Northeast Community Bancorp (NECB)
NASDAQ:NECB
Want to see NECB full AI Analyst Report?
Top Page
Northeast Community Bancorp
(NASDAQ:NECB)
Select Model
Select Model
Rating:73Outperform
Price Target:
$27.00
â–²(6.55% Upside)
Action:Reiterated
Date:05/27/26
The score is driven primarily by strong financial quality (high profitability and conservative current leverage) and attractive valuation (low P/E and solid dividend yield). This is tempered by weakening recent growth/cash-flow momentum and a largely neutral technical picture with negative MACD.
Positive Factors
High profitability
Sustained high margins indicate durable earning power from core lending and fee activities. Strong operating profitability provides internal capital for loan growth, dividend support, and reserves, helping the bank absorb cyclical revenue swings while funding strategic initiatives long term.
Negative Factors
Slowing revenue growth
A declining top line indicates waning loan or fee expansion and raises pressure on long-run earnings growth. For a lending-driven model, sustained revenue weakness can force tighter underwriting, slower balance sheet expansion, or margin compression, limiting medium-term EPS upside.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability
Sustained high margins indicate durable earning power from core lending and fee activities. Strong operating profitability provides internal capital for loan growth, dividend support, and reserves, helping the bank absorb cyclical revenue swings while funding strategic initiatives long term.
Read all positive factors
Northeast Community Bancorp (NECB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$358.92M
Dividend Yield4.11%
Average Volume (3M)51.78K
Price to Earnings (P/E)7.8
Beta (1Y)0.78
Revenue Growth-4.89%
EPS Growth-7.62%
CountryUS
Employees136
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.32
Shares Outstanding13,815,407
10 Day Avg. Volume47,565
30 Day Avg. Volume51,780
Financial Highlights & Ratios
PEG Ratio-1.05
Price to Book (P/B)0.85
Price to Sales (P/S)1.91
P/FCF Ratio5.90
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue2.25
Enterprise Value/Gross Profit3.37
Enterprise Value/Ebitda5.51
Forecast
1Y Price Target
$26.50Price Target Upside4.58% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.13
Revenue Forecast (FY)$102.82M
Northeast Community Bancorp Business Overview & Revenue Model
Company Description
Northeast Community Bancorp, Inc. functions as the parent entity for NorthEast Community Bank, a financial institution serving both individual clients and corporate entities. Its offerings include a range of deposit options such as checking accoun...
How the Company Makes Money
NECB primarily makes money through net interest income and, to a lesser extent, non-interest income. Net interest income is generated by earning interest and fees on loans and other interest-earning assets and paying interest on deposits and other...
Northeast Community Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 153.65M | 157.37M | 159.84M | 133.70M | 73.59M | 50.75M |
| Gross Profit | 102.70M | 104.08M | 101.88M | 97.44M | 65.02M | 42.04M |
| EBITDA | 62.83M | 63.43M | 66.96M | 65.96M | 35.67M | 16.69M |
| Net Income | 43.80M | 44.41M | 47.07M | 46.28M | 24.84M | 11.90M |
Balance Sheet | ||||||
| Total Assets | 2.03B | 2.06B | 2.01B | 1.76B | 1.42B | 1.23B |
| Cash, Cash Equivalents and Short-Term Investments | 14.00M | 81.28M | 78.36M | 68.77M | 95.41M | 152.37M |
| Total Debt | 25.08M | 75.23M | 4.72M | 69.20M | 23.90M | 31.10M |
| Total Liabilities | 1.67B | 1.71B | 1.69B | 1.48B | 1.16B | 973.69M |
| Stockholders Equity | 356.29M | 351.70M | 318.34M | 279.32M | 261.99M | 251.38M |
Cash Flow | ||||||
| Free Cash Flow | 50.62M | 50.84M | 48.17M | 42.21M | 24.23M | 15.11M |
| Operating Cash Flow | 52.08M | 52.59M | 48.69M | 42.84M | 27.54M | 21.56M |
| Investing Cash Flow | -107.05M | -52.03M | -233.99M | -357.84M | -256.59M | -178.86M |
| Financing Cash Flow | 41.72M | 2.36M | 194.89M | 288.37M | 172.09M | 240.38M |
Northeast Community Bancorp Technical Analysis
Positive
25.34
Price Trends
24.47
Positive
24.04
Positive
22.52
Positive
Market Momentum
0.40
Negative
70.25
Negative
92.21
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NECB, the sentiment is Positive. The current price of 25.34 is above the 20-day moving average (MA) of 24.48, above the 50-day MA of 24.47, and above the 200-day MA of 22.52, indicating a bullish trend. The MACD of 0.40 indicates Negative momentum. The RSI at 70.25 is Negative, neither overbought nor oversold. The STOCH value of 92.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NECB.
Northeast Community Bancorp Risk Analysis
Northeast Community Bancorp disclosed 27 risk factors in its most recent earnings report. Northeast Community Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Northeast Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $378.50M | 9.31 | 10.43% | 3.57% | 8.84% | 43.25% | |
75 Outperform | $334.66M | 8.50 | 11.89% | 3.38% | 3.42% | 38.40% | |
73 Outperform | $358.92M | 7.82 | 12.62% | 4.11% | -4.89% | -7.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $306.38M | 13.62 | 8.60% | 1.48% | 3.75% | 27.19% | |
64 Neutral | $346.73M | 9.40 | 13.08% | 5.24% | 5.29% | 28.67% | |
60 Neutral | $354.20M | 11.61 | 8.48% | 3.59% | 3.42% | 63.88% |
* Financial Sector Average
NECB
Northeast Community Bancorp
25.98
4.85
22.94%
FNLC
First Bancorp
30.75
8.32
37.07%
WSBF
Waterstone Financial
19.62
6.82
53.27%
CZFS
Citizens Financial Services
69.65
14.51
26.32%
PCB
PCB Bancorp
26.59
7.61
40.07%
JMSB
John Marshall Bancorp
21.71
4.59
26.81%
Northeast Community Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Northeast Community Bancorp Shareholders Approve 2026 Equity Plan
Positive
May 26, 2026
At its annual meeting held on May 21, 2026, NorthEast Community Bancorp, Inc. stockholders approved the company’s 2026 Equity Incentive Plan, reinforcing its ability to use equity-based compensation to attract, retain, and motivate directors...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.