NASDAQ$NECB

Northeast Community Bancorp Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Reported strong earnings driven by loan portfolio performance, despite the continuing COVID-19 pandemic and rising interest rates.

NorthEast Community Bancorp reported a significant increase in net income for the quarter ended September 30, 2022, reaching $7.5 million, compared to $730,000 for the same period in 2021. This growth was primarily driven by the strong performance of the loan portfolio. Total assets increased to $1.3 billion, and net interest income rose substantially due to increased interest income.

  • Net income increased to $7.5 million, or $0.49 per share, compared to $730,000, or $0.05 per share, for the same quarter last year.
  • Total assets grew to $1.3 billion, a 4.9% increase from December 31, 2021.
  • Net interest income increased by 60.0% to $17.5 million, driven by higher interest income from loans and investment securities.
  • Loan portfolio performance remained strong with no non-accrual loans.

Headline financials

Total Revenue

$17.8M

Previous: $11.4M+55.3%
EPS (adj)

$0.49

Previous: $0.05+880.0%
Net Interest Margin

5.9%

Previous: 4.3%+38.0%
Tier 1 Leverage Ratio

16.9%

Previous: 17.1%-0.9%
Total Risk-Based Capital

13.5%

Previous: 15.9%-15.1%
Capital Expenditures

-$3.24M

Previous: -$5.7M+43.2%
Free Cash Flow

$4.31M

Previous: -$4.97M+186.7%
Net Income

$7.54M

Previous: $730K+933.2%
Operating Income

$13.8M

Previous: $8.59M+61.2%
Gross Profit

$17.8M

Previous: $11.4M+55.3%
Cash & Equivalents

$54.9M

Previous: $108M-49.1%
Total Assets

$1.28B

Previous: $1.11B+16.0%

Revenue & EPS history

Northeast Community Bancorp · Revenue · Quarterly

$17.8M

Q3 2022+55.3%vs Q3 2021
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Forward guidance

This press release contains certain forward-looking statements. Forward-looking statements include statements regarding anticipated future events and can be identified by the fact that they do not relate strictly to historical or current facts.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2022

Historical avgQ3 2022

+1.1%

Avg return

Earnings day

+1.6%

Avg return

5 days after

+2.2%

Avg return

30 days after

66%

25 / 38 earnings

Positive

+20.1%

Q2 2010

Best reaction

-12.8%

Q1 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.5%-0.5%-0.2%
Q4 2025+0.9%+7.8%+6.0%
Q3 2025-0.1%-3.0%+5.3%
Q2 2025-0.9%-1.4%-3.3%
Q1 2025+1.2%+0.8%-1.0%
Q4 2024-0.6%+4.6%-4.6%
Q3 2024-0.8%-5.0%+10.7%
Q2 2024+9.9%+12.5%+7.2%
Q1 2024+2.8%+2.1%+12.2%
Q4 2023-2.4%-6.4%-9.8%
Q3 2023+7.1%+5.4%+17.3%
Q2 2023+3.2%+2.6%+3.3%
Q1 2023+0.3%-1.1%+1.8%
Q4 2022+2.3%+1.3%+2.3%
Q3 2022+1.4%+2.8%+8.8%
Q2 2022+0.2%+1.3%+6.1%
Q1 2022+0.7%+0.9%+1.8%
Q4 2021+2.2%+9.7%+4.6%
Q3 2021+1.4%+1.7%-1.2%
Q2 2021-0.2%-0.5%+0.5%
Q1 2021-0.4%-0.4%-9.9%
Q4 2020-0.4%-0.4%-9.9%
Q1 2014+3.4%
Q3 2013+0.2%
Q2 2013-0.6%
Q1 2013+0.0%
Q4 2012+0.8%
Q3 2012+0.2%
Q2 2012+3.0%
Q1 2012+0.5%
Q4 2011+1.4%
Q3 2011+1.8%
Q2 2011+0.2%
Q1 2011+0.2%
Q4 2010+2.4%
Q3 2010-1.4%
Q2 2010+20.1%
Q1 2010-12.8%

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