Northeast Community Bancorp, Inc. Logo

Northeast Community Bancorp, Inc.

NECB

(4.0)
Stock Price

25,19 USD

2.49% ROA

16.63% ROE

6.72x PER

Market Cap.

346.449.026,00 USD

15.67% DER

2.27% Yield

33.76% NPM

Northeast Community Bancorp, Inc. Stock Analysis

Northeast Community Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Northeast Community Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (15.92%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

The stock's low PBV ratio (0.92x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (24%), which means it has a small amount of debt compared to the ownership it holds

4 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

6 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

7 ROA

The stock's ROA (2.47%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

9 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (86), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Northeast Community Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Northeast Community Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Northeast Community Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Northeast Community Bancorp, Inc. Revenue
Year Revenue Growth
2001 10.649.000
2002 12.304.000 13.45%
2003 0 0%
2004 10.814.000 100%
2005 11.076.000 2.37%
2006 11.474.000 3.47%
2007 31.451.000 63.52%
2008 15.191.000 -107.04%
2009 15.783.000 3.75%
2010 19.849.000 20.48%
2011 18.866.000 -5.21%
2012 18.853.000 -0.07%
2013 17.350.000 -8.66%
2014 18.393.000 5.67%
2015 20.068.000 8.35%
2016 30.282.000 33.73%
2017 39.496.000 23.33%
2018 49.957.000 20.94%
2019 56.152.000 11.03%
2020 41.574.000 -35.07%
2021 45.650.000 8.93%
2022 65.460.000 30.26%
2023 101.400.000 35.44%
2023 135.862.000 25.37%
2024 163.844.000 17.08%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Northeast Community Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Northeast Community Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 4.201.000 100%
2005 4.136.000 -1.57%
2006 4.604.000 10.17%
2007 5.189.000 11.27%
2008 6.698.000 22.53%
2009 8.133.000 17.64%
2010 8.392.000 3.09%
2011 8.407.000 0.18%
2012 12.322.000 31.77%
2013 10.502.000 -17.33%
2014 11.113.000 5.5%
2015 10.951.000 -1.48%
2016 1.064.000 -929.23%
2017 1.184.000 10.14%
2018 1.204.000 1.66%
2019 1.599.000 24.7%
2020 16.435.000 90.27%
2021 14.996.000 -9.6%
2022 15.549.000 3.56%
2023 18.800.000 17.29%
2023 20.408.000 7.88%
2024 22.732.000 10.22%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Northeast Community Bancorp, Inc. EBITDA
Year EBITDA Growth
2001 11.448.000
2002 10.260.000 -11.58%
2003 2.392.000 -328.93%
2004 5.888.000 59.38%
2005 7.335.000 19.73%
2006 7.209.000 -1.75%
2007 27.794.000 74.06%
2008 12.480.000 -122.71%
2009 5.426.000 -130%
2010 12.040.000 54.93%
2011 9.441.000 -27.53%
2012 -311.000 3135.69%
2013 5.546.000 105.61%
2014 6.683.000 17.01%
2015 8.311.000 19.59%
2016 -478.000 1838.7%
2017 -62.000 -670.97%
2018 -211.000 70.62%
2019 -155.000 -36.13%
2020 16.678.000 100.93%
2021 16.691.000 0.08%
2022 42.556.000 60.78%
2023 65.116.000 34.65%
2023 1.223.000 -5224.28%
2024 -108.000 1232.41%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Northeast Community Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2001 10.649.000
2002 12.304.000 13.45%
2003 0 0%
2004 10.814.000 100%
2005 11.076.000 2.37%
2006 11.474.000 3.47%
2007 31.451.000 63.52%
2008 15.191.000 -107.04%
2009 15.783.000 3.75%
2010 19.849.000 20.48%
2011 18.866.000 -5.21%
2012 18.853.000 -0.07%
2013 17.350.000 -8.66%
2014 18.393.000 5.67%
2015 20.068.000 8.35%
2016 30.282.000 33.73%
2017 39.496.000 23.33%
2018 49.957.000 20.94%
2019 56.152.000 11.03%
2020 41.574.000 -35.07%
2021 45.650.000 8.93%
2022 65.460.000 30.26%
2023 101.400.000 35.44%
2023 136.156.000 25.53%
2024 163.844.000 16.9%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Northeast Community Bancorp, Inc. Net Profit
Year Net Profit Growth
2001 2.012.000
2002 3.301.000 39.05%
2003 2.392.000 -38%
2004 1.563.000 -53.04%
2005 1.990.000 21.46%
2006 1.558.000 -27.73%
2007 12.137.000 87.16%
2008 2.102.000 -477.4%
2009 -2.616.000 180.35%
2010 1.868.000 240.04%
2011 2.355.000 20.68%
2012 -2.514.000 193.68%
2013 1.137.000 321.11%
2014 1.697.000 33%
2015 2.342.000 27.54%
2016 5.027.000 53.41%
2017 8.050.000 37.55%
2018 13.027.000 38.21%
2019 12.953.000 -0.57%
2020 12.329.000 -5.06%
2021 11.905.000 -3.56%
2022 24.843.000 52.08%
2023 47.372.000 47.56%
2023 46.276.000 -2.37%
2024 51.192.000 9.6%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Northeast Community Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 2 100%
2023 3 66.67%
2023 3 0%
2024 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Northeast Community Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2004 1.406.000
2005 2.284.000 38.44%
2006 -4.902.000 146.59%
2007 6.341.000 177.31%
2008 2.829.000 -124.14%
2009 -7.490.000 137.77%
2010 6.387.000 217.27%
2011 2.821.000 -126.41%
2012 -3.463.000 181.46%
2013 1.596.000 316.98%
2014 4.271.000 62.63%
2015 1.694.000 -152.13%
2016 2.240.000 24.38%
2017 7.413.000 69.78%
2018 9.479.000 21.8%
2019 10.299.001 7.96%
2020 14.401.000 28.48%
2021 15.105.000 4.66%
2022 24.235.000 37.67%
2023 42.209.000 42.58%
2023 0 0%
2024 10.989.000 100%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Northeast Community Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2004 1.713.000
2005 2.391.000 28.36%
2006 1.807.000 -32.32%
2007 -2.543.000 171.06%
2008 3.225.000 178.85%
2009 -2.938.000 209.77%
2010 6.596.000 144.54%
2011 5.649.000 -16.76%
2012 640.000 -782.66%
2013 1.734.000 63.09%
2014 4.449.000 61.02%
2015 2.791.000 -59.41%
2016 5.432.000 48.62%
2017 8.750.000 37.92%
2018 12.625.000 30.69%
2019 14.343.000 11.98%
2020 15.663.000 8.43%
2021 21.556.000 27.34%
2022 27.539.000 21.73%
2023 42.835.000 35.71%
2023 0 0%
2024 11.122.000 100%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Northeast Community Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2004 307.000
2005 107.000 -186.92%
2006 6.709.000 98.41%
2007 -8.884.000 175.52%
2008 396.000 2343.43%
2009 4.552.000 91.3%
2010 209.000 -2077.99%
2011 2.828.000 92.61%
2012 4.103.000 31.07%
2013 138.000 -2873.19%
2014 178.000 22.47%
2015 1.097.000 83.77%
2016 3.192.000 65.63%
2017 1.337.000 -138.74%
2018 3.146.000 57.5%
2019 4.043.999 22.21%
2020 1.262.000 -220.44%
2021 6.451.000 80.44%
2022 3.304.000 -95.25%
2023 626.000 -427.8%
2023 0 0%
2024 133.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Northeast Community Bancorp, Inc. Equity
Year Equity Growth
2001 33.772.000
2002 37.192.000 9.2%
2004 41.146.000 9.61%
2005 43.120.000 4.58%
2006 96.751.000 55.43%
2007 108.829.000 11.1%
2008 110.502.000 1.51%
2009 107.448.000 -2.84%
2010 108.139.000 0.64%
2011 107.065.000 -1%
2012 103.849.000 -3.1%
2013 104.168.000 0.31%
2014 103.810.000 -0.34%
2015 105.047.000 1.18%
2016 109.452.000 4.02%
2017 116.897.000 6.37%
2018 129.618.000 9.81%
2019 142.113.000 8.79%
2020 153.825.000 7.61%
2021 251.382.000 38.81%
2022 262.063.000 4.08%
2023 272.413.000 3.8%
2023 279.325.000 2.47%
2024 299.975.000 6.88%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Northeast Community Bancorp, Inc. Assets
Year Assets Growth
2001 251.464.000
2002 234.331.000 -7.31%
2004 237.300.000 1.25%
2005 238.821.000 0.64%
2006 288.417.000 17.2%
2007 343.895.000 16.13%
2008 424.228.000 18.94%
2009 527.276.000 19.54%
2010 466.008.000 -13.15%
2011 489.289.000 4.76%
2012 444.224.000 -10.14%
2013 458.225.000 3.06%
2014 515.425.000 11.1%
2015 593.605.000 13.17%
2016 734.822.000 19.22%
2017 815.523.000 9.9%
2018 871.691.000 6.44%
2019 955.492.000 8.77%
2020 968.221.000 1.31%
2021 1.225.070.000 20.97%
2022 1.425.037.000 14.03%
2023 1.719.945.000 17.15%
2023 1.764.632.000 2.53%
2024 1.930.188.000 8.58%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Northeast Community Bancorp, Inc. Liabilities
Year Liabilities Growth
2001 217.692.000
2002 197.139.000 -10.43%
2004 196.154.000 -0.5%
2005 195.701.000 -0.23%
2006 191.666.000 -2.11%
2007 235.066.000 18.46%
2008 313.726.000 25.07%
2009 419.828.000 25.27%
2010 357.869.000 -17.31%
2011 382.224.000 6.37%
2012 340.375.000 -12.29%
2013 354.057.000 3.86%
2014 411.615.000 13.98%
2015 488.558.000 15.75%
2016 625.280.000 21.87%
2017 698.626.000 10.5%
2018 784.534.000 10.95%
2019 813.379.000 3.55%
2020 31.575.000 -2476.02%
2021 31.100.000 -1.53%
2022 1.162.974.000 97.33%
2023 66.552.000 -1647.47%
2023 1.485.307.000 95.52%
2024 1.630.213.000 8.89%

Northeast Community Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
10.97
Net Income per Share
3.68
Price to Earning Ratio
6.72x
Price To Sales Ratio
2.41x
POCF Ratio
6.61
PFCF Ratio
7.17
Price to Book Ratio
1.08
EV to Sales
1.98
EV Over EBITDA
17.2
EV to Operating CashFlow
5.81
EV to FreeCashFlow
5.89
Earnings Yield
0.15
FreeCashFlow Yield
0.14
Market Cap
0,35 Bil.
Enterprise Value
0,28 Bil.
Graham Number
43.55
Graham NetNet
-119.87

Income Statement Metrics

Net Income per Share
3.68
Income Quality
1.02
ROE
0.17
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.72
EBT Per Ebit
0.79
Ebit per Revenue
0.6
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.11
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.6
Pretax Profit Margin
0.47
Net Profit Margin
0.34

Dividends

Dividend Yield
0.02
Dividend Yield %
2.27
Payout Ratio
0.08
Dividend Per Share
0.56

Operating Metrics

Operating Cashflow per Share
3.74
Free CashFlow per Share
3.69
Capex to Operating CashFlow
0.01
Capex to Revenue
0
Capex to Depreciation
0.52
Return on Invested Capital
0.18
Return on Tangible Assets
0.02
Days Sales Outstanding
34.26
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
10.65
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.05

Balance Sheet

Cash per Share
8,82
Book Value per Share
22,93
Tangible Book Value per Share
22.93
Shareholders Equity per Share
22.93
Interest Debt per Share
5.55
Debt to Equity
0.16
Debt to Assets
0.02
Net Debt to EBITDA
-3.75
Current Ratio
0.45
Tangible Asset Value
0,30 Bil.
Net Current Asset Value
-1,50 Bil.
Invested Capital
-126937001
Working Capital
-0,16 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-123879000
Debt to Market Cap
0.14

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Northeast Community Bancorp, Inc. Dividends
Year Dividends Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 1 0%

Northeast Community Bancorp, Inc. Profile

About Northeast Community Bancorp, Inc.

Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.

CEO
Mr. Kenneth A. Martinek
Employee
135
Address
325 Hamilton Avenue
White Plains, 10601

Northeast Community Bancorp, Inc. Executives & BODs

Northeast Community Bancorp, Inc. Executives & BODs
# Name Age
1 Ms. Anne Stevenson-DeBlasi
Corporate Secretary
70
2 Mr. Jose M. Collazo
President, Chief Operating Officer & Director
70
3 Mr. Kenneth A. Martinek
Chairman & Chief Executive Officer
70
4 Mr. Donald S. Hom
Executive Vice President & Chief Financial Officer
70

Northeast Community Bancorp, Inc. Competitors