Demonstrações financeiras detalhadas de Northeast Community Bancorp, Inc. (NECB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Northeast Community Bancorp, Inc. registou receitas de $157.4M no último exercício, com um CAGR de 5 anos de 25.0%. O lucro líquido atingiu $44.4M, com CAGR de 5 anos de 29.2%.
Margens dos últimos 12 meses: margem bruta 67.0%, margem operacional 39.5%, margem líquida 27.9%. O fluxo de caixa livre cresceu a CAGR de 28.7% em 5 anos.
Ao preço atual de $27.19, NECB negocia a um P/L de 8.51 e um ROE de 12.00%. A capitalização de mercado é de $376M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $30.8M | $40.0M | $50.5M | $57.7M | $51.6M | $50.8M | $73.6M | $133.7M | $159.8M | $157.4M |
| Custo da Receita | $5.5M | $6.6M | $10.6M | $15.8M | $10.8M | $8.7M | $8.6M | $36.3M | $58.0M | $53.3M |
| Lucro Bruto | $25.2M | $33.5M | $39.9M | $41.9M | $40.8M | $42.0M | $65.0M | $97.4M | $101.9M | $104.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $10.8M | $12.0M | $14.4M | $15.4M | $16.6M | $17.9M | $17.2M | $20.9M | $23.3M | $28.5M |
| Despesas Operacionais | $17.1M | $18.9M | $23.1M | $25.0M | $25.1M | $26.5M | $30.6M | $32.7M | $36.1M | $41.8M |
| Lucro Operacional | $8.1M | $14.5M | $16.8M | $17.1M | $15.6M | $15.6M | $34.4M | $64.7M | $65.8M | $62.3M |
| EBITDA | $8.9M | $15.3M | $17.6M | $17.8M | $16.7M | $16.7M | $35.7M | $66.0M | $67.0M | $63.4M |
| Despesas com Juros | $5.4M | $6.5M | $9.5M | $15.0M | $10.0M | $5.1M | $8.1M | $35.3M | $57.2M | $53.4M |
| Lucro Antes de Impostos | $8.1M | $14.5M | $16.8M | $16.9M | $15.6M | $15.6M | $34.4M | $64.7M | $65.8M | $62.3M |
| Imposto | $3.1M | $6.5M | $3.8M | $4.0M | $3.3M | $3.7M | $9.6M | $18.5M | $18.7M | $17.8M |
| Lucro Líquido | $5.0M | $8.1M | $13.0M | $13.0M | $12.3M | $11.9M | $24.8M | $46.3M | $47.1M | $44.4M |
| LPA | $0.42 | $0.67 | $1.09 | $1.08 | $0.76 | $0.75 | $1.61 | $3.32 | $3.58 | $3.35 |
| LPA Diluído | $0.42 | $0.67 | $1.09 | $1.08 | $0.76 | $0.75 | $1.58 | $3.32 | $3.52 | $3.25 |
| Ações em Circulação (Diluídas) | $12.0M | $12.0M | $12.0M | $12.0M | $16.2M | $15.9M | $15.7M | $13.9M | $13.4M | $13.7M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $43.8M | 0 | $51.4M | $127.8M | $69.3M | $152.4M | $95.4M | $68.8M | $78.4M | $81.3M |
| Investimentos de Curto Prazo | $4.0M | 0 | $8.8M | $5000 | $2000 | $1000 | $1000 | 0 | 0 | 0 |
| Contas a Receber | $2.5M | 0 | $4.1M | $4.0M | $3.8M | $4.3M | $8.6M | $12.3M | $13.5M | $12.2M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $50.3M | $49.4M | $64.3M | $131.7M | $73.1M | $156.7M | $104.0M | $81.1M | $91.8M | $93.4M |
| Imobilizado | $14.1M | $13.1M | $15.4M | $20.1M | $22.1M | $26.8M | $28.7M | $30.4M | $29.2M | $30.4M |
| Ágio | $749000 | $749000 | $749000 | $749000 | $651000 | $651000 | $200000 | 0 | 0 | 0 |
| Ativos Intangíveis | $162000 | $101000 | $40000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $734.8M | $815.5M | $871.7M | $955.2M | $968.2M | $1.23B | $1.42B | $1.76B | $2.01B | $2.06B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $17.3M |
| Dívida de Curto Prazo | 0 | $40.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $545.3M | $465.9M | $687.1M | $779.2M | $771.7M | $927.2M | $1.12B | $1.40B | $1.67B | $1.63B |
| Dívida de Longo Prazo | $70.2M | $22.5M | $42.5M | $21.0M | $28.0M | $28.0M | $21.0M | $64.0M | 0 | $70.0M |
| Passivos Totais | $625.3M | $698.6M | $740.7M | $813.1M | $814.4M | $973.7M | $1.16B | $1.48B | $1.69B | $1.71B |
| Reservas | $61.8M | $69.3M | $81.8M | $93.8M | $105.3M | $114.3M | $132.7M | $175.5M | $214.0M | $245.0M |
| Patrimônio Líquido | $109.5M | $116.9M | $129.6M | $142.1M | $153.8M | $251.4M | $262.0M | $279.3M | $318.3M | $351.7M |
| Dívida Total | $70.2M | $62.9M | $42.5M | $22.6M | $31.6M | $31.1M | $23.9M | $69.2M | $4.7M | $75.2M |
| Dívida Líquida | $22.5M | $62.9M | -$17.8M | -$105.2M | -$37.7M | -$121.3M | -$71.5M | $425000 | -$73.6M | -$6.0M |
| Capital de Giro | -$495.0M | -$416.4M | -$622.7M | -$647.4M | -$698.6M | -$770.5M | -$1.02B | -$1.32B | -$1.58B | -$1.54B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $5.0M | $8.1M | $13.0M | $13.0M | $12.3M | $11.9M | $24.8M | $46.3M | $47.1M | $44.4M |
| Depreciação e Amortização | $759000 | $813000 | $818000 | $916000 | $1.1M | $1.1M | $1.2M | $1.2M | $1.2M | $1.2M |
| Compensação em Ações | $177000 | $233000 | $291000 | $299000 | $257000 | $931000 | $1.3M | $3.0M | $3.8M | $1.9M |
| Variação Capital de Giro | -$46000 | $297000 | -$1.1M | $983000 | $2.0M | $4.0M | -$1.4M | -$7.4M | -$3.6M | $4.0M |
| Fluxo de Caixa Operacional | $5.4M | $8.8M | $12.6M | $13.5M | $15.7M | $21.6M | $27.5M | $42.8M | $48.7M | $52.6M |
| CapEx | -$3.2M | -$1.3M | -$3.1M | -$4.0M | -$1.3M | -$6.5M | -$3.3M | -$626000 | -$517000 | -$1.7M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$58000 | -$217000 | 0 | 0 | 0 | 0 | -$9.3M | -$28.7M | -$3.2M | -$1.6M |
| Dividendos Pagos | -$562000 | -$563000 | -$566000 | -$788000 | -$1.0M | -$2.3M | -$6.9M | -$3.7M | -$7.9M | -$13.3M |
| Fluxo de Caixa Livre | $2.2M | $7.4M | $9.5M | $9.4M | $14.4M | $15.1M | $24.2M | $42.2M | $48.2M | $50.8M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +30.2% | +26.2% | +14.2% | -10.7% | -1.6% | +45.0% | +81.7% | +19.6% | -1.6% | |
| Crescimento Lucro Líquido (anual) | +60.1% | +61.8% | -0.6% | -4.8% | -3.4% | +108.7% | +86.3% | +1.7% | -5.7% | |
| Crescimento LPA (anual) | +59.5% | +62.7% | -0.9% | -29.6% | -1.3% | +114.7% | +106.2% | +7.8% | -6.4% | |
| Variação de Ações (anual) | +0.1% | +0.1% | +0.2% | +34.3% | -1.8% | -0.8% | -11.4% | -4.1% | +2.2% | |
| Crescimento FCF (anual) | +230.9% | +27.9% | -0.5% | +52.6% | +4.9% | +60.4% | +74.2% | +14.1% | +5.5% | |
| Margem Bruta | 82.0% | 83.6% | 79.0% | 72.7% | 79.1% | 82.8% | 88.4% | 72.9% | 63.7% | 66.1% |
| Margem Operacional | 26.5% | 36.3% | 33.3% | 29.6% | 30.3% | 30.7% | 46.8% | 48.4% | 41.1% | 39.6% |
| Margem EBITDA | 28.9% | 38.3% | 34.9% | 30.9% | 32.4% | 32.9% | 48.5% | 49.3% | 41.9% | 40.3% |
| Margem Líquida | 16.3% | 20.1% | 25.8% | 22.4% | 23.9% | 23.5% | 33.8% | 34.6% | 29.4% | 28.2% |
| Margem FCF | 7.3% | 18.5% | 18.8% | 16.4% | 27.9% | 29.8% | 32.9% | 31.6% | 30.1% | 32.3% |
| Taxa Efetiva de Imposto | 38.3% | 44.6% | 22.5% | 23.5% | 21.0% | 23.6% | 27.8% | 28.5% | 28.4% | 28.7% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $0.19 | $0.62 | $0.79 | $0.78 | $0.89 | $0.95 | $1.54 | $3.03 | $3.61 | $3.72 |
| Dividendo por Ação | $0.05 | $0.05 | $0.05 | $0.07 | $0.06 | $0.14 | $0.44 | $0.26 | $0.59 | $0.98 |
| Ações em Circulação (Básicas) | $12.0M | $12.0M | $12.0M | $12.0M | $16.2M | $15.9M | $15.4M | $13.9M | $13.1M | $13.3M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 12.00% |
| Retorno sobre capital investido | 7.57% |
| Retorno sobre ativos | 2.01% |
| Margem bruta | 66.99% |
| Margem operacional | 39.45% |
| Margem líquida | 27.87% |
Saúde financeira
| Dívida / Patrimônio | 0.54 |
| Liquidez corrente | 0.01 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.45 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 14.05 | 11.25 | 7.60 | 8.32 | 13.55 | 14.84 | 9.27 | 5.34 | 6.83 | 6.75 |
| P/VP | 0.65 | 0.77 | 0.77 | 0.76 | 1.08 | 0.70 | 0.88 | 0.88 | 1.01 | 0.85 |
| P/V | 2.30 | 2.26 | 1.97 | 1.87 | 3.23 | 3.48 | 3.13 | 1.85 | 2.01 | 1.91 |
| Margem Bruta | 82.0% | 83.6% | 79.0% | 72.7% | 79.1% | 82.8% | 88.4% | 72.9% | 63.7% | 66.1% |
| Margem Operacional | 26.5% | 36.3% | 33.3% | 29.6% | 30.3% | 30.7% | 46.8% | 48.4% | 41.1% | 39.6% |
| Margem Líquida | 16.3% | 20.1% | 25.8% | 22.4% | 23.9% | 23.5% | 33.8% | 34.6% | 29.4% | 28.2% |
Empresas relacionadas: COSO · CZFS · FDBC · FINW · FNLC · JMSB · LNKB
Explorar setor: Financial Services · Banks - Regional
Mais seções de NECB: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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