Northeast Community Bancorp (NECB) AI Stock Analysis

• Market Cap: $309.92M
• Dividend Yield: 3.85%
• Average Volume (3M): 33.24K
• Price to Earnings (P/E): 6.6
• Beta (1Y): 0.82
• Revenue Growth: 4.02%
• EPS Growth: -0.62%
• Country: US
• Employees: 136
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.82
• Shares Outstanding: 14,023,376
• 10 Day Avg. Volume: 34,135
• 30 Day Avg. Volume: 33,238
• PEG Ratio: -9.06
• Price to Book (P/B): 1.02
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.07
• Enterprise Value/Market Cap: 0.13
• Enterprise Value/Revenue: 0.07
• Enterprise Value/Gross Profit: 0.38
• Enterprise Value/Ebitda: 0.15
• 1Y Price Target: $25.00
• Price Target Upside: 16.01% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 75 Outperform
• Price Target: $26.00 ▲(20.65%Upside)

Northeast Community Bancorp scores well overall primarily due to its strong financial performance and attractive valuation, with a solid balance sheet and low P/E ratio enhancing its appeal. Technical analysis poses some risks due to short-term indicators, but does not outweigh the fundamental strengths.

Northeast Community Bancorp Business Overview & Revenue Model

Company Description

Northeast 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 Money

Northeast 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

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

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

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.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	104.83M	100.95M	65.46M	50.75M	41.57M
Gross Profit	101.88M	99.82M	65.46M	42.04M	41.57M
EBITDA	66.96M	65.96M	35.67M	16.69M	16.68M
Net Income	47.07M	46.28M	24.84M	11.90M	12.33M
Balance Sheet
Total Assets	2.01B	1.76B	1.43B	1.23B	968.22M
Cash, Cash Equivalents and Short-Term Investments	15.07M	68.67M	95.41M	152.37M	69.29M
Total Debt	4.72M	69.20M	23.90M	31.10M	31.57M
Total Liabilities	1.69B	1.48B	1.16B	31.10M	31.57M
Stockholders Equity	318.34M	279.32M	262.06M	251.38M	153.82M
Cash Flow
Free Cash Flow	48.17M	42.21M	24.23M	15.11M	14.40M
Operating Cash Flow	48.69M	42.84M	27.54M	21.56M	15.66M
Investing Cash Flow	-233.99M	-357.84M	-256.59M	-178.86M	-72.12M
Financing Cash Flow	194.89M	288.37M	172.09M	240.38M	-2.03M

Northeast Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 21.55
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NECB, the sentiment is Negative. The current price of 21.55 is below the 20-day moving average (MA) of 23.45, below the 50-day MA of 22.96, and below the 200-day MA of 24.20, indicating a bearish trend. The MACD of -0.13 indicates Positive momentum. The RSI at 38.71 is Neutral, neither overbought nor oversold. The STOCH value of 9.18 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NECB.

Northeast Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CZNC	79 Outperform	$301.37M	11.18	9.74%	5.76%	8.59%	14.56%
FMAO	77 Outperform	$354.20M	12.09	8.66%	3.38%	8.62%	37.01%
NECB	75 Outperform	$309.92M	6.60	14.25%	3.85%	4.02%	-0.62%
CIVB	73 Outperform	$379.56M	7.99	10.02%	3.27%	6.20%	18.80%
PBFS	73 Outperform	$319.03M	17.44	6.04%	―	16.29%	-12.22%
FSBW	73 Outperform	$310.36M	9.58	11.35%	2.72%	5.13%	-6.84%
Sector *	67 Neutral	$17.09B	11.28	9.28%	3.81%	11.08%	-4.02%

Northeast Community Bancorp Corporate Events

Northeast Community Bancorp Holds Annual Stockholders Meeting

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.