NECB
Northeast Community Bancorp, Inc.
Banks - Regional
Market Cap$339M
5Y Perf.+324.0%
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Stock Comparison
NECB vs NFBK
Revenue, margins, valuation, and 5-year total return — side by side.
NFBK
Northfield Bancorp, Inc.
Banks - Regional
Market Cap$588M
5Y Perf.+28.7%
NECB vs NFBK — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NECB | NFBK |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $339M | $588M |
| Revenue (TTM) | $157M | $251M |
| Net Income (TTM) | $44M | $39M |
| Gross Margin | 66.1% | 49.1% |
| Operating Margin | 39.6% | 16.1% |
| Forward P/E | 7.6x | 10.4x |
| Total Debt | $75M | $760M |
| Cash & Equiv. | $81M | $168M |
NECB vs NFBK — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NECB
NFBK
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Northeast Community… (NECB) | 100 | 424.0 | +324.0% |
| Northfield Bancorp,… (NFBK) | 100 | 128.7 | +28.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NECB vs NFBK
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NECB leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Northfield Bancorp, Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
NECB
Northeast Community Bancorp, Inc.
The Banking Pick
NECB carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 2 yrs, beta 0.83, yield 4.0%
- 460.8% 10Y total return vs NFBK's 20.6%
- Lower volatility, beta 0.83, Low D/E 21.4%, current ratio 0.06x
Best for: income & stability and long-term compounding
NFBK
Northfield Bancorp, Inc.
The Banking Pick
NFBK is the clearest fit if your priority is growth exposure.
- Rev growth 13.9%, EPS growth -16.3%
- 13.9% NII/revenue growth vs NECB's -1.6%
- +31.5% vs NECB's +10.7%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NFBK | 13.9% NII/revenue growth vs NECB's -1.6% |
| Value | NECB | Lower P/E (7.6x vs 10.4x) |
| Quality / Margins | NECB | Efficiency ratio 0.3% vs NFBK's 0.3% (lower = leaner) |
| Stability / Safety | NECB | Beta 0.83 vs NFBK's 1.00, lower leverage |
| Dividends | NECB | 4.0% yield, 2-year raise streak, vs NFBK's 3.7% |
| Momentum (1Y) | NFBK | +31.5% vs NECB's +10.7% |
| Efficiency (ROA) | NECB | Efficiency ratio 0.3% vs NFBK's 0.3% |
NECB vs NFBK — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
NECB vs NFBK — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNECBLAGGINGNFBK
NFBKNorthfield Bancorp, I…
0leads
NECBNortheast Community B…
4leads
6 Total Categories
CATEGORYLEADERvs NFBKMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NECB4/5
Valuation MetricsMultiples, price ratios, and targets
NECB5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NECB8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
NECB4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
NECB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NFBK is the larger business by revenue, generating $251M annually — 1.6x NECB's $157M. NECB is the more profitable business, keeping 28.2% of every revenue dollar as net income compared to NFBK's 11.9%.
| Metric | NECBNortheast Communi… | NFBKNorthfield Bancor… |
|---|---|---|
| RevenueTrailing 12 months | $157M | $251M |
| EBITDAEarnings before interest/tax | $63M | $61M |
| Net IncomeAfter-tax profit | $44M | $39M |
| Free Cash FlowCash after capex | $51M | $42M |
| Gross MarginGross profit ÷ Revenue | +66.1% | +49.1% |
| Operating MarginEBIT ÷ Revenue | +39.6% | +16.1% |
| Net MarginNet income ÷ Revenue | +28.2% | +11.9% |
| FCF MarginFCF ÷ Revenue | +32.3% | +11.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +6.8% | +68.8% |
NECB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
NECB leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 7.5x trailing earnings, NECB trades at a 61% valuation discount to NFBK's 19.5x P/E. On an enterprise value basis, NECB's 5.3x EV/EBITDA is more attractive than NFBK's 24.2x.
| Metric | NECBNortheast Communi… | NFBKNorthfield Bancor… |
|---|---|---|
| Market CapShares × price | $339M | $588M |
| Enterprise ValueMkt cap + debt − cash | $333M | $1.2B |
| Trailing P/EPrice ÷ TTM EPS | 7.54x | 19.54x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.62x | 10.42x |
| PEG RatioP/E ÷ EPS growth rate | 0.22x | — |
| EV / EBITDAEnterprise value multiple | 5.25x | 24.19x |
| Price / SalesMarket cap ÷ Revenue | 2.15x | 2.34x |
| Price / BookPrice ÷ Book value/share | 0.95x | 0.83x |
| Price / FCFMarket cap ÷ FCF | 6.67x | 19.64x |
NECB leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
NECB leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
NECB delivers a 13.1% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $5 for NFBK. NECB carries lower financial leverage with a 0.21x debt-to-equity ratio, signaling a more conservative balance sheet compared to NFBK's 1.08x. On the Piotroski fundamental quality scale (0–9), NFBK scores 7/9 vs NECB's 5/9, reflecting strong financial health.
| Metric | NECBNortheast Communi… | NFBKNorthfield Bancor… |
|---|---|---|
| ROE (TTM)Return on equity | +13.1% | +5.5% |
| ROA (TTM)Return on assets | +2.2% | +0.7% |
| ROICReturn on invested capital | +12.5% | +2.0% |
| ROCEReturn on capital employed | +16.2% | +2.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.21x | 1.08x |
| Net DebtTotal debt minus cash | -$6M | $592M |
| Cash & Equiv.Liquid assets | $81M | $168M |
| Total DebtShort + long-term debt | $75M | $760M |
| Interest CoverageEBIT ÷ Interest expense | 1.17x | 0.46x |
NECB leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NECB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NECB five years ago would be worth $22,024 today (with dividends reinvested), compared to $10,018 for NFBK. Over the past 12 months, NFBK leads with a +31.5% total return vs NECB's +10.7%. The 3-year compound annual growth rate (CAGR) favors NECB at 27.6% vs NFBK's 18.3% — a key indicator of consistent wealth creation.
| Metric | NECBNortheast Communi… | NFBKNorthfield Bancor… |
|---|---|---|
| YTD ReturnYear-to-date | +9.4% | +26.5% |
| 1-Year ReturnPast 12 months | +10.7% | +31.5% |
| 3-Year ReturnCumulative with dividends | +107.8% | +65.7% |
| 5-Year ReturnCumulative with dividends | +120.2% | +0.2% |
| 10-Year ReturnCumulative with dividends | +460.8% | +20.6% |
| CAGR (3Y)Annualised 3-year return | +27.6% | +18.3% |
NECB leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — NECB and NFBK each lead in 1 of 2 comparable metrics.
Risk & Volatility
NECB is the less volatile stock with a 0.83 beta — it tends to amplify market swings less than NFBK's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NFBK currently trades 99.0% from its 52-week high vs NECB's 95.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NECBNortheast Communi… | NFBKNorthfield Bancor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.83x | 1.00x |
| 52-Week HighHighest price in past year | $25.61 | $14.21 |
| 52-Week LowLowest price in past year | $19.27 | $9.90 |
| % of 52W HighCurrent price vs 52-week peak | +95.7% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 50.5 | 57.0 |
| Avg Volume (50D)Average daily shares traded | 36K | 258K |
Evenly matched — NECB and NFBK each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — NECB and NFBK each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates NECB as "Hold" and NFBK as "Hold". For income investors, NECB offers the higher dividend yield at 3.98% vs NFBK's 3.73%.
| Metric | NECBNortheast Communi… | NFBKNorthfield Bancor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | — | $14.50 |
| # AnalystsCovering analysts | 1 | 9 |
| Dividend YieldAnnual dividend ÷ price | +4.0% | +3.7% |
| Dividend StreakConsecutive years of raises | 2 | 10 |
| Dividend / ShareAnnual DPS | $0.98 | $0.52 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.5% | +3.2% |
Evenly matched — NECB and NFBK each lead in 1 of 2 comparable metrics.
Key Takeaway
NECB leads in 4 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 2 categories are tied.
Best OverallNortheast Community Bancorp… (NECB)Leads 4 of 6 categories
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NECB vs NFBK: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NECB or NFBK a better buy right now?
For growth investors, Northfield Bancorp, Inc.
(NFBK) is the stronger pick with 13. 9% revenue growth year-over-year, versus -1. 6% for Northeast Community Bancorp, Inc. (NECB). Northeast Community Bancorp, Inc. (NECB) offers the better valuation at 7. 5x trailing P/E (7. 6x forward), making it the more compelling value choice. Analysts rate Northeast Community Bancorp, Inc. (NECB) a "Hold" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — NECB or NFBK?
On trailing P/E, Northeast Community Bancorp, Inc.
(NECB) is the cheapest at 7. 5x versus Northfield Bancorp, Inc. at 19. 5x. On forward P/E, Northeast Community Bancorp, Inc. is actually cheaper at 7. 6x.
03Which is the better long-term investment — NECB or NFBK?
Over the past 5 years, Northeast Community Bancorp, Inc.
(NECB) delivered a total return of +120. 2%, compared to +0. 2% for Northfield Bancorp, Inc. (NFBK). Over 10 years, the gap is even starker: NECB returned +460. 8% versus NFBK's +20. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NECB or NFBK?
By beta (market sensitivity over 5 years), Northeast Community Bancorp, Inc.
(NECB) is the lower-risk stock at 0. 83β versus Northfield Bancorp, Inc. 's 1. 00β — meaning NFBK is approximately 20% more volatile than NECB relative to the S&P 500. On balance sheet safety, Northeast Community Bancorp, Inc. (NECB) carries a lower debt/equity ratio of 21% versus 108% for Northfield Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — NECB or NFBK?
By revenue growth (latest reported year), Northfield Bancorp, Inc.
(NFBK) is pulling ahead at 13. 9% versus -1. 6% for Northeast Community Bancorp, Inc. (NECB). On earnings-per-share growth, the picture is similar: Northeast Community Bancorp, Inc. grew EPS -7. 7% year-over-year, compared to -16. 3% for Northfield Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — NECB or NFBK?
Northeast Community Bancorp, Inc.
(NECB) is the more profitable company, earning 28. 2% net margin versus 11. 9% for Northfield Bancorp, Inc. — meaning it keeps 28. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NECB leads at 39. 6% versus 16. 1% for NFBK. At the gross margin level — before operating expenses — NECB leads at 66. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is NECB or NFBK more undervalued right now?
On forward earnings alone, Northeast Community Bancorp, Inc.
(NECB) trades at 7. 6x forward P/E versus 10. 4x for Northfield Bancorp, Inc. — 2. 8x cheaper on a one-year earnings basis.
08Which pays a better dividend — NECB or NFBK?
All stocks in this comparison pay dividends.
Northeast Community Bancorp, Inc. (NECB) offers the highest yield at 4. 0%, versus 3. 7% for Northfield Bancorp, Inc. (NFBK).
09Is NECB or NFBK better for a retirement portfolio?
For long-horizon retirement investors, Northeast Community Bancorp, Inc.
(NECB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 4. 0% yield, +460. 8% 10Y return). Both have compounded well over 10 years (NECB: +460. 8%, NFBK: +20. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between NECB and NFBK?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: NECB is a small-cap deep-value stock; NFBK is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(NECB: -1.6% · NFBK: 13.9%)Net Margin>
%
(NECB: 28.2% · NFBK: 11.9%)P/E Ratio<
x
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