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FIRST CAROL FIN (FCBM) vs Northeast Community Bancorp Inc. (NECB)

FIRST CAROL FIN and Northeast Community Bancorp Inc. are both Banks Regional companies. FIRST CAROL FIN and Northeast Community Bancorp Inc. are of similar size ($400.2M and $398.0M). Across the 5 metrics below, Northeast Community Bancorp Inc. leads on 3 and FIRST CAROL FIN on 2.

Valuation

Metric FCBM NECB Banks Regional median
P/E — 9.14 12.46
P/S n/m 2.52 2.41
P/B 0.75 1.07 1.26
Price to free cash flow n/m 7.94 11.00
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 10.94% 7.96%
Free cash flow yield 0.00% 12.59% 8.80%

Profitability

Metric FCBM NECB Banks Regional median
Gross margin — 67.58% 69.75%
Operating margin — 0.00% 0.00%
Net margin — 27.67% 18.88%
Free cash flow margin — 31.75% 17.28%
Return on equity — 12.13% 10.43%
Return on assets — 2.07% 1.14%
Return on invested capital 0.00% 7.83% 8.47%

Growth

Metric FCBM NECB Banks Regional median
Revenue growth (TTM) — (5.05%) 6.94%
EPS growth (last fiscal year) — (9.22%) 18.88%
Revenue growth, 5-year CAGR — 25.17% 12.56%
Net income growth, 5-year CAGR — 29.22% 9.78%

Health

Metric FCBM NECB Banks Regional median
Debt to equity 0.15 0.53 0.20
Current ratio 0.98 1.29 0.94
Net debt to EBITDA — 0.00 0.00

Dividend

Metric FCBM NECB Banks Regional median
Dividend yield — 3.06% 2.64%
Payout ratio — 0.29 0.32

Size

Metric FCBM NECB Banks Regional median
Market cap 400.17m 397.99m 910.32m

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