Northeast Community Bancorp, Inc. (NECB) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
5.22
↑+29% vs avg
5yr avg: 4.04
30Y Low0.2·High29.4
P/FCF
↓
6.63
↓-17% vs avg
5yr avg: 8.02
30Y Low5.9·High41.6
P/B Ratio
↑
0.95
+8% vs avg
5yr avg: 0.88
30Y Low0.5·High1.2
ROE
↑
13.3%
↓+7% vs avg
5yr avg: 12.3%
30Y Low-2%·High17%
Debt/EBITDA
↓
1.19
↑+23% vs avg
5yr avg: 0.97
30Y Low0.1·High13.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NECB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Northeast Community Bancorp, Inc. trades at 7.5x earnings, 14% below its 5-year average of 8.7x, sitting at the 17th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 44%. On a free-cash-flow basis, the stock trades at 6.6x P/FCF, 17% below the 5-year average of 8.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $337M | $309M | $327M | $247M | $235M | $176M | $166M | $108M | $99M | $90M | $71M |
| Enterprise Value | $331M | $303M | $253M | $248M | $163M | $55M | $129M | $3M | $90M | $153M | $97M |
| P/E Ratio → | 7.50 | 6.96 | 6.95 | 5.34 | 9.44 | 14.84 | 13.55 | 8.32 | 7.60 | 11.25 | 14.05 |
| P/S Ratio | 2.14 | 1.96 | 2.04 | 1.85 | 3.19 | 3.48 | 3.23 | 1.87 | 1.97 | 2.26 | 2.30 |
| P/B Ratio | 0.95 | 0.88 | 1.03 | 0.89 | 0.90 | 0.70 | 1.08 | 0.76 | 0.77 | 0.77 | 0.65 |
| P/FCF | 6.63 | 6.07 | 6.78 | 5.86 | 9.68 | 11.68 | 11.55 | 11.46 | 10.48 | 12.19 | 31.54 |
| P/OCF | 6.41 | 5.87 | 6.71 | 5.77 | 8.52 | 8.19 | 10.62 | 8.02 | 7.87 | 10.33 | 13.01 |
P/E links to full P/E history page with 30-year chart
NECB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Northeast Community Bancorp, Inc.'s enterprise value stands at 5.2x EBITDA, 29% above its 5-year average of 4.0x. The Financial Services sector median is 11.4x, placing the stock at a 54% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.92 | 1.58 | 1.85 | 2.22 | 1.09 | 2.50 | 0.05 | 1.79 | 3.83 | 3.16 |
| EV / EBITDA | 5.22 | 4.77 | 3.78 | 3.75 | 4.57 | 3.31 | 7.71 | 0.16 | 5.13 | 9.99 | 10.90 |
| EV / EBIT | 5.32 | 4.86 | 3.85 | 3.83 | 4.74 | 3.54 | 8.24 | 0.17 | 5.38 | 10.55 | 11.92 |
| EV / FCF | — | 5.96 | 5.25 | 5.87 | 6.73 | 3.65 | 8.93 | 0.31 | 9.53 | 20.67 | 43.34 |
NECB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Northeast Community Bancorp, Inc. earns an operating margin of 39.6%, significantly above the Financial Services sector average of 21.2%. Operating margins have compressed from 48.4% to 39.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 13.3% is modest. ROIC of 12.5% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.1% | 66.1% | 63.7% | 72.9% | 88.4% | 82.8% | 79.1% | 72.7% | 79.0% | 83.6% | 82.0% |
| Operating Margin | 39.6% | 39.6% | 41.1% | 48.4% | 46.8% | 30.7% | 30.3% | 29.6% | 33.3% | 36.3% | 26.5% |
| Net Profit Margin | 28.2% | 28.2% | 29.4% | 34.6% | 33.8% | 23.5% | 23.9% | 22.4% | 25.8% | 20.1% | 16.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.3% | 13.3% | 15.8% | 17.1% | 9.7% | 5.9% | 8.3% | 9.5% | 10.6% | 7.1% | 4.7% |
| ROA | 2.2% | 2.2% | 2.5% | 2.9% | 1.9% | 1.1% | 1.3% | 1.4% | 1.5% | 1.0% | 0.8% |
| ROIC | 12.5% | 12.5% | 14.7% | 15.3% | 9.1% | 5.0% | 6.7% | 7.6% | 7.2% | 6.1% | 3.6% |
| ROCE | 16.2% | 16.2% | 18.7% | 19.4% | 11.5% | 6.3% | 8.4% | 9.5% | 6.3% | 5.4% | 4.5% |
NECB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Northeast Community Bancorp, Inc. carries a Debt/EBITDA ratio of 1.2x, which is manageable (71% below the sector average of 4.1x). The company holds a net cash position — cash of $81M exceeds total debt of $75M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.21 | 0.01 | 0.25 | 0.09 | 0.12 | 0.21 | 0.16 | 0.33 | 0.54 | 0.64 |
| Debt / EBITDA | 1.19 | 1.19 | 0.07 | 1.05 | 0.67 | 1.86 | 1.89 | 1.25 | 2.41 | 4.10 | 7.89 |
| Net Debt / Equity | — | -0.02 | -0.23 | 0.00 | -0.27 | -0.48 | -0.25 | -0.74 | -0.07 | 0.54 | 0.24 |
| Net Debt / EBITDA | -0.10 | -0.10 | -1.10 | 0.01 | -2.00 | -7.27 | -2.26 | -5.84 | -0.51 | 4.10 | 2.97 |
| Debt / FCF | — | -0.12 | -1.53 | 0.01 | -2.95 | -8.03 | -2.62 | -11.15 | -0.95 | 8.48 | 11.80 |
| Interest Coverage | 1.17 | 1.17 | 1.15 | 1.83 | 4.24 | 3.05 | 1.56 | 1.13 | 1.77 | 2.23 | 1.51 |
Net cash position: cash ($81M) exceeds total debt ($75M)
NECB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.06x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.06 | 0.06 | 0.05 | 0.06 | 0.09 | 0.17 | 0.09 | 0.17 | 0.09 | 0.11 | 0.09 |
| Quick Ratio | 0.06 | 0.06 | 0.05 | 0.06 | 0.09 | 0.17 | 0.09 | 0.17 | 0.09 | 0.11 | 0.09 |
| Cash Ratio | 0.05 | 0.05 | 0.05 | 0.05 | 0.09 | 0.16 | 0.09 | 0.16 | 0.07 | — | 0.08 |
| Asset Turnover | — | 0.08 | 0.08 | 0.08 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
NECB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Northeast Community Bancorp, Inc. returns 4.5% to shareholders annually — split between a 4.0% dividend yield and 0.5% buyback yield. The payout ratio of 30.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 13.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.0% | 4.3% | 2.4% | 1.5% | 2.9% | 1.3% | 0.6% | 0.7% | 0.6% | 0.6% | 0.8% |
| Payout Ratio | 30.0% | 30.0% | 16.7% | 7.9% | 27.6% | 19.0% | 8.2% | 6.1% | 4.3% | 7.0% | 11.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 13.3% | 14.4% | 14.4% | 18.7% | 10.6% | 6.7% | 7.4% | 12.0% | 13.2% | 8.9% | 7.1% |
| FCF Yield | 15.1% | 16.5% | 14.7% | 17.1% | 10.3% | 8.6% | 8.7% | 8.7% | 9.5% | 8.2% | 3.2% |
| Buyback Yield | 0.5% | 0.5% | 1.0% | 11.6% | 4.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.2% | 0.1% |
| Total Shareholder Yield | 4.5% | 4.8% | 3.4% | 13.1% | 6.9% | 1.3% | 0.6% | 0.7% | 0.6% | 0.9% | 0.9% |
| Shares Outstanding | — | $14M | $13M | $14M | $16M | $16M | $16M | $12M | $12M | $12M | $12M |
Peer Comparison
Compare NECB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NECBYou | $337M | 7.5 | 5.2 | 6.6 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 TRST | $861M | 15.0 | 11.2 | 18.8 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 NFBK | $587M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 CZWI | $203M | 14.4 | 15.2 | 19.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 DCOM | $2B | 15.7 | -2.2 | 9.0 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 KRNY | $510M | 19.3 | 44.6 | 23.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 MNSB | $175M | 13.3 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 FNF | $14B | 23.2 | 7.0 | 2.2 | 98.2% | 9.9% | 6.9% | 10.3% | 2.1 |
 FAF | $7B | 11.7 | 7.4 | 9.4 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
 FICO | $25B | 40.2 | 29.5 | 32.1 | 82.2% | 46.5% | — | 59.7% | 3.3 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 22 years · Updated daily
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Start ComparisonNECB — Frequently Asked Questions
Quick answers to the most common questions about buying NECB stock.
What is Northeast Community Bancorp, Inc.'s P/E ratio?
Northeast Community Bancorp, Inc.'s current P/E ratio is 7.5x. The historical average is 26.0x. This places it at the 17th percentile of its historical range.
What is Northeast Community Bancorp, Inc.'s EV/EBITDA?
Northeast Community Bancorp, Inc.'s current EV/EBITDA is 5.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.5x.
What is Northeast Community Bancorp, Inc.'s ROE?
Northeast Community Bancorp, Inc.'s return on equity (ROE) is 13.3%. The historical average is 5.9%.
Is NECB stock overvalued?
Based on historical data, Northeast Community Bancorp, Inc. is trading at a P/E of 7.5x. This is at the 17th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Northeast Community Bancorp, Inc.'s dividend yield?
Northeast Community Bancorp, Inc.'s current dividend yield is 4.00% with a payout ratio of 30.0%.
What are Northeast Community Bancorp, Inc.'s profit margins?
Northeast Community Bancorp, Inc. has 66.1% gross margin and 39.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Northeast Community Bancorp, Inc. have?
Northeast Community Bancorp, Inc.'s Debt/EBITDA ratio is 1.2x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.