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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.48
NECB's Cash to Debt is ranked higher than
50% of the 974 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. NECB: 1.48 )
NECB' s 10-Year Cash to Debt Range
Min: 0.79   Max: No Debt
Current: 1.48

Equity to Asset 0.19
NECB's Equity to Asset is ranked higher than
91% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NECB: 0.19 )
NECB' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.35
Current: 0.19

0.14
0.35
Interest Coverage 0.72
NECB's Interest Coverage is ranked lower than
72% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. NECB: 0.72 )
NECB' s 10-Year Interest Coverage Range
Min: 0.33   Max: 3.6
Current: 0.72

0.33
3.6
F-Score: 5
Z-Score: 0.34
WACC vs ROIC
6.81%
1.43%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 10.56
NECB's Operating margin (%) is ranked lower than
85% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. NECB: 10.56 )
NECB' s 10-Year Operating margin (%) Range
Min: -34.4   Max: 67.68
Current: 10.56

-34.4
67.68
Net-margin (%) 7.10
NECB's Net-margin (%) is ranked lower than
86% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. NECB: 7.10 )
NECB' s 10-Year Net-margin (%) Range
Min: -16.58   Max: 38.59
Current: 7.1

-16.58
38.59
ROE (%) 1.28
NECB's ROE (%) is ranked lower than
89% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. NECB: 1.28 )
NECB' s 10-Year ROE (%) Range
Min: -2.4   Max: 11.81
Current: 1.28

-2.4
11.81
ROA (%) 0.27
NECB's ROA (%) is ranked lower than
82% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. NECB: 0.27 )
NECB' s 10-Year ROA (%) Range
Min: -0.55   Max: 3.84
Current: 0.27

-0.55
3.84
ROC (Joel Greenblatt) (%) 16.67
NECB's ROC (Joel Greenblatt) (%) is ranked lower than
81% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. NECB: 16.67 )
NECB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -86.26   Max: 272.11
Current: 16.67

-86.26
272.11
Revenue Growth (3Y)(%) 0.20
NECB's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. NECB: 0.20 )
NECB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 42.7
Current: 0.2

0
42.7
EBITDA Growth (3Y)(%) -7.40
NECB's EBITDA Growth (3Y)(%) is ranked lower than
81% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. NECB: -7.40 )
NECB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 85.4
Current: -7.4

0
85.4
EPS Growth (3Y)(%) -9.70
NECB's EPS Growth (3Y)(%) is ranked lower than
82% of the 1000 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. NECB: -9.70 )
NECB' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 99.3
Current: -9.7

0
99.3
» NECB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 64.50
NECB's P/E(ttm) is ranked lower than
111% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NECB: 64.50 )
NECB' s 10-Year P/E(ttm) Range
Min: 10.29   Max: 1283.33
Current: 64.5

10.29
1283.33
Forward P/E 15.75
NECB's Forward P/E is ranked lower than
92% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. NECB: 15.75 )
N/A
PE(NRI) 66.60
NECB's PE(NRI) is ranked lower than
96% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. NECB: 66.60 )
NECB' s 10-Year PE(NRI) Range
Min: 10.33   Max: 770
Current: 66.6

10.33
770
P/B 0.90
NECB's P/B is ranked higher than
61% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. NECB: 0.90 )
NECB' s 10-Year P/B Range
Min: 0.58   Max: 1.7
Current: 0.9

0.58
1.7
P/S 4.74
NECB's P/S is ranked lower than
103% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NECB: 4.74 )
NECB' s 10-Year P/S Range
Min: 3.25   Max: 16.2
Current: 4.74

3.25
16.2
PFCF 38.70
NECB's PFCF is ranked lower than
115% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. NECB: 38.70 )
NECB' s 10-Year PFCF Range
Min: 10.03   Max: 66.67
Current: 38.7

10.03
66.67
POCF 38.58
NECB's POCF is ranked lower than
93% of the 958 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. NECB: 38.58 )
NECB' s 10-Year POCF Range
Min: 9.02   Max: 180
Current: 38.58

9.02
180
EV-to-EBIT 37.59
NECB's EV-to-EBIT is ranked lower than
87% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.37 vs. NECB: 37.59 )
NECB' s 10-Year EV-to-EBIT Range
Min: -226.9   Max: 56.9
Current: 37.59

-226.9
56.9
Shiller P/E 393.60
NECB's Shiller P/E is ranked lower than
134% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 vs. NECB: 393.60 )
NECB' s 10-Year Shiller P/E Range
Min: 18.65   Max: 394
Current: 393.6

18.65
394
Days Sales Outstanding 30.37
NECB's Days Sales Outstanding is ranked higher than
57% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.65 vs. NECB: 30.37 )
NECB' s 10-Year Days Sales Outstanding Range
Min: 15.55   Max: 44.51
Current: 30.37

15.55
44.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.63
NECB's Dividend Yield is ranked lower than
117% of the 1339 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.50 vs. NECB: 1.63 )
NECB' s 10-Year Dividend Yield Range
Min: 0.25   Max: 2.54
Current: 1.63

0.25
2.54
Dividend Payout 1.09
NECB's Dividend Payout is ranked lower than
112% of the 1089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.28 vs. NECB: 1.09 )
NECB' s 10-Year Dividend Payout Range
Min: 0.43   Max: 3
Current: 1.09

0.43
3
Dividend growth (3y) 7.70
NECB's Dividend growth (3y) is ranked higher than
52% of the 622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. NECB: 7.70 )
NECB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 58.7
Current: 7.7

0
58.7
Yield on cost (5-Year) 1.59
NECB's Yield on cost (5-Year) is ranked lower than
121% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.46 vs. NECB: 1.59 )
NECB' s 10-Year Yield on cost (5-Year) Range
Min: 0.25   Max: 2.53
Current: 1.59

0.25
2.53
Share Buyback Rate 0.90
NECB's Share Buyback Rate is ranked higher than
82% of the 915 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. NECB: 0.90 )
NECB' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.2
Current: 0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
NECB's Price/Tangible Book is ranked higher than
68% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. NECB: 0.90 )
NECB' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 1.68
Current: 0.9

0.64
1.68
Price/DCF (Projected) 0.90
NECB's Price/DCF (Projected) is ranked lower than
81% of the 778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. NECB: 0.90 )
NECB' s 10-Year Price/DCF (Projected) Range
Min: 0.8   Max: 1.26
Current: 0.9

0.8
1.26
Price/Median PS Value 1.00
NECB's Price/Median PS Value is ranked higher than
58% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. NECB: 1.00 )
NECB' s 10-Year Price/Median PS Value Range
Min: 0.73   Max: 3.41
Current: 1

0.73
3.41
Price/Graham Number 1.60
NECB's Price/Graham Number is ranked lower than
108% of the 1193 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NECB: 1.60 )
NECB' s 10-Year Price/Graham Number Range
Min: 0.84   Max: 6.05
Current: 1.6

0.84
6.05
Earnings Yield (Greenblatt) 2.70
NECB's Earnings Yield (Greenblatt) is ranked lower than
87% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NECB: 2.70 )
NECB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 121.7
Current: 2.7

1.8
121.7

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Northeast Community Bancorp Inc is a federally chartered stock holding company established on July 5, 2006 to be the holding company for Northeast Community Bank or the Bank. Northeast Community Bancorp's business activity is the ownership of the outstanding capital stock of the Bank. The Company operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area and its lending territory. The Company attracts deposits from the general public and uses those funds to originate multi-family residential and mixed-use real estate and non-residential loans, which it holds for investment. The Company currently acts as a residential mortgage loan broker for nationally recognized third-party mortgage originators. Under this program, its mortgage brokerage team markets one- to four-family residential mortgage loans, collects loan applications and forwards such documentation to a third-party mortgage originator who makes all credit decisions and originates all loans. It receives an agreed upon fee from the third-party mortgage originator upon the closing of the loan. The Company generates deposits through its main office and eight branch offices. The Company conducts lending activities throughout the Northeastern United States, including New York, Massachusetts, New Jersey, Connecticut and Pennsylvania. Northeast Community Bank, as an insured federal savings bank, is subject to extensive regulation.

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