Northeast Community Bancorp Inc. (NECB) vs Timberland Bancorp, Inc. (TSBK)

Northeast Community Bancorp Inc. and Timberland Bancorp, Inc. are both Banks Regional companies. Northeast Community Bancorp Inc. and Timberland Bancorp, Inc. are of similar size ($366.6M and $350.7M). Northeast Community Bancorp Inc. trades at the lower P/E: 8.4× against 11.4×. Timberland Bancorp, Inc. grew revenue faster over the last twelve months: 6.43% against −5.05%. Northeast Community Bancorp Inc. has the higher net margin (27.7% vs 26.5%) and the lower return on invested capital (7.83% vs 83.9%). Both pay a dividend; Timberland Bancorp, Inc. yields more (4.34% vs 1.52%). Across the 20 metrics below, Northeast Community Bancorp Inc. leads on 13 and Timberland Bancorp, Inc. on 7.

Valuation

Metric NECB TSBK Banks Regional median
P/E 8.37 11.38 12.15
P/S 2.31 2.99 2.37
P/B 0.98 1.30 1.21
Price to free cash flow 7.27 12.25 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.07 0.94 2.27
Earnings yield 11.95% 8.78% 8.11%
Free cash flow yield 13.76% 8.16% 8.98%

Profitability

Metric NECB TSBK Banks Regional median
Gross margin 67.58% 73.10% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.67% 26.46% 18.66%
Free cash flow margin 31.75% 24.42% 21.18%
Return on equity 12.13% 11.89% 10.64%
Return on assets 2.07% 1.57% 1.13%
Return on invested capital 7.83% 83.89% 8.33%

Growth

Metric NECB TSBK Banks Regional median
Revenue growth (TTM) (5.05%) 6.43% 6.61%
EPS growth (last fiscal year) (9.22%) 21.93% —
Revenue growth, 5-year CAGR 25.17% 9.51% 12.30%
Net income growth, 5-year CAGR 29.22% 3.74% 9.71%

Health

Metric NECB TSBK Banks Regional median
Debt to equity 0.53 0.04 0.22
Current ratio 1.29 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NECB TSBK Banks Regional median
Dividend yield 1.52% 4.34% 3.75%
Payout ratio 0.09 0.27 0.27

Size

Metric NECB TSBK Banks Regional median
Market cap 366.59m 350.68m 921.07m

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