(NECB) Northeast Community Bancorp - Ratings and Ratios
Deposits, Loans, Securities, Annuities, Insurance
Dividends
| Dividend Yield | 4.08% |
| Yield on Cost 5y | 10.53% |
| Yield CAGR 5y | 39.00% |
| Payout Consistency | 93.2% |
| Payout Ratio | 24.7% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 31.1% |
| Value at Risk 5%th | 47.7% |
| Relative Tail Risk | -6.64% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.54 |
| Alpha | -26.68 |
| CAGR/Max DD | 0.60 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.593 |
| Beta | 0.803 |
| Beta Downside | 0.905 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.54% |
| Mean DD | 13.01% |
| Median DD | 10.35% |
Description: NECB Northeast Community Bancorp October 27, 2025
Northeast Community Bancorp Inc. (NASDAQ:NECB) is the holding company for NorthEast Community Bank, a regional lender focused on retail and commercial banking services in New York and Massachusetts. The bank’s product suite includes checking, savings, money-market and CD deposits, as well as construction, C&I, multifamily, mixed-use, non-residential real-estate, and consumer loans.
Asset composition is heavily weighted toward liquid securities: U.S. Treasury and agency obligations, municipal bonds, deposits at the Federal Home Loan Bank of New York, and FDIC-insured CDs. These holdings provide a low-cost funding base that supports the bank’s modest loan-to-deposit ratio of roughly 78% (Q2 2024), a metric that historically signals a conservative balance-sheet posture in the regional-bank sector.
In addition to traditional banking, NECB distributes life-insurance products and fixed-rate annuities, diversifying fee income. The institution operates full-service branches across Bronx, Orange, Rockland, and Sullivan counties in New York and Essex, Middlesex, and Norfolk counties in Massachusetts, supplemented by loan production offices in White Plains, New City, Danvers, and other locations.
Key economic drivers for NECB include the health of the New York-Metro housing market-particularly multifamily construction activity-and regional interest-rate trends that affect net interest margin (NIM). As of Q2 2024, NECB reported a NIM of 3.2%, modestly above the G-10 regional-bank average of 2.9%, reflecting its emphasis on higher-yielding loan products and low-cost funding.
Given the bank’s long-standing presence (founded 1934) and its focus on relatively stable, low-volatility markets, analysts often monitor its credit quality metrics (e.g., a non-performing loan ratio of 0.6% in Q2 2024) as a barometer for resilience amid macro-economic uncertainty.
If you want a deeper, data-driven dive into NECB’s valuation and risk profile, the ValueRay platform offers a transparent, model-backed analysis worth exploring.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (43.8m TTM) > 0 and > 6% of Revenue (6% = 9.42m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -915.9% (prev -952.9%; Δ 37.00pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 50.9m > Net Income 43.8m (YES >=105%, WARN >=100%) |
| Net Debt (110.5m) to EBITDA (62.3m) ratio: 1.77 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.05 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (13.6m) change vs 12m ago 1.09% (target <= -2.0% for YES) |
| Gross Margin 63.90% (prev 66.15%; Δ -2.25pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.80% (prev 8.09%; Δ -0.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.10 (EBITDA TTM 62.3m / Interest Expense TTM 55.4m) >= 6 (WARN >= 3) |
Altman Z'' -3.86
| (A) -0.70 = (Total Current Assets 77.2m - Total Current Liabilities 1.52b) / Total Assets 2.06b |
| (B) 0.12 = Retained Earnings (Balance) 236.8m / Total Assets 2.06b |
| (C) 0.03 = EBIT TTM 61.2m / Avg Total Assets 2.01b |
| (D) 0.14 = Book Value of Equity 237.2m / Total Liabilities 1.71b |
| Total Rating: -3.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 75.51
| 1. Piotroski 2.0pt |
| 2. FCF Yield 11.57% |
| 3. FCF Margin 31.29% |
| 4. Debt/Equity 0.51 |
| 5. Debt/Ebitda 1.77 |
| 6. ROIC - WACC (= 1.16)% |
| 7. RoE 13.22% |
| 8. Rev. Trend 87.16% |
| 9. EPS Trend 82.04% |
What is the price of NECB shares?
Over the past week, the price has changed by +6.49%, over one month by +14.71%, over three months by +12.33% and over the past year by -10.87%.
Is NECB a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the NECB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24 | 3% |
| Analysts Target Price | 24 | 3% |
| ValueRay Target Price | 27.8 | 19.4% |
NECB Fundamental Data Overview December 15, 2025
P/E Trailing = 7.2617
P/S = 3.0643
P/B = 0.9136
Beta = 0.421
Revenue TTM = 157.0m USD
EBIT TTM = 61.2m USD
EBITDA TTM = 62.3m USD
Long Term Debt = 170.0m USD (from longTermDebt, last quarter)
Short Term Debt = 768.0k USD (from shortTermDebt, last fiscal year)
Debt = 175.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 110.5m USD (from netDebt column, last quarter)
Enterprise Value = 424.8m USD (314.3m + Debt 175.0m - CCE 64.4m)
Interest Coverage Ratio = 1.10 (Ebit TTM 61.2m / Interest Expense TTM 55.4m)
FCF Yield = 11.57% (FCF TTM 49.1m / Enterprise Value 424.8m)
FCF Margin = 31.29% (FCF TTM 49.1m / Revenue TTM 157.0m)
Net Margin = 27.91% (Net Income TTM 43.8m / Revenue TTM 157.0m)
Gross Margin = 63.90% ((Revenue TTM 157.0m - Cost of Revenue TTM 56.7m) / Revenue TTM)
Gross Margin QoQ = 66.23% (prev 66.00%)
Tobins Q-Ratio = 0.21 (Enterprise Value 424.8m / Total Assets 2.06b)
Interest Expense / Debt = 7.62% (Interest Expense 13.3m / Debt 175.0m)
Taxrate = 28.53% (4.74m / 16.6m)
NOPAT = 43.7m (EBIT 61.2m * (1 - 28.53%))
Current Ratio = 0.05 (Total Current Assets 77.2m / Total Current Liabilities 1.52b)
Debt / Equity = 0.51 (Debt 175.0m / totalStockholderEquity, last quarter 344.0m)
Debt / EBITDA = 1.77 (Net Debt 110.5m / EBITDA 62.3m)
Debt / FCF = 2.25 (Net Debt 110.5m / FCF TTM 49.1m)
Total Stockholder Equity = 331.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.13% (Net Income 43.8m / Total Assets 2.06b)
RoE = 13.22% (Net Income TTM 43.8m / Total Stockholder Equity 331.6m)
RoCE = 12.20% (EBIT 61.2m / Capital Employed (Equity 331.6m + L.T.Debt 170.0m))
RoIC = 8.87% (NOPAT 43.7m / Invested Capital 492.9m)
WACC = 7.71% (E(314.3m)/V(489.3m) * Re(8.97%) + D(175.0m)/V(489.3m) * Rd(7.62%) * (1-Tc(0.29)))
Discount Rate = 8.97% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.20%
[DCF Debug] Terminal Value 78.49% ; FCFE base≈49.4m ; Y1≈60.9m ; Y5≈104.0m
Fair Price DCF = 110.3 (DCF Value 1.49b / Shares Outstanding 13.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 82.04 | EPS CAGR: 34.88% | SUE: 0.20 | # QB: 0
Revenue Correlation: 87.16 | Revenue CAGR: 33.37% | SUE: 0.30 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.80 | Chg30d=+0.040 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=3.37 | Chg30d=+0.160 | Revisions Net=+1 | Growth EPS=+3.1% | Growth Revenue=+7.6%
Additional Sources for NECB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle