Northeast Community Bancorp, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Southern California Bancorp (San Diego)

Esquire Financial Holdings, Inc.

Arrow Financial Corp.

Northeast Community Bancorp, Inc.

First Financial Corp. (Indiana)

Farmers National Banc Corp.

Capital Bancorp, Inc. (Maryland)

The First Bancorp, Inc. (Maine)

The First of Long Island Corp.

Alerus Financial Corp.

American National Bankshares, Inc. (Virginia)

Why is Northeast Community Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 21.53%

Strong Long Term Fundamental Strength with a 29.21% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 29.21%

Flat results in Mar 26

NII(Q) Lowest at USD 24.13 MM
NET SALES(Q) Lowest at USD 35.97 MM
OPERATING PROFIT(Q) Lowest at USD 14.05 MM

With ROA of 1.28%, it has a attractive valuation with a 0.92 Price to Book Value

Over the past year, while the stock has generated a return of 16.26%, its profits have fallen by -7.1%

High Institutional Holdings at 59.76%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.47% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Northeast Community Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Northeast Community Bancorp, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Northeast Community Bancorp, Inc.

16.26%

2.08

27.16%

S&P 500

22.24%

1.67

13.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

39.35%

EBIT Growth (5y)

16.81%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

24.60%

Pledged Shares

Institutional Holding

59.76%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.92

EV to EBIT

5.13

EV to EBITDA

5.04

EV to Capital Employed

0.92

EV to Sales

2.04

PEG Ratio

Dividend Yield

3.46%

ROCE (Latest)

17.92%

ROE (Latest)

12.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 52.08 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 27.18%

-7What is not working for the Company

NII(Q)

Lowest at USD 24.13 MM

NET SALES(Q)

Lowest at USD 35.97 MM

OPERATING PROFIT(Q)

Lowest at USD 14.05 MM

PRE-TAX PROFIT(Q)

Lowest at USD 14.05 MM

NET PROFIT(Q)

Lowest at USD 9.95 MM

EPS(Q)

Lowest at USD 0.74

Here's what is working for Northeast Community Bancorp, Inc.

Operating Cash Flow

Highest at USD 52.08 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 27.18%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 15.47%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Northeast Community Bancorp, Inc.

NII

Lowest at USD 24.13 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Net Sales

Lowest at USD 35.97 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD 14.05 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Pre-Tax Profit

Lowest at USD 14.05 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 9.95 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.74

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)