Northeast Community Bancorp (NECB) AI Stock Analysis

• Market Cap: $321.00M
• Dividend Yield: 2.61%
• Average Volume (3M): 35.30K
• Price to Earnings (P/E): 6.5
• Beta (1Y): 0.88
• Revenue Growth: 11.43%
• EPS Growth: 10.33%
• Country: US
• Employees: 136
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 3.50
• Shares Outstanding: 14,023,376
• 10 Day Avg. Volume: 29,232
• 30 Day Avg. Volume: 35,297
• PEG Ratio: -3.40
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.71
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: 0.60
• Enterprise Value/Gross Profit: 2.52
• Enterprise Value/Ebitda: 1.79
• 1Y Price Target: $27.00
• Price Target Upside: 17.49% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: ―

Northeast Community Bancorp stands out with strong financial performance, highlighted by impressive revenue growth and solid profit margins. The balance sheet is robust, and cash flow generation is healthy, although some data is missing for a complete analysis. Technically, the stock shows moderate momentum, with indicators suggesting caution in the short term. Valuation metrics are favorable, indicating potential undervaluation. Overall, the stock is well-positioned with promising growth prospects and attractive valuation.

Northeast Community Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Northeast Community Bancorp generates revenue primarily through interest income from loans and mortgages it provides to its clients. The bank earns money by charging interest on the funds it lends out, which typically includes commercial real estate loans, multifamily loans, and consumer loans. Additionally, the company generates fee-based income from services such as payment processing, account maintenance fees, and other transaction-related charges. NECB's earnings are also supported by its careful management of interest rates and its ability to maintain a strong deposit base from customers, which provides the capital necessary to fund its lending activities. Strategic partnerships with financial service providers may also contribute to revenue by enhancing the bank's product offerings and expanding its market reach.

Northeast Community Bancorp Financial Statement Overview

Summary

Northeast Community Bancorp demonstrates strong revenue growth and profitability, with a significant Revenue Growth Rate of 58.54% and healthy profit margins. The balance sheet is solid with no debt and a good ROE, although the equity base could be strengthened. Cash flow shows positive growth and operational efficiency, albeit missing some data for a full analysis.

Income Statement

Northeast Community Bancorp shows a robust growth in revenue with a significant Revenue Growth Rate of 58.54% from 2023 to 2024, indicating a strong upward trajectory. The Net Profit Margin for 2024 is healthy at 29.41%, and the EBIT Margin is exceptionally high at 99.74%, indicating efficient cost management. However, the absence of EBITDA data limits a complete profitability analysis.

Balance Sheet

The company exhibits a strong financial position with a Debt-to-Equity Ratio of 0, indicating no debt burden for 2024, which is favorable for stability. The Return on Equity (ROE) is also solid at 14.78%, reflecting effective utilization of equity. However, an Equity Ratio of 15.84% suggests room for strengthening the equity base against total assets.

Cash Flow

The Operating Cash Flow to Net Income Ratio of 1.03 for 2024 indicates good cash generation relative to net income, supporting operational stability. The Free Cash Flow shows a growth rate of 15.37%, signaling improving liquidity. However, the absence of Free Cash Flow to Net Income Ratio due to missing data could provide a more comprehensive cash flow analysis.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
160.01M	100.95M	65.46M	45.65M	41.57M
	Gross Profit
160.01M	99.82M	65.46M	45.65M	41.57M
	EBIT
159.59M	64.90M	41.31M	15.57M	15.61M
	EBITDA
0.00	0.00	35.67M	16.69M	16.68M
	Net Income Common Stockholders
47.07M	46.28M	24.84M	11.90M	12.33M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
15.07M	68.67M	95.41M	152.37M	69.29M
	Total Assets
2.01B	1.76B	1.43B	1.23B	968.22M
	Total Debt
4.72M	69.20M	23.90M	31.10M	31.57M
	Net Debt
-73.64M	425.00K	-71.51M	-121.27M	-37.72M
	Total Liabilities
1.69B	1.48B	1.16B	31.10M	31.57M
	Stockholders Equity
318.34M	279.32M	262.06M	251.38M	153.82M
Cash Flow		Free Cash Flow
48.17M	42.21M	24.23M	15.11M	14.40M
	Operating Cash Flow
48.69M	42.84M	27.54M	21.56M	15.66M
	Investing Cash Flow
-233.99M	-357.84M	-256.59M	-178.86M	-72.12M
	Financing Cash Flow
194.89M	288.37M	172.09M	240.38M	-2.03M

Northeast Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 22.98
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NECB, the sentiment is Negative. The current price of 22.98 is below the 20-day moving average (MA) of 23.34, above the 50-day MA of 22.68, and below the 200-day MA of 24.22, indicating a neutral trend. The MACD of 0.19 indicates Positive momentum. The RSI at 47.39 is Neutral, neither overbought nor oversold. The STOCH value of 21.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NECB.

Northeast Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FSBW	76 Outperform	$297.35M	8.88	11.82%	2.81%	7.52%	-4.22%
NECB	76 Outperform	$321.00M	6.54	15.25%	2.61%	11.43%	10.33%
CIVB	75 Outperform	$342.20M	9.73	9.07%	2.96%	9.51%	-2.12%
CZNC	73 Outperform	$294.24M	10.90	9.83%	5.90%	1.16%	15.00%
PBFS	70 Outperform	$297.83M	15.39	6.04%	―	22.20%	22.55%
FMAO	68 Neutral	$325.94M	11.95	8.18%	3.72%	11.91%	25.59%
Sector *	64 Neutral	$12.64B	9.78	7.67%	17015.08%	12.23%	-6.02%