8-K Announcements
6Apr 30, 2026·SEC
Jan 30, 2026·SEC
Jan 27, 2026·SEC
Northeast Community Bancorp, Inc. (NECB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Northeast Community Bancorp, Inc. (NECB) stock price & volume — 10-year historical chart
Northeast Community Bancorp, Inc. (NECB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Northeast Community Bancorp, Inc. (NECB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.74vs $0.75-1.3% | $25Mvs $26M-5.6% |
| Q2 2026 | Mar 13, 2026 | $0.79 | $39M |
| Q1 2026 | Jan 28, 2026 | $0.79vs $0.85-7.1% | $26Mvs $27M-2.6% |
| Q4 2025 | Oct 23, 2025 | $0.87vs $0.84+3.6% | $26Mvs $27M-4.3% |
Northeast Community Bancorp, Inc. (NECB) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
Northeast Community Bancorp, Inc. (NECB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Northeast Community Bancorp, Inc. (NECB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 30.81M | 38.34M | 39.65M | 39M | 43.3M | 63.88M | 97.19M | 102.79M | 100.74M |
| NII Growth % | 32.78% | 24.44% | 3.4% | -1.63% | 11.03% | 47.51% | 52.16% | 5.76% | -2% |
| Net Interest Margin % | 3.78% | 4.4% | 4.15% | 4.03% | 3.53% | 4.48% | 5.51% | 5.12% | 4.88% |
| Interest Income | 37.34M | 47.82M | 54.68M | 48.98M | 48.4M | 72M | 132.49M | 160.01M | 154.12M |
| Interest Expense | 6.53M | 9.48M | 15.03M | 9.98M | 5.1M | 8.13M | 35.3M | 57.22M | 53.38M |
| Loan Loss Provision | 51K | 1.11M | 727K | 814K | 3.61M | 439K | 972K | 740K | -97K |
| Non-Interest Income | 2.71M | 2.71M | 3.02M | 2.57M | 2.35M | 1.58M | 1.22M | -168K | 3.25M |
| Non-Interest Income % | 6.76% | 5.37% | 5.24% | 4.99% | 4.62% | 2.15% | 0.91% | -0.11% | 2.06% |
| Total Revenue | 40.04M▲ 0% | 50.53M▲ 26.2% | 57.7M▲ 14.2% | 51.55M▼ 10.7% | 50.75M▼ 1.6% | 73.59M▲ 45.0% | 133.7M▲ 81.7% | 159.84M▲ 19.6% | 157.37M▼ 1.6% |
| Revenue Growth % | 30.18% | 26.2% | 14.19% | -10.66% | -1.55% | 45% | 81.7% | 19.55% | -1.55% |
| Non-Interest Expense | 18.94M | 23.13M | 25.01M | 25.15M | 26.47M | 30.59M | 32.69M | 36.11M | 41.82M |
| Efficiency Ratio | 47.3% | 45.77% | 43.35% | 48.78% | 52.15% | 41.57% | 24.45% | 22.59% | 26.58% |
| Operating Income | 14.53M▲ 0% | 16.81M▲ 15.7% | 17.09M▲ 1.6% | 15.61M▼ 8.6% | 15.57M▼ 0.2% | 34.43M▲ 121.1% | 64.74M▲ 88.0% | 65.77M▲ 1.6% | 62.26M▼ 5.3% |
| Operating Margin % | 36.28% | 33.27% | 29.61% | 30.28% | 30.69% | 46.79% | 48.42% | 41.15% | 39.56% |
| Operating Income Growth % | 78.35% | 15.73% | 1.62% | -8.63% | -0.24% | 121.07% | 88.04% | 1.59% | -5.34% |
| Pretax Income | 14.53M▲ 0% | 16.81M▲ 15.7% | 16.93M▲ 0.7% | 15.61M▼ 7.8% | 15.57M▼ 0.2% | 34.43M▲ 121.1% | 64.74M▲ 88.0% | 65.77M▲ 1.6% | 62.26M▼ 5.3% |
| Pretax Margin % | 36.28% | 33.27% | 29.34% | 30.28% | 30.69% | 46.79% | 48.42% | 41.15% | 39.56% |
| Income Tax | 6.48M | 3.79M | 3.98M | 3.28M | 3.67M | 9.59M | 18.46M | 18.7M | 17.85M |
| Effective Tax Rate % | 44.59% | 22.51% | 23.49% | 21.02% | 23.56% | 27.84% | 28.52% | 28.43% | 28.66% |
| Net Income | 8.05M▲ 0% | 13.03M▲ 61.8% | 12.95M▼ 0.6% | 12.33M▼ 4.8% | 11.9M▼ 3.4% | 24.84M▲ 108.7% | 46.28M▲ 86.3% | 47.07M▲ 1.7% | 44.41M▼ 5.7% |
| Net Margin % | 20.1% | 25.78% | 22.45% | 23.92% | 23.46% | 33.76% | 34.61% | 29.45% | 28.22% |
| Net Income Growth % | 60.14% | 61.83% | -0.57% | -4.82% | -3.44% | 108.68% | 86.27% | 1.72% | -5.65% |
| Net Income (Continuing) | 8.05M | 13.03M | 12.95M | 12.33M | 11.9M | 24.84M | 46.28M | 47.07M | 44.41M |
| EPS (Diluted) | 0.67▲ 0% | 1.09▲ 62.7% | 1.08▼ 0.9% | 0.76▼ 29.6% | 0.75▼ 1.3% | 1.58▲ 110.7% | 3.32▲ 110.1% | 3.52▲ 6.0% | 3.25▼ 7.7% |
| EPS Growth % | 59.52% | 62.69% | -0.92% | -29.63% | -1.32% | 110.67% | 110.13% | 6.02% | -7.67% |
| EPS (Basic) | 0.67 | 1.09 | 1.08 | 0.76 | 0.75 | 1.61 | 3.32 | 3.58 | 3.35 |
| Diluted Shares Outstanding | 11.98M | 12M | 12.03M | 16.15M | 15.85M | 15.73M | 13.94M | 13.36M | 13.66M |
Northeast Community Bancorp, Inc. (NECB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 0 | 60.22M | 127.78M | 69.29M | 152.37M | 95.41M | 68.77M | 78.36M | 81.28M |
| Cash & Due from Banks | 0 | 51.35M | 127.78M | 69.29M | 152.37M | 95.41M | 68.77M | 78.36M | 81.28M |
| Short Term Investments | 0 | 8.77M | 5K | 2K | 1K | 1K | 0 | 0 | 0 |
| Total Investments | 35.49M | 762.65M | 767.08M | 837.45M | 1.01B | 1.26B | 1.62B | 1.84B | 1.9B |
| Investments Growth % | -94.4% | 2048.8% | 0.58% | 9.17% | 20.12% | 24.93% | 28.58% | 14.15% | 3.04% |
| Long-Term Investments | 35.49M | 753.88M | 767.08M | 837.45M | 1.01B | 1.26B | 1.62B | 1.84B | 1.9B |
| Accounts Receivables | 0 | 4.13M | 3.96M | 3.84M | 4.28M | 8.6M | 12.31M | 13.48M | 12.16M |
| Goodwill & Intangibles | 850K | 789K | 749K | 651K | 651K | 200K | 0 | 0 | 0 |
| Goodwill | 749K | 749K | 749K | 651K | 651K | 200K | 0 | 0 | 0 |
| Intangible Assets | 101K | 40K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 13.05M | 15.45M | 20.14M | 22.13M | 26.83M | 28.73M | 30.37M | 29.15M | 30.38M |
| Other Assets | 713.51M | 35.86M | 35.47M | 34.86M | 35.02M | 35.37M | 36.92M | 44.21M | 39.21M |
| Total Current Assets | 49.44M | 64.35M | 131.74M | 73.13M | 156.65M | 104.01M | 81.08M | 91.84M | 93.43M |
| Total Non-Current Assets | 766.09M | 813.95M | 823.44M | 895.09M | 1.07B | 1.32B | 1.68B | 1.92B | 1.97B |
| Total Assets | 815.52M▲ 0% | 871.69M▲ 6.9% | 955.17M▲ 9.6% | 968.22M▲ 1.4% | 1.23B▲ 26.5% | 1.42B▲ 16.3% | 1.76B▲ 23.8% | 2.01B▲ 13.9% | 2.06B▲ 2.7% |
| Asset Growth % | 10.98% | 6.89% | 9.58% | 1.37% | 26.53% | 16.32% | 23.8% | 13.91% | 2.68% |
| Return on Assets (ROA) | 1.04% | 1.54% | 1.42% | 1.28% | 1.09% | 1.87% | 2.9% | 2.49% | 2.18% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17.32M |
| Total Debt | 62.87M | 42.46M | 22.58M | 31.57M | 31.1M | 23.9M | 69.2M | 4.72M | 75.23M |
| Net Debt | 62.87M | -8.99M | -105.19M | -37.72M | -121.27M | -71.51M | 425K | -73.64M | -6.04M |
| Long-Term Debt | 22.46M | 42.46M | 21M | 28M | 28M | 21M | 64M | 0 | 70M |
| Short-Term Debt | 40.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 209.59M | 0 | 11.32M | 11.12M | 15.42M | 17.12M | 15.58M | 16.15M | 2.35M |
| Total Current Liabilities | 465.87M | 687.1M | 779.16M | 771.71M | 927.16M | 1.12B | 1.4B | 1.67B | 1.63B |
| Total Non-Current Liabilities | 232.76M | 53.61M | 33.9M | 42.69M | 46.52M | 41.02M | 84.77M | 20.86M | 77.58M |
| Total Liabilities | 698.63M | 740.71M | 813.06M | 814.4M | 973.69M | 1.16B | 1.48B | 1.69B | 1.71B |
| Total Equity | 116.9M▲ 0% | 129.62M▲ 10.9% | 142.11M▲ 9.6% | 153.82M▲ 8.2% | 251.38M▲ 63.4% | 261.99M▲ 4.2% | 279.32M▲ 6.6% | 318.34M▲ 14.0% | 351.7M▲ 10.5% |
| Equity Growth % | 6.8% | 10.88% | 9.64% | 8.24% | 63.42% | 4.22% | 6.62% | 13.97% | 10.48% |
| Equity / Assets (Capital Ratio) | 14.33% | 14.87% | 14.88% | 15.89% | 20.52% | 18.39% | 15.83% | 15.84% | 17.04% |
| Return on Equity (ROE) | 7.11% | 10.57% | 9.53% | 8.33% | 5.88% | 9.68% | 17.1% | 15.75% | 13.26% |
| Book Value per Share | 9.76 | 10.80 | 11.82 | 9.52 | 15.86 | 16.66 | 20.04 | 23.83 | 25.75 |
| Tangible BV per Share | 9.68 | 10.74 | 11.75 | 9.48 | 15.81 | 16.65 | 20.04 | 23.83 | 25.75 |
| Common Stock | 132K | 132K | 132K | 132K | 164K | 161K | 142K | 140K | 140K |
| Additional Paid-in Capital | 56.83M | 56.86M | 56.9M | 56.9M | 145.34M | 136.43M | 109.92M | 110.09M | 111.58M |
| Retained Earnings | 69.28M | 81.79M | 93.77M | 105.31M | 114.32M | 132.67M | 175.5M | 213.97M | 244.97M |
| Accumulated OCI | -240K | -322K | -101K | -185K | -139K | 156K | 317K | 224K | 233K |
| Treasury Stock | -7.03M | -7.03M | -7.03M | -7.03M | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Northeast Community Bancorp, Inc. (NECB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 8.75M | 12.63M | 13.48M | 15.66M | 21.56M | 27.54M | 42.84M | 48.69M | 52.59M |
| Operating CF Growth % | 61.08% | 44.29% | 6.76% | 16.2% | 37.62% | 27.76% | 55.54% | 13.66% | 8.01% |
| Net Income | 8.05M | 13.03M | 12.95M | 12.33M | 11.9M | 24.84M | 46.28M | 47.07M | 44.41M |
| Depreciation & Amortization | 813K | 818K | 916K | 1.07M | 1.12M | 1.25M | 1.22M | 1.19M | 1.17M |
| Deferred Taxes | 1.33M | 418K | -256K | -33K | 118K | -1.31M | -367K | -467K | 326K |
| Other Non-Cash Items | -1.97M | -787K | -1.42M | 76K | 3.47M | 2.84M | 56K | 711K | 745K |
| Working Capital Changes | 297K | -1.14M | 983K | 1.97M | 4.01M | -1.36M | -7.4M | -3.65M | 4M |
| Cash from Investing | -79.19M | -45.77M | -6.58M | -72.12M | -178.86M | -256.59M | -357.84M | -233.99M | -52.03M |
| Purchase of Investments | -6.9M | -2M | -5.19M | -189K | -25.3M | -10.04M | -812K | -4.1M | -4M |
| Sale/Maturity of Investments | 910K | 1.39M | 1.09M | 1.96M | 4.81M | 1.5M | 11.18M | 1.25M | 0 |
| Net Investment Activity | -5.99M | -612K | -4.1M | 1.77M | -20.5M | -8.54M | 10.37M | -2.85M | -4M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -71.86M | -42.01M | 1.56M | -72.63M | -151.92M | -244.74M | -367.59M | -230.62M | -48.03M |
| Cash from Financing | 70.87M | 40.89M | 69.43M | -2.03M | 240.38M | 172.09M | 288.37M | 194.89M | 2.36M |
| Dividends Paid | -563K | -566K | -788K | -1.01M | -2.26M | -6.87M | -3.65M | -7.86M | -13.32M |
| Share Repurchases | -217K | 0 | 0 | 0 | 0 | -9.32M | -28.71M | -3.2M | -1.58M |
| Stock Issued | 0 | 0 | 0 | 0 | 95.39M | 0 | 0 | 0 | 0 |
| Net Stock Activity | -217K | 0 | 0 | 0 | 95.39M | -9.32M | -28.71M | -3.2M | -1.58M |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K |
| Other Financing | 79.03M | 61.87M | 91.68M | -8.02M | 155.08M | 195.28M | 277.73M | 269.95M | -52.74M |
| Net Change in Cash | 428K▲ 0% | 7.75M▲ 1711.0% | 76.32M▲ 884.7% | -58.48M▼ 176.6% | 83.08M▲ 242.1% | -56.96M▼ 168.6% | -26.64M▲ 53.2% | 9.59M▲ 136.0% | 2.92M▼ 69.6% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 43.17M | 43.6M | 51.35M | 127.67M | 69.19M | 152.27M | 95.31M | 68.67M | 78.26M |
| Cash at End | 43.6M | 51.35M | 127.67M | 69.19M | 152.27M | 95.31M | 68.67M | 78.26M | 81.17M |
| Interest Paid | 6.52M | 9.36M | 15.16M | 9.98M | 4.98M | 8.01M | 34.85M | 56.58M | 52.32M |
| Income Taxes Paid | 5.34M | 4.29M | 4.76M | 3.42M | 3.57M | 9.2M | 20.72M | 22.11M | 15.44M |
| Free Cash Flow | 7.41M▲ 0% | 9.48M▲ 27.9% | 9.44M▼ 0.5% | 14.4M▲ 52.6% | 15.11M▲ 4.9% | 24.23M▲ 60.4% | 42.21M▲ 74.2% | 48.17M▲ 14.1% | 50.84M▲ 5.5% |
| FCF Growth % | 230.94% | 27.87% | -0.46% | 52.63% | 4.89% | 60.44% | 74.17% | 14.12% | 5.55% |
Northeast Community Bancorp, Inc. (NECB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 4.69% | 7.11% | 10.57% | 9.53% | 8.33% | 5.88% | 9.68% | 17.1% | 15.75% | 13.26% |
| Return on Assets (ROA) | 0.76% | 1.04% | 1.54% | 1.42% | 1.28% | 1.09% | 1.87% | 2.9% | 2.49% | 2.18% |
| Net Interest Margin | 3.16% | 3.78% | 4.4% | 4.15% | 4.03% | 3.53% | 4.48% | 5.51% | 5.12% | 4.88% |
| Efficiency Ratio | 55.56% | 47.3% | 45.77% | 43.35% | 48.78% | 52.15% | 41.57% | 24.45% | 22.59% | 26.58% |
| Equity / Assets | 14.9% | 14.33% | 14.87% | 14.88% | 15.89% | 20.52% | 18.39% | 15.83% | 15.84% | 17.04% |
| Book Value / Share | 9.14 | 9.76 | 10.8 | 11.82 | 9.52 | 15.86 | 16.66 | 20.04 | 23.83 | 25.75 |
| NII Growth | 27.48% | 32.78% | 24.44% | 3.4% | -1.63% | 11.03% | 47.51% | 52.16% | 5.76% | -2% |
| Dividend Payout | 11.18% | 6.99% | 4.34% | 6.08% | 8.18% | 18.99% | 27.65% | 7.89% | 16.7% | 30% |
Northeast Community Bancorp, Inc. (NECB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 30, 2026·SEC
Jan 30, 2026·SEC
Jan 27, 2026·SEC
Northeast Community Bancorp, Inc. (NECB) stock FAQ — growth, dividends, profitability & financials explained
Northeast Community Bancorp, Inc. (NECB) saw revenue decline by 1.6% over the past year.
Yes, Northeast Community Bancorp, Inc. (NECB) is profitable, generating $44.4M in net income for fiscal year 2025 (28.2% net margin).
Yes, Northeast Community Bancorp, Inc. (NECB) pays a dividend with a yield of 4.00%. This makes it attractive for income-focused investors.
Northeast Community Bancorp, Inc. (NECB) has a return on equity (ROE) of 13.3%. This is reasonable for most industries.
Northeast Community Bancorp, Inc. (NECB) has a net interest margin (NIM) of 4.9%. This indicates healthy earnings from lending activities.
Northeast Community Bancorp, Inc. (NECB) has an efficiency ratio of 26.6%. This is excellent, indicating strong cost control.
Northeast Community Bancorp, Inc. (NECB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates