Northeast Community Bancorp (NECB)
NASDAQ:NECB
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Northeast Community Bancorp
(NASDAQ:NECB)
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Rating:73Outperform
Price Target:
$26.00
â–²(2.60% Upside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by strong underlying financial performance (profitability, leverage, and cash conversion) and attractive valuation (low P/E with a solid dividend yield). These positives are partially offset by weak technical momentum, with multiple indicators pointing to near-term downside pressure.
Positive Factors
Profitability
High trailing margins indicate durable earnings power for a regional bank driven by net interest income and fee businesses. Elevated operating profitability provides buffer against cyclical credit costs, supports internal capital accumulation and sustained shareholder returns over months.
Negative Factors
Revenue Trend
Top-line weakening erodes the base for net interest income growth at a bank reliant on loan and deposit spreads. Persistent revenue declines make sustaining margins and ROE harder, constraining reinvestment and dividend capacity over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
High trailing margins indicate durable earnings power for a regional bank driven by net interest income and fee businesses. Elevated operating profitability provides buffer against cyclical credit costs, supports internal capital accumulation and sustained shareholder returns over months.
Read all positive factors
Northeast Community Bancorp (NECB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$331.43M
Dividend Yield4.11%
Average Volume (3M)51.78K
Price to Earnings (P/E)7.9
Beta (1Y)0.81
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 Cap1.03
Enterprise Value/Revenue2.23
Enterprise Value/Gross Profit3.34
Enterprise Value/Ebitda5.51
Forecast
1Y Price Target
$26.50Price Target Upside4.58% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.22
Revenue Forecast (FY)$102.82M
Northeast Community Bancorp Business Overview & Revenue Model
Company Description
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accou...
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 | 62.24M | 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
24.07
Negative
23.73
Positive
22.24
Positive
Market Momentum
-0.12
Negative
49.53
Neutral
70.70
Neutral
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 24.01, above the 50-day MA of 24.07, and above the 200-day MA of 22.24, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 49.53 is Neutral, neither overbought nor oversold. The STOCH value of 70.70 is Neutral, 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 | $349.32M | 7.46 | 10.43% | 3.57% | 8.84% | 43.25% | |
75 Outperform | $305.59M | 7.07 | 11.89% | 3.38% | 3.42% | 38.40% | |
73 Outperform | $331.43M | 7.88 | 12.62% | 4.11% | -4.89% | -7.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $297.20M | 11.74 | 8.60% | 1.48% | 3.75% | 27.19% | |
64 Neutral | $322.26M | 8.65 | 13.08% | 5.24% | 5.29% | 28.67% | |
60 Neutral | $330.91M | 13.06 | 8.48% | 3.59% | 3.42% | 63.88% |
* Financial Sector Average
NECB
Northeast Community Bancorp
23.99
2.09
9.55%
FNLC
First Bancorp
28.58
6.17
27.51%
WSBF
Waterstone Financial
18.33
6.19
51.03%
CZFS
Citizens Financial Services
63.60
7.01
12.38%
PCB
PCB Bancorp
24.54
5.76
30.66%
JMSB
John Marshall Bancorp
21.06
4.19
24.86%
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.