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NECB logoNortheast Community Bancorp, Inc.(NECB)Earnings, Financials & Key Ratios

NECB•NASDAQ•Banking & Credit
$24.37
$337M mkt cap·7.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutNortheast 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 accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.Show more
  • Net Interest Income$101M-2.0%
  • Total Revenue$157M-1.6%
  • Net Income$44M-5.7%
  • Return on Equity13.26%-15.8%
  • Net Interest Margin4.88%-4.6%
  • Efficiency Ratio26.58%+17.6%
  • ROA2.18%-12.6%
  • Equity / Assets17.04%+7.6%
  • Book Value per Share25.75+8.1%
  • Tangible BV/Share25.75+8.1%
  • Debt/Equity0.21+1343.6%
Technical→

NECB Key Insights

Northeast Community Bancorp, Inc. (NECB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 29.2%
  • ✓Strong NIM of 4.9%
  • ✓Efficient operations: 26.6% efficiency ratio
  • ✓Well capitalized: 17.0% equity/assets
  • ✓Good 3Y average ROE of 15.4%
  • ✓Healthy dividend yield of 4.0%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

NECB Price & Volume

Northeast Community Bancorp, Inc. (NECB) stock price & volume — 10-year historical chart

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NECB Growth Metrics

Northeast Community Bancorp, Inc. (NECB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years20.63%
5 Years25.01%
3 Years28.84%
TTM-

Profit CAGR

10 Years34.21%
5 Years29.22%
3 Years21.37%
TTM-5.65%

EPS CAGR

10 Years32.16%
5 Years33.73%
3 Years27.18%
TTM-7.39%

Return on Capital

10 Years10.62%
5 Years14.42%
3 Years18.11%
Last Year16.2%

NECB Recent Earnings

Northeast Community Bancorp, Inc. (NECB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 3/12 qtrs (30%)
Q2 2026Latest
Apr 29, 2026
EPS
$0.74
Est $0.75
-1.3%
Revenue
$25M
Est $26M
-5.6%
Q2 2026
Mar 13, 2026
EPS
$0.79
Revenue
$39M
Q1 2026
Jan 28, 2026
EPS
$0.79
Est $0.85
-7.1%
Revenue
$26M
Est $27M
-2.6%
Q4 2025
Oct 23, 2025
EPS
$0.87
Est $0.84
+3.6%
Revenue
$26M
Est $27M
-4.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.74vs $0.75-1.3%
$25Mvs $26M-5.6%
Q2 2026Mar 13, 2026
$0.79
$39M
Q1 2026Jan 28, 2026
$0.79vs $0.85-7.1%
$26Mvs $27M-2.6%
Q4 2025Oct 23, 2025
$0.87vs $0.84+3.6%
$26Mvs $27M-4.3%
Based on last 12 quarters of dataView full earnings history →

NECB Peer Comparison

Northeast Community Bancorp, Inc. (NECB) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
TRST logoTRSTTrustCo Bank Corp NYDirect Competitor861.09M48.6214.965.77%8.86%0.28
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor587.44M14.0519.5113.88%5.48%1.08
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
DCOM logoDCOMDime Community Bancshares, Inc.Product Competitor1.64B37.1915.6913.03%7.67%0.25
KRNY logoKRNYKearny Financial Corp.Product Competitor510.29M8.1219.325.09%4.31%1.68
MNSB logoMNSBMainStreet Bancshares, Inc.Product Competitor175.12M23.3613.27-1.44%7.26%0.32
FNF logoFNFFidelity National Financial, Inc.Supply Chain13.8B51.2823.208.61%4.22%6.7%0.53

Compare NECB vs Peers

Northeast Community Bancorp, Inc. (NECB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for NECB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare NECB against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, TRST, NFBK, CZWI

NECB Income Statement

Northeast Community Bancorp, Inc. (NECB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income30.81M38.34M39.65M39M43.3M63.88M97.19M102.79M100.74M
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 Income37.34M47.82M54.68M48.98M48.4M72M132.49M160.01M154.12M
Interest Expense6.53M9.48M15.03M9.98M5.1M8.13M35.3M57.22M53.38M
Loan Loss Provision51K1.11M727K814K3.61M439K972K740K-97K
Non-Interest Income2.71M2.71M3.02M2.57M2.35M1.58M1.22M-168K3.25M
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 Expense18.94M23.13M25.01M25.15M26.47M30.59M32.69M36.11M41.82M
Efficiency Ratio47.3%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 Tax6.48M3.79M3.98M3.28M3.67M9.59M18.46M18.7M17.85M
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)8.05M13.03M12.95M12.33M11.9M24.84M46.28M47.07M44.41M
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)0.671.091.080.760.751.613.323.583.35
Diluted Shares Outstanding11.98M12M12.03M16.15M15.85M15.73M13.94M13.36M13.66M

NECB Balance Sheet

Northeast Community Bancorp, Inc. (NECB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments060.22M127.78M69.29M152.37M95.41M68.77M78.36M81.28M
Cash & Due from Banks051.35M127.78M69.29M152.37M95.41M68.77M78.36M81.28M
Short Term Investments08.77M5K2K1K1K000
Total Investments35.49M762.65M767.08M837.45M1.01B1.26B1.62B1.84B1.9B
Investments Growth %-94.4%2048.8%0.58%9.17%20.12%24.93%28.58%14.15%3.04%
Long-Term Investments35.49M753.88M767.08M837.45M1.01B1.26B1.62B1.84B1.9B
Accounts Receivables04.13M3.96M3.84M4.28M8.6M12.31M13.48M12.16M
Goodwill & Intangibles850K789K749K651K651K200K000
Goodwill749K749K749K651K651K200K000
Intangible Assets101K40K0000000
PP&E (Net)13.05M15.45M20.14M22.13M26.83M28.73M30.37M29.15M30.38M
Other Assets713.51M35.86M35.47M34.86M35.02M35.37M36.92M44.21M39.21M
Total Current Assets49.44M64.35M131.74M73.13M156.65M104.01M81.08M91.84M93.43M
Total Non-Current Assets766.09M813.95M823.44M895.09M1.07B1.32B1.68B1.92B1.97B
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 Payable0000000017.32M
Total Debt62.87M42.46M22.58M31.57M31.1M23.9M69.2M4.72M75.23M
Net Debt62.87M-8.99M-105.19M-37.72M-121.27M-71.51M425K-73.64M-6.04M
Long-Term Debt22.46M42.46M21M28M28M21M64M070M
Short-Term Debt40.41M00000000
Other Liabilities209.59M011.32M11.12M15.42M17.12M15.58M16.15M2.35M
Total Current Liabilities465.87M687.1M779.16M771.71M927.16M1.12B1.4B1.67B1.63B
Total Non-Current Liabilities232.76M53.61M33.9M42.69M46.52M41.02M84.77M20.86M77.58M
Total Liabilities698.63M740.71M813.06M814.4M973.69M1.16B1.48B1.69B1.71B
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 Share9.7610.8011.829.5215.8616.6620.0423.8325.75
Tangible BV per Share9.6810.7411.759.4815.8116.6520.0423.8325.75
Common Stock132K132K132K132K164K161K142K140K140K
Additional Paid-in Capital56.83M56.86M56.9M56.9M145.34M136.43M109.92M110.09M111.58M
Retained Earnings69.28M81.79M93.77M105.31M114.32M132.67M175.5M213.97M244.97M
Accumulated OCI-240K-322K-101K-185K-139K156K317K224K233K
Treasury Stock-7.03M-7.03M-7.03M-7.03M00000
Preferred Stock000000000

NECB Cash Flow Statement

Northeast Community Bancorp, Inc. (NECB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations8.75M12.63M13.48M15.66M21.56M27.54M42.84M48.69M52.59M
Operating CF Growth %61.08%44.29%6.76%16.2%37.62%27.76%55.54%13.66%8.01%
Net Income8.05M13.03M12.95M12.33M11.9M24.84M46.28M47.07M44.41M
Depreciation & Amortization813K818K916K1.07M1.12M1.25M1.22M1.19M1.17M
Deferred Taxes1.33M418K-256K-33K118K-1.31M-367K-467K326K
Other Non-Cash Items-1.97M-787K-1.42M76K3.47M2.84M56K711K745K
Working Capital Changes297K-1.14M983K1.97M4.01M-1.36M-7.4M-3.65M4M
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 Investments910K1.39M1.09M1.96M4.81M1.5M11.18M1.25M0
Net Investment Activity-5.99M-612K-4.1M1.77M-20.5M-8.54M10.37M-2.85M-4M
Acquisitions000000000
Other Investing-71.86M-42.01M1.56M-72.63M-151.92M-244.74M-367.59M-230.62M-48.03M
Cash from Financing70.87M40.89M69.43M-2.03M240.38M172.09M288.37M194.89M2.36M
Dividends Paid-563K-566K-788K-1.01M-2.26M-6.87M-3.65M-7.86M-13.32M
Share Repurchases-217K0000-9.32M-28.71M-3.2M-1.58M
Stock Issued000095.39M0000
Net Stock Activity-217K00095.39M-9.32M-28.71M-3.2M-1.58M
Debt Issuance (Net)-1000K-1000K-1000K1000K-1000K-1000K1000K-1000K1000K
Other Financing79.03M61.87M91.68M-8.02M155.08M195.28M277.73M269.95M-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 Effect000000000
Cash at Beginning43.17M43.6M51.35M127.67M69.19M152.27M95.31M68.67M78.26M
Cash at End43.6M51.35M127.67M69.19M152.27M95.31M68.67M78.26M81.17M
Interest Paid6.52M9.36M15.16M9.98M4.98M8.01M34.85M56.58M52.32M
Income Taxes Paid5.34M4.29M4.76M3.42M3.57M9.2M20.72M22.11M15.44M
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%

NECB Banking Ratios

Northeast Community Bancorp, Inc. (NECB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.16%3.78%4.4%4.15%4.03%3.53%4.48%5.51%5.12%4.88%
Efficiency Ratio55.56%47.3%45.77%43.35%48.78%52.15%41.57%24.45%22.59%26.58%
Equity / Assets14.9%14.33%14.87%14.88%15.89%20.52%18.39%15.83%15.84%17.04%
Book Value / Share9.149.7610.811.829.5215.8616.6620.0423.8325.75
NII Growth27.48%32.78%24.44%3.4%-1.63%11.03%47.51%52.16%5.76%-2%
Dividend Payout11.18%6.99%4.34%6.08%8.18%18.99%27.65%7.89%16.7%30%

NECB SEC Filings & Documents

Northeast Community Bancorp, Inc. (NECB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Jan 30, 2026·SEC

Material company update

Jan 27, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

NECB Frequently Asked Questions

Northeast Community Bancorp, Inc. (NECB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More NECB

Northeast Community Bancorp, Inc. (NECB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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