NECB Valuation

Northeast Community Bancorp Inc

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22.550

-0.16(-0.705%)1D

Overview
Forecast
Valuation
Earnings

NECB Relative Valuation

NECB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NECB is overvalued; if below, it's undervalued.

Historical Valuation

Northeast Community Bancorp Inc (NECB) is now in the Fair zone, suggesting that its current forward PE ratio of 7.14 is considered Fairly compared with the five-year average of 7.28. The fair price of Northeast Community Bancorp Inc (NECB) is between 16.18 to 32.28 according to relative valuation methord.

Relative Value

Fair Zone

16.18-32.28

Current Price：22.55

Fair

7.14

Trailing

Forward

0.00

EV/EBITDA

Northeast Community Bancorp Inc. (NECB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Northeast Community Bancorp Inc. (NECB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.45

Northeast Community Bancorp Inc. (NECB) has a current PS of 2.45. The 5-year average PS is 2.52. The thresholds are as follows: Strongly Undervalued below -0.15, Undervalued between -0.15 and 1.18, Fairly Valued between 3.86 and 1.18, Overvalued between 3.86 and 5.20, and Strongly Overvalued above 5.20. The current Forward PS of 2.45 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Northeast Community Bancorp Inc. (NECB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Northeast Community Bancorp Inc. (NECB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Northeast Community Bancorp Inc (NECB) has a current Price-to-Book (P/B) ratio of 0.85. Compared to its 3-year average P/B ratio of 0.85 , the current P/B ratio is approximately 0.51% higher. Relative to its 5-year average P/B ratio of 0.87, the current P/B ratio is about -1.82% higher. Northeast Community Bancorp Inc (NECB) has a Forward Free Cash Flow (FCF) yield of approximately 18.86%. Compared to its 3-year average FCF yield of 16.12%, the current FCF yield is approximately 17.03% lower. Relative to its 5-year average FCF yield of 12.28% , the current FCF yield is about 53.62% lower.

0.85

P/B

Median3y

0.85

Median5y

0.87

18.86

FCF Yield

Median3y

16.12

Median5y

12.28

Competitors Valuation Multiple

The average P/S ratio for NECB's competitors is 1.92, providing a benchmark for relative valuation. Northeast Community Bancorp Inc Corp (NECB) exhibits a P/S ratio of 2.45, which is 27.36% above the industry average. Given its robust revenue growth of -4.78%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

NECB.O

Northeast Community Bancorp Inc

Blue Ridge Bankshares Inc

Old Point Financial Corp

National Bankshares Inc

Loss

25.52%

199.51M

Performance Decomposition

Market capitalization of NECB decreased by 13.68% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from 6.89 to 6.85.

The secondary factor is the Revenue Growth, contributed -4.78%to the performance.

Overall, the performance of NECB in the past 1 year is driven by P/E Change. Which is more unsustainable.

-4.78%

26.18M → 24.93M

Revenue Growth

-8.35%

48.89 → 44.81

Margin Expansion

-0.55%

6.89 → 6.85

P/E Change

-13.68%