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NECBNortheast Community Bancorp, Inc.
$29.01$401M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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NECB logo

Northeast Community Bancorp, Inc.

NECB
NASDAQ · Regional Banks
$29.01
At close - Nov 6, 4:00 PM EST - USD
Market Cap$401M
P/E9.5x
52W High$30.50
Volume41.67K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Cheap Valuation Collides With Structural Margin Erosion

NECB trades at 8.41x trailing earnings and 1.06x tangible book, yet the underlying franchise shows structural deterioration: net interest income has fallen for five consecutive quarters from $26.3M (2024Q3) to $24.6M (2026Q2), net interest margin has compressed from 1.4% to 1.2%, and ROE has declined from 4.3% to 2.7%.

GrowthContracting
ProfitabilityModerate
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

NECB price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

-25% Peers

P/E is 25% below peer median

03

Market leadership

RS 81 · Leader

High momentum (Outperforming 81% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 22

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
NECB+31.36%
S&P 500 (^GSPC)+7.63%
1-Year Return
NECB+52.06%
S&P 500 (^GSPC)+9.69%
3-Year Return
NECB+94.07%
S&P 500 (^GSPC)+68.82%
5-Year Return
NECB+187.71%
S&P 500 (^GSPC)+56.86%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
9.5x
Forward P/E
10.2x
EV/EBITDA60th %ile
4.2x
FCF YieldCash Flow
11.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
9.5x
7.0x
80th· High
EV/EBITDA
4.2x
3.8x
60th· Fair
Price/FCF
8.7x
6.8x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$104M+1.3% YoY
Net income FY25
$44M-5.7% YoY
Free cash flow FY25
$51M+5.5% YoY
Operating margin FY25
59.9%-4.2 pts YoY
ROIC (FY25)12.5%
Avg ROIC 5Y11.3%
ROE (TTM)11.4%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 22, 2026
$0.79-4.2%
vs $0.82
$26M-7.3%
vs $28M
Q3 2026
Jul 24, 2026
$0.72-5.3%
vs $0.76
$26M+0.7%
vs $26M
Q2 2026
Apr 29, 2026
$0.74-1.3%
vs $0.75
$25M-5.6%
vs $26M
Q1 2026
Jan 28, 2026
$0.79-7.1%
vs $0.85
$26M-2.6%
vs $27M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Zacks Investment Research·Oct 22, 2026
Northeast Community Bancorp (NECB) Q3 Earnings and Revenues Miss Estimates

Northeast Community Bancorp (NECB) came out with quarterly earnings of $0.79 per share, missing the Zacks Consensus Estimate of $0.89 per share. This compares to earnings of $0.87 per share a year ago.

GlobeNewsWire·Oct 22, 2026
NorthEast Community Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2026

WHITE PLAINS, N.Y., Oct. 22, 2026 (GLOBE NEWSWIRE) -- NorthEast Community Bancorp, Inc. (Nasdaq: NECB) (the “Company”), the parent holding company of NorthEast Community Bank (the “Bank”), reported net income of $10.7 million, or $0.81 per basic share and $0.79 per diluted share, for the three months ended September 30, 2026 compared to net income of $11.9 million, or $0.90 per basic share and $0.87 per diluted share, for the three months ended September 30, 2025.

Zacks Investment Research·Oct 15, 2026
Northeast Community Bancorp (NECB) Earnings Expected to Grow: What to Know Ahead of Q3 Release

Northeast Community Bancorp (NECB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Zacks Investment Research·Oct 7, 2026
Northeast Community Bancorp (NECB) Upgraded to Buy: Here's Why

Northeast Community Bancorp (NECB) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Filtered for Northeast Community Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark NECB against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Northeast Community Bancorp, Inc. (NECB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NECB logoNECBNortheast Community Bancorp, Inc.Current
$29.01$400.78M9.551.33%40.32%11.44%3.36%
NBTB logoNBTBNBT Bancorp Inc.
$52.83$2.75B12.6814.54%28.98%11.31%2.7%
TRST logoTRSTTrustCo Bank Corp NY
$57.30$975.7M14.689.38%42.23%10%2.63%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.38$225.48M16.12-9.39%28.36%7.64%1.59%
DCOM logoDCOMDime Community Bancshares, Inc.
$42.21$1.86B12.7544.2%28.05%9.5%2.36%
KRNY logoKRNYKearny Financial Corp.
$9.01$567.03M15.5615.66%20.46%4.84%4.89%

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, CZWI, DCOM

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

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

Oct 23, 2026·SEC

Material company update

Jul 27, 2026·SEC

Material company update

May 26, 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 2026

Nov 6, 2026·SEC

FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

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NECB Frequently Asked Questions

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

Growth & Financials
How fast is Northeast Community Bancorp, Inc. growing?

Northeast Community Bancorp, Inc. (NECB) grew revenue by 0.6% over the trailing twelve months, compared with the twelve months before.

Is NECB profitable?

Yes. Northeast Community Bancorp, Inc. (NECB) earned $41.2M in net income over the trailing twelve months (a 40.3% net margin).

Dividend & Returns
Does NECB pay dividends?

Yes. Northeast Community Bancorp, Inc. (NECB) pays a dividend that yields 3.36% at the current price, a moderate yield.

What is NECB's return on equity?

Northeast Community Bancorp, Inc. (NECB) had a return on equity (ROE) of 11.4% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Northeast Community Bancorp, Inc.'s net interest margin?

Northeast Community Bancorp, Inc. (NECB) has a net interest margin (NIM) of 4.9%. This indicates healthy earnings from lending activities.

What is Northeast Community Bancorp, Inc.'s efficiency ratio?

Northeast Community Bancorp, Inc. (NECB) has an efficiency ratio of 40.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NECB back in 2004?

Total return calculator · dividends reinvested · 22+ years of data

See returns →