Last 29 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.55 | 8.24 | 9.63 | 8.04 | 7.16 | 5.91 | 7.09 | 7.51 | 8.26 | 6.96 | 4.59 | 4.57 | 5.41 | 4.61 | 4.96 | 4.26 | 6.91 | 6.33 | 8.41 | 13.32 | 10.31 |
| — | +39.4% | +35.9% | +7.0% | -13.4% | -15.1% | +54.3% | +64.3% | +52.8% | +50.9% | -7.4% | +7.3% | -21.7% | -27.1% | -41.0% | -68.0% | -33.0% | -88.4% | -10.4% | -13.5% | -16.0% | |
| P/S Ratio | 3.92 | 3.41 | 3.71 | 3.23 | 2.96 | 2.67 | 3.13 | 3.12 | 3.35 | 3.31 | 2.24 | 2.03 | 2.46 | 2.22 | 2.24 | 2.01 | 2.63 | 2.72 | 3.26 | 3.97 | 3.52 |
| — | +27.8% | +18.5% | +3.6% | -11.7% | -19.4% | +40.0% | +53.4% | +36.1% | +48.8% | +0.0% | +0.9% | -6.4% | -18.2% | -31.4% | -49.3% | -25.2% | -26.6% | +3.4% | -13.9% | -8.2% | |
| P/B Ratio | 1.13 | 0.95 | 1.04 | 0.90 | 0.88 | 0.81 | 0.94 | 0.97 | 1.04 | 1.15 | 0.78 | 0.72 | 0.94 | 0.80 | 0.81 | 0.73 | 0.87 | 0.74 | 0.71 | 0.75 | 0.69 |
| — | +17.5% | +10.6% | -7.0% | -15.8% | -29.2% | +19.6% | +35.3% | +11.2% | +42.7% | -3.7% | -2.2% | +7.5% | +8.4% | +13.9% | -1.7% | +27.2% | +8.6% | -18.3% | -41.0% | -36.5% | |
| P/FCF | 8.65 | 7.82 | 7.28 | 7.78 | 6.55 | 5.13 | 5.30 | 7.52 | 8.23 | 6.23 | 5.34 | 4.04 | 5.59 | 4.29 | 7.97 | 4.44 | 4.39 | 7.09 | 8.36 | — | 5.29 |
| — | +52.5% | +37.4% | +3.5% | -20.4% | -17.7% | -0.8% | +86.2% | +47.1% | +45.3% | -33.0% | -9.0% | +27.3% | -39.5% | -4.6% | — | -17.0% | -19.0% | — | — | -92.1% | |
| EV / EBITDA | 4.17 | 2.57 | 4.93 | 2.61 | 4.77 | 5.77 | 6.30 | 3.90 | 4.37 | 3.76 | 2.40 | 2.33 | 3.76 | 2.69 | 1.83 | 2.06 | 3.02 | 3.94 | 4.09 | 1.94 | 2.21 |
| — | -55.4% | -21.8% | -32.9% | +9.2% | +53.3% | +162.0% | +67.3% | +16.1% | +39.7% | +31.6% | +13.1% | +24.4% | -31.6% | -55.3% | +6.0% | +36.5% | -78.5% | +951.4% | -79.9% | -69.9% | |
| EV / EBIT | 6.34 | 2.57 | 4.93 | 2.61 | 4.86 | 5.87 | 6.42 | 3.98 | 4.46 | 3.83 | 2.44 | 2.37 | 3.83 | 2.74 | 1.86 | 2.10 | 3.11 | 4.06 | 4.26 | 2.07 | 2.33 |
| — | -56.2% | -23.2% | -34.2% | +9.0% | +53.3% | +162.6% | +67.6% | +16.5% | +39.5% | +31.2% | +12.9% | +23.2% | -32.4% | -56.3% | +1.7% | +33.5% | -82.6% | +937.5% | -80.0% | -70.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.1% | 100.0% | 96.6% | 100.0% | 101.3% | 100.0% | 100.0% | 99.1% | 95.9% | 99.6% | 100.9% | 100.6% | 99.2% | 99.4% | 97.5% | 100.0% | 98.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| — | 0.0% | -3.4% | +0.9% | +5.7% | +0.4% | -0.9% | -1.6% | -3.4% | +0.2% | +3.4% | +0.7% | +1.3% | -0.6% | -2.5% | -0.0% | -2.0% | +45.8% | 0.0% | +0.2% | +0.5% | |
| Operating Margin | 59.9% | 58.5% | 54.6% | 56.4% | 59.7% | 63.5% | 61.3% | 57.4% | 58.5% | 65.5% | 67.4% | 62.7% | 64.5% | 66.2% | 63.5% | 65.8% | 58.2% | 56.1% | 50.4% | 39.7% | 44.9% |
| — | -7.8% | -10.9% | -1.9% | +2.0% | -3.1% | -9.0% | -8.5% | -9.2% | -1.0% | +6.2% | -4.6% | +10.7% | +17.9% | +26.0% | +65.5% | +29.6% | +545.6% | +15.9% | +1.5% | +20.6% | |
| Net Margin | 42.7% | 41.2% | 38.7% | 39.9% | 41.4% | 45.4% | 44.4% | 41.4% | 41.2% | 47.3% | 48.8% | 44.5% | 45.5% | 48.1% | 45.3% | 46.9% | 38.0% | 42.6% | 38.4% | 30.4% | 34.3% |
| — | -9.2% | -12.8% | -3.7% | +0.4% | -4.1% | -9.0% | -6.9% | -9.3% | -1.7% | +7.8% | -5.1% | +19.6% | +13.1% | +17.8% | +54.3% | +10.8% | +567.2% | +15.2% | +1.2% | +7.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.3% | 2.9% | 2.7% | 2.8% | 3.1% | 3.5% | 3.4% | 3.3% | 3.3% | 4.2% | 4.3% | 4.0% | 4.4% | 4.4% | 4.2% | 4.3% | 3.2% | 2.9% | 2.1% | 1.4% | 1.7% |
| — | -16.5% | -19.0% | -14.1% | -4.5% | -16.2% | -22.6% | -18.2% | -25.8% | -4.8% | +4.3% | -6.6% | +38.6% | +49.6% | +97.3% | +197.5% | +88.1% | +719.4% | -9.8% | -31.0% | -37.1% | |
| ROA | 2.2% | 0.5% | 0.5% | 0.5% | 0.5% | 0.6% | 0.6% | 0.5% | 0.5% | 0.7% | 0.7% | 0.6% | 0.7% | 0.7% | 0.7% | 0.8% | 0.6% | 0.6% | 0.4% | 0.3% | 0.4% |
| — | -16.3% | -17.2% | -9.2% | +2.2% | -9.5% | -15.2% | -14.4% | -26.0% | -8.3% | -5.2% | -18.4% | +13.9% | +18.0% | +65.0% | +164.0% | +69.0% | +800.9% | +18.2% | -13.3% | -18.6% | |
| ROIC | 12.5% | 2.4% | 2.2% | 2.6% | 2.5% | 2.5% | 2.9% | 3.4% | 3.4% | 3.9% | 3.8% | 3.5% | 3.7% | 3.9% | 4.1% | 4.2% | 3.3% | 2.6% | 1.9% | 1.3% | 1.5% |
| — | -2.6% | -22.9% | -22.3% | -26.7% | -36.1% | -25.2% | -3.8% | -9.8% | +0.2% | -7.2% | -16.7% | +12.4% | +47.6% | +117.2% | +228.4% | +126.8% | +736.9% | -0.6% | -24.9% | -16.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.01 | 0.54 | 0.07 | 0.21 | 0.51 | 0.42 | 0.01 | 0.01 | 0.04 | 0.17 | 0.18 | 0.25 | 0.24 | 0.06 | 0.06 | 0.09 | 0.09 | 0.09 | 0.09 | 0.12 |
| — | -97.5% | +29.2% | +401.6% | +1343.6% | +1230.0% | +140.3% | -92.2% | -94.0% | -84.3% | +180.2% | +182.0% | +171.6% | +167.7% | -33.6% | -32.2% | -26.3% | -27.3% | -52.2% | -52.9% | -39.7% | |
| Debt / EBITDA | 1.19 | 0.17 | 7.73 | 0.97 | 4.74 | 10.37 | 8.91 | 0.31 | 0.32 | 0.66 | 2.89 | 3.19 | 3.96 | 4.02 | 1.05 | 1.04 | 1.84 | 2.32 | 3.24 | 4.74 | 5.38 |
| — | -98.3% | -13.3% | +215.3% | +1386.0% | +1463.3% | +208.4% | -90.4% | -92.0% | -83.5% | +175.2% | +205.8% | +115.7% | +73.3% | -67.6% | -78.0% | -65.8% | -90.6% | -47.1% | -31.9% | -25.6% | |
| Current Ratio | 0.06 | 0.07 | 0.08 | 0.05 | 0.06 | 0.05 | 0.05 | 0.06 | 0.05 | 0.07 | 0.08 | 0.08 | 0.06 | 0.09 | 0.10 | 0.07 | 0.09 | 0.06 | 0.10 | 0.18 | 0.17 |
| — | +40.5% | +56.3% | -16.2% | +4.0% | -25.5% | -40.6% | -19.3% | -5.1% | -20.9% | -17.8% | +10.6% | -37.5% | +38.6% | +0.6% | -60.2% | -45.1% | -54.5% | -53.0% | +131.3% | +78.3% | |
| Quick Ratio | 0.06 | 0.07 | 0.08 | 0.05 | 0.06 | 0.05 | 0.05 | 0.06 | 0.05 | 0.07 | 0.08 | 0.08 | 0.06 | 0.09 | 0.10 | 0.07 | 0.09 | 0.06 | 0.10 | 0.18 | 0.17 |
| — | +40.5% | +56.3% | -16.2% | +4.0% | -25.5% | -40.6% | -19.3% | -5.1% | -20.9% | -17.8% | +10.6% | -37.5% | +38.6% | +0.6% | -60.2% | -45.1% | -54.5% | -53.0% | +131.3% | +78.3% | |
| Interest Coverage | 1.17 | 2.20 | 2.21 | 2.19 | 1.19 | 1.24 | 1.19 | 1.05 | 0.96 | 1.18 | 1.26 | 1.22 | 1.44 | 1.63 | 2.02 | 2.78 | 3.55 | 5.17 | 5.46 | 3.53 | 4.76 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 29 years · Updated daily
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Quick answers to the most common questions about buying NECB stock.
Northeast Community Bancorp, Inc.'s current P/E is 9.5x. The average P/E over the last 4 quarters is 8.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Northeast Community Bancorp, Inc.'s current operating margin is 59.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Northeast Community Bancorp, Inc.'s business trajectory between earnings reports.