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Northeast Community (NECB)
:NECB
US Market

Northeast Community Bancorp (NECB) AI Stock Analysis

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Northeast Community Bancorp

(NASDAQ:NECB)

Rating:75Outperform
Price Target:
$25.00
▲(1.30%Upside)
Northeast Community Bancorp's robust financial performance and attractive valuation are the primary strengths driving its score. However, technical indicators suggest a lack of momentum, which slightly tempers the overall outlook.

Northeast Community Bancorp (NECB) vs. SPDR S&P 500 ETF (SPY)

Northeast Community Bancorp Business Overview & Revenue Model

Company DescriptionNortheast Community Bancorp (NECB) is a financial holding company headquartered in White Plains, New York. It operates primarily through its wholly-owned subsidiary, Northeast Community Bank, which offers a range of financial products and services. The company predominantly serves customers in the Northeastern United States, focusing on providing traditional banking services such as savings accounts, checking accounts, and certificates of deposit. Additionally, NECB is engaged in lending activities, including commercial real estate loans, multi-family mortgage loans, and construction loans, catering to both individual and business clients.
How the Company Makes MoneyNortheast Community Bancorp generates revenue primarily through the interest income earned from its lending activities. The company issues loans, including commercial real estate, multi-family, and construction loans, and earns interest on the principal amount lent to borrowers. Another significant revenue stream is the interest income from investment securities. The company also earns non-interest income from fees and service charges associated with deposit accounts and other financial services. Additionally, NECB may engage in strategic partnerships and investments to enhance its financial performance, though specific partnerships contributing to earnings are not detailed.

Northeast Community Bancorp Financial Statement Overview

Summary
Northeast Community Bancorp demonstrates strong revenue growth and profitability, with an impressive EBIT Margin and effective cost control. The balance sheet is robust with no debt and a healthy ROE, though a higher equity base could enhance financial stability. Cash flow performance is positive, showing growth and operational efficiency, though a more complete cash flow analysis would provide additional insights. Overall, the company is in a strong financial position with promising growth prospects.
Income Statement
85
Very Positive
Northeast Community Bancorp shows a robust growth in revenue with a significant Revenue Growth Rate of 58.54% from 2023 to 2024, indicating a strong upward trajectory. The Net Profit Margin for 2024 is healthy at 29.41%, and the EBIT Margin is exceptionally high at 99.74%, indicating efficient cost management. However, the absence of EBITDA data limits a complete profitability analysis.
Balance Sheet
80
Positive
The company exhibits a strong financial position with a Debt-to-Equity Ratio of 0, indicating no debt burden for 2024, which is favorable for stability. The Return on Equity (ROE) is also solid at 14.78%, reflecting effective utilization of equity. However, an Equity Ratio of 15.84% suggests room for strengthening the equity base against total assets.
Cash Flow
75
Positive
The Operating Cash Flow to Net Income Ratio of 1.03 for 2024 indicates good cash generation relative to net income, supporting operational stability. The Free Cash Flow shows a growth rate of 15.37%, signaling improving liquidity. However, the absence of Free Cash Flow to Net Income Ratio due to missing data could provide a more comprehensive cash flow analysis.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue104.83M100.95M65.46M50.75M41.57M
Gross Profit101.88M99.82M65.46M42.04M41.57M
EBITDA66.96M65.96M35.67M16.69M16.68M
Net Income47.07M46.28M24.84M11.90M12.33M
Balance Sheet
Total Assets2.01B1.76B1.43B1.23B968.22M
Cash, Cash Equivalents and Short-Term Investments15.07M68.67M95.41M152.37M69.29M
Total Debt4.72M69.20M23.90M31.10M31.57M
Total Liabilities1.69B1.48B1.16B31.10M31.57M
Stockholders Equity318.34M279.32M262.06M251.38M153.82M
Cash Flow
Free Cash Flow48.17M42.21M24.23M15.11M14.40M
Operating Cash Flow48.69M42.84M27.54M21.56M15.66M
Investing Cash Flow-233.99M-357.84M-256.59M-178.86M-72.12M
Financing Cash Flow194.89M288.37M172.09M240.38M-2.03M

Northeast Community Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price24.68
Price Trends
50DMA
23.01
Positive
100DMA
22.81
Positive
200DMA
24.42
Positive
Market Momentum
MACD
0.36
Negative
RSI
68.69
Neutral
STOCH
88.95
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 24.68 is above the 20-day moving average (MA) of 22.95, above the 50-day MA of 23.01, and above the 200-day MA of 24.42, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 68.69 is Neutral, neither overbought nor oversold. The STOCH value of 88.95 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 26 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$389.22M11.079.07%2.71%9.51%-2.12%
75
Outperform
$346.10M7.0515.25%3.24%11.43%10.33%
73
Outperform
$323.16M17.846.04%16.29%-12.22%
72
Outperform
$386.71M14.188.18%3.14%11.91%25.60%
70
Outperform
$311.44M11.539.83%5.57%1.17%15.00%
70
Neutral
$330.60M9.8711.82%2.61%7.35%-4.60%
67
Neutral
$17.07B11.919.69%3.75%11.66%-9.47%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
NECB
Northeast Community Bancorp
24.68
7.19
41.11%
CZNC
Citizens & Northern
20.10
3.81
23.39%
CIVB
Civista Bancshares
25.08
11.00
78.12%
FMAO
Farmers & Merchants Bancorp
28.19
7.49
36.18%
FSBW
FS Bancorp
42.95
9.87
29.84%
PBFS
Pioneer Bancorp
12.50
2.22
21.60%

Northeast Community Bancorp Corporate Events

Executive/Board ChangesShareholder Meetings
Northeast Community Bancorp Holds Annual Stockholders Meeting
Neutral
May 27, 2025

On May 22, 2025, Northeast Community Bancorp, Inc. held its annual stockholders meeting where key decisions were made. Charles M. Cirillo, Eugene M. Magier, and Kenneth A. Martinek were elected as directors for three-year terms, and the appointment of S.R. Snodgrass, P.C. as the independent registered public accounting firm for the fiscal year ending December 31, 2025, was ratified.

The most recent analyst rating on (NECB) stock is a Hold with a $19.50 price target. To see the full list of analyst forecasts on Northeast Community Bancorp stock, see the NECB Stock Forecast page.

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.Date of analysis: Jun 22, 2025