NASDAQ$NECB

Northeast Community Bancorp Inc · Q4 2022 earnings

Q4 2022 earnings · · Investor relations

Briefing

Reported strong earnings for Q4 2022, driven by loan portfolio performance.

NorthEast Community Bancorp reported a net income of $8.3 million, or $0.54 per share, for the quarter ended December 31, 2022, compared to $4.2 million, or $0.27 per share, for the same period in 2021. The increase in net interest income was primarily due to an increase in interest income offset by an increase in interest expense. Loan demand remained strong with originations and outstanding commitments remaining robust.

  • Net income increased to $8.3 million, or $0.54 per share, compared to $4.2 million, or $0.27 per share, for the same period last year.
  • Net interest income increased by $9.3 million, or 79.6%, due to an increase in interest income offset by an increase in interest expense.
  • Total interest and dividend income increased by $11.7 million, or 91.2%, driven by growth in average balance of interest earning assets and an increase in yield.
  • Non-interest expense increased by $1.9 million, or 27.9% primarily from increases in other operating expense, goodwill impairment loss, and real estate owned expense.

Headline financials

Total Revenue

$21.7M

Previous: $12.3M+77.2%
EPS (adj)

$0.54

Previous: $0.27+100.0%
Non-Performing Assets to Assets

0.1%

No prior period
Tier 1 Leverage Ratio

16.5%

Previous: 16.8%-1.8%
Total Risk-Based Capital

13.5%

Previous: 14.9%-9.3%
Capital Expenditures

$68K

Previous: $752K-91.0%
Free Cash Flow

$13M

Previous: $8.15M+59.7%
Net Income

$8.3M

Previous: $4.2M+97.6%
Cash & Equivalents

$95.3M

Previous: $152M-37.4%
Total Assets

$1.4B

Previous: $1.2B+16.7%

Revenue & EPS history

Northeast Community Bancorp · Revenue · Quarterly

$21.7M

Q4 2022+77.2%vs Q4 2021
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

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 Q4 2022

Historical avgQ4 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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