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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 1.14
NECB's Cash to Debt is ranked higher than
73% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. NECB: 1.14 )
NECB' s 10-Year Cash to Debt Range
Min: 0.79   Max: No Debt
Current: 1.14

Equity to Asset 0.20
NECB's Equity to Asset is ranked higher than
94% of the 2349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. NECB: 0.20 )
NECB' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.34
Current: 0.2

0.13
0.34
Interest Coverage 0.72
NECB's Interest Coverage is ranked higher than
61% of the 2175 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 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: 6
Z-Score: 0.36
WACC vs ROIC
6.47%
1.81%
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 (%) 13.51
NECB's Operating margin (%) is ranked higher than
55% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.48 vs. NECB: 13.51 )
NECB' s 10-Year Operating margin (%) Range
Min: -34.4   Max: 67.68
Current: 13.51

-34.4
67.68
Net-margin (%) 9.23
NECB's Net-margin (%) is ranked higher than
53% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.33 vs. NECB: 9.23 )
NECB' s 10-Year Net-margin (%) Range
Min: -16.58   Max: 38.59
Current: 9.23

-16.58
38.59
ROE (%) 1.64
NECB's ROE (%) is ranked higher than
51% of the 2380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.85 vs. NECB: 1.64 )
NECB' s 10-Year ROE (%) Range
Min: -2.4   Max: 11.81
Current: 1.64

-2.4
11.81
ROA (%) 0.35
NECB's ROA (%) is ranked higher than
57% of the 2384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. NECB: 0.35 )
NECB' s 10-Year ROA (%) Range
Min: -0.55   Max: 3.84
Current: 0.35

-0.55
3.84
ROC (Joel Greenblatt) (%) 20.77
NECB's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 2346 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 86.24 vs. NECB: 20.77 )
NECB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -86.26   Max: 272.11
Current: 20.77

-86.26
272.11
Revenue Growth (3Y)(%) 0.20
NECB's Revenue Growth (3Y)(%) is ranked higher than
68% of the 2043 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 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 higher than
58% of the 1846 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 higher than
56% of the 1864 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 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) 51.30
NECB's P/E(ttm) is ranked higher than
59% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. NECB: 51.30 )
NECB' s 10-Year P/E(ttm) Range
Min: 10.29   Max: 1283.33
Current: 51.3

10.29
1283.33
Forward P/E 15.75
NECB's Forward P/E is ranked higher than
70% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NECB: 15.75 )
N/A
PE(NRI) 55.70
NECB's PE(NRI) is ranked higher than
64% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.70 vs. NECB: 55.70 )
NECB' s 10-Year PE(NRI) Range
Min: 10.33   Max: 770
Current: 55.7

10.33
770
P/B 0.90
NECB's P/B is ranked higher than
85% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 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 4.86
NECB's P/S is ranked lower than
51% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.68 vs. NECB: 4.86 )
NECB' s 10-Year P/S Range
Min: 3.25   Max: 16.2
Current: 4.86

3.25
16.2
PFCF 21.00
NECB's PFCF is ranked higher than
73% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NECB: 21.00 )
NECB' s 10-Year PFCF Range
Min: 10.03   Max: 66.67
Current: 21

10.03
66.67
POCF 21.67
NECB's POCF is ranked higher than
74% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 81.00 vs. NECB: 21.67 )
NECB' s 10-Year POCF Range
Min: 9.02   Max: 180
Current: 21.67

9.02
180
EV-to-EBIT 36.89
NECB's EV-to-EBIT is ranked higher than
64% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.40 vs. NECB: 36.89 )
NECB' s 10-Year EV-to-EBIT Range
Min: -226.9   Max: 56.9
Current: 36.89

-226.9
56.9
Shiller P/E 271.50
NECB's Shiller P/E is ranked higher than
76% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NECB: 271.50 )
NECB' s 10-Year Shiller P/E Range
Min: 18.65   Max: 286.3
Current: 271.5

18.65
286.3
Days Sales Outstanding 28.83
NECB's Days Sales Outstanding is ranked higher than
90% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NECB: 28.83 )
NECB' s 10-Year Days Sales Outstanding Range
Min: 15.55   Max: 44.51
Current: 28.83

15.55
44.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.63
NECB's Dividend Yield is ranked lower than
67% of the 2226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 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 1.07
NECB's Dividend Payout is ranked higher than
62% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. NECB: 1.07 )
NECB' s 10-Year Dividend Payout Range
Min: 0.03   Max: 1.07
Current: 1.07

0.03
1.07
Dividend growth (3y) 7.70
NECB's Dividend growth (3y) is ranked higher than
78% of the 1338 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 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
70% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 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
90% of the 1686 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
87% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 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) 1.00
NECB's Price/DCF (Projected) is ranked higher than
81% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NECB: 1.00 )
NECB' s 10-Year Price/DCF (Projected) Range
Min: 0.81   Max: 1.18
Current: 1

0.81
1.18
Price/Median PS Value 1.00
NECB's Price/Median PS Value is ranked higher than
84% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. NECB: 1.00 )
NECB' s 10-Year Price/Median PS Value Range
Min: 0.73   Max: 2.73
Current: 1

0.73
2.73
Price/Graham Number 1.50
NECB's Price/Graham Number is ranked higher than
65% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. NECB: 1.50 )
NECB' s 10-Year Price/Graham Number Range
Min: 0.92   Max: 2.79
Current: 1.5

0.92
2.79
Earnings Yield (Greenblatt) 2.90
NECB's Earnings Yield (Greenblatt) is ranked higher than
53% of the 2352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. NECB: 2.90 )
NECB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 121.7
Current: 2.9

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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