3% |
| Growth Correlation 12m | -63% |
| Growth Correlation 5y | 95.3% |
| CAGR 5y | 22.14% |
| CAGR/Max DD 3y | 0.65 |
| CAGR/Mean DD 3y | 3.09 |
| Sharpe Ratio 12m | 0.70 |
| Alpha | -18.14 |
| Beta | 0.843 |
| Volatility | 28.19% |
| Current Volume | 49.9k |
| Average Volume 20d | 29.9k |
| Stop Loss | 20.4 (-3.7%) |
| Signal | 0.07 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (22.9m TTM) > 0 and > 6% of Revenue (6% = 4.92m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 0.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1998 % (prev -944.1%; Δ -1054 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 51.2m > Net Income 22.9m (YES >=105%, WARN >=100%) |
| Net Debt (140.1m) to EBITDA (63.0m) ratio: 2.22 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.02 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (13.6m) change vs 12m ago 2.90% (target <= -2.0% for YES) |
| Gross Margin 27.35% (prev 67.76%; Δ -40.41pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.20% (prev 7.88%; Δ -3.68pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.08 (EBITDA TTM 63.0m / Interest Expense TTM 58.0m) >= 6 (WARN >= 3) |
Altman Z'' -4.70
| (A) -0.83 = (Total Current Assets 32.5m - Total Current Liabilities 1.67b) / Total Assets 1.97b |
| (B) 0.12 = Retained Earnings (Balance) 230.3m / Total Assets 1.97b |
| (C) 0.03 = EBIT TTM 62.4m / Avg Total Assets 1.95b |
| (D) 0.14 = Book Value of Equity 230.7m / Total Liabilities 1.64b |
| Total Rating: -4.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.91
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 12.57% = 5.0 |
| 3. FCF Margin 60.71% = 7.50 |
| 4. Debt/Equity 0.40 = 2.42 |
| 5. Debt/Ebitda 2.15 = -0.30 |
| 6. ROIC - WACC 2.79% = 3.49 |
| 7. RoE 7.09% = 0.59 |
| 8. Rev. Trend -40.84% = -2.04 |
| 9. Rev. CAGR 0.0% = 0.0 |
| 10. EPS Trend -30.01% = -0.75 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of NECB shares?
Over the past week, the price has changed by -3.64%, over one month by -1.64%, over three months by -6.19% and over the past year by +1.29%.
Is Northeast Community Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NECB is around 22.37 USD . This means that NECB is currently overvalued and has a potential downside of 5.62%.
Is NECB a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the NECB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 25 | 18% |
| Analysts Target Price | 25 | 18% |
| ValueRay Target Price | 25 | 17.8% |
Last update: 2025-09-05 04:53
NECB Fundamental Data Overview
CCE Cash And Equivalents = 20.4m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 6.7021
P/S = 2.7214
P/B = 0.8322
Beta = 0.45
Revenue TTM = 82.0m USD
EBIT TTM = 62.4m USD
EBITDA TTM = 63.0m USD
Long Term Debt = 135.0m USD (from longTermDebt, last quarter)
Short Term Debt = 768.0k USD (from shortTermDebt, last fiscal year)
Debt = 135.8m USD (Calculated: Short Term 768.0k + Long Term 135.0m)
Net Debt = 140.1m USD (from netDebt column, last quarter)
Enterprise Value = 396.1m USD (280.7m + Debt 135.8m - CCE 20.4m)
Interest Coverage Ratio = 1.08 (Ebit TTM 62.4m / Interest Expense TTM 58.0m)
FCF Yield = 12.57% (FCF TTM 49.8m / Enterprise Value 396.1m)
FCF Margin = 60.71% (FCF TTM 49.8m / Revenue TTM 82.0m)
Net Margin = 27.93% (Net Income TTM 22.9m / Revenue TTM 82.0m)
Gross Margin = 27.35% ((Revenue TTM 82.0m - Cost of Revenue TTM 59.6m) / Revenue TTM)
Tobins Q-Ratio = 1.72 (Enterprise Value 396.1m / Book Value Of Equity 230.7m)
Interest Expense / Debt = 10.27% (Interest Expense 13.9m / Debt 135.8m)
Taxrate = 28.43% (18.7m / 65.8m)
NOPAT = 44.7m (EBIT 62.4m * (1 - 28.43%))
Current Ratio = 0.02 (Total Current Assets 32.5m / Total Current Liabilities 1.67b)
Debt / Equity = 0.40 (Debt 135.8m / last Quarter total Stockholder Equity 336.7m)
Debt / EBITDA = 2.15 (Net Debt 140.1m / EBITDA 63.0m)
Debt / FCF = 2.73 (Debt 135.8m / FCF TTM 49.8m)
Total Stockholder Equity = 323.0m (last 4 quarters mean)
RoA = 1.16% (Net Income 22.9m, Total Assets 1.97b )
RoE = 7.09% (Net Income TTM 22.9m / Total Stockholder Equity 323.0m)
RoCE = 13.63% (Ebit 62.4m / (Equity 323.0m + L.T.Debt 135.0m))
RoIC = 11.34% (NOPAT 44.7m / Invested Capital 394.1m)
WACC = 8.54% (E(280.7m)/V(416.5m) * Re(9.12%)) + (D(135.8m)/V(416.5m) * Rd(10.27%) * (1-Tc(0.28)))
Shares Correlation 3-Years: -48.48 | Cagr: -1.23%
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.02% ; FCFE base≈49.2m ; Y1≈60.7m ; Y5≈103.5m
Fair Price DCF = 113.4 (DCF Value 1.44b / Shares Outstanding 12.7m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: -40.84 | Revenue CAGR: 0.0%
Rev Growth-of-Growth: -97.99
EPS Correlation: -30.01 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -98.49
Additional Sources for NECB Stock
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Fund Manager Positions: Dataroma | Stockcircle