NorthEast Community Bancorp, Inc./MD/ (NECB)
Savings Institutions, Not Federally Chartered · Financial Services · $357M
Intrinsic Value (Consensus)
$46.59
Current Price
$25.81
Margin of Safety
+80.5%
80.5% Below Intrinsic Value
Value: $47
Price: $26
Valuation Model Estimates
Current Price: $25.81
DCF (Discounted Cash Flow)
$46.66
Graham Number
$43.15
Earnings Power Value
$31.55
Relative Value (P/E)
$65.00
Dividend Discount Model
$0.36
Consensus Value
$46.59
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
68
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
4/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (14.3%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.25
- EPS (Forward)
- $3.31
- Book Value
- $25.46
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 12.6%
- Debt/Equity
- 20%
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.0%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance