Provides checking and savings accounts to individuals and businesses. Offers commercial and industrial loans to businesses. Now — the numbers.
This is an established company with proven profits.
Average growth of 33% a year over the last 4 years. Every year shown ended in profit.
The market pays 8.3× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 97% of them.
Analysts' average target sits 10% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 14% off the top. A pullback, not a collapse.
The net profit margin is 28% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 33% a year on average.
It pays out $1.05 per share each year — regular cash for whoever holds the stock.
Over the last 12 months, executives reported 24 sells against just 4 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, NECB sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: NECB is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.