(NECB) Northeast Community Bancorp - Ratings and Ratios
Deposits, Loans, Securities, Annuities, Insurance
NECB EPS (Earnings per Share)
NECB Revenue
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.
NECB Stock Overview
| Market Cap in USD | 251m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2006-07-06 |
NECB Stock Ratings
| Growth Rating | 20.6% |
| Fundamental | 81.2% |
| Dividend Rating | 86.1% |
| Return 12m vs S&P 500 | -35.7% |
| Analyst Rating | 3.0 of 5 |
NECB Dividends
| Dividend Yield 12m | 4.66% |
| Yield on Cost 5y | 13.61% |
| Annual Growth 5y | 49.53% |
| Payout Consistency | 93.2% |
| Payout Ratio | 24.0% |
NECB Growth Ratios
| Growth Correlation 3m | -31.5% |
| Growth Correlation 12m | -79.8% |
| Growth Correlation 5y | 94.5% |
| CAGR 5y | 19.29% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.56 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.64 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | -37.35 |
| Beta | 0.529 |
| Volatility | 37.01% |
| Current Volume | 40.5k |
| Average Volume 20d | 45.2k |
| Stop Loss | 19.5 (-4.3%) |
| Signal | 0.20 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (22.9m TTM) > 0 and > 6% of Revenue (6% = 9.55m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 0.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -908.5% (prev -944.1%; Δ 35.59pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 51.2m > Net Income 22.9m (YES >=105%, WARN >=100%) |
| Net Debt (80.7m) to EBITDA (63.3m) ratio: 1.27 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.02 (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 2.90% (target <= -2.0% for YES) |
| Gross Margin 63.36% (prev 67.76%; Δ -4.40pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.16% (prev 7.88%; Δ 0.27pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.09 (EBITDA TTM 63.3m / Interest Expense TTM 57.0m) >= 6 (WARN >= 3) |
Altman Z'' -4.07
| (A) -0.73 = (Total Current Assets 32.5m - Total Current Liabilities 1.48b) / Total Assets 1.97b |
| (B) 0.12 = Retained Earnings (Balance) 230.3m / Total Assets 1.97b |
| (C) 0.03 = EBIT TTM 62.1m / Avg Total Assets 1.95b |
| (D) 0.14 = Book Value of Equity 230.7m / Total Liabilities 1.64b |
| Total Rating: -4.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 81.24
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 13.41% = 5.0 |
| 3. FCF Margin 31.26% = 7.50 |
| 4. Debt/Equity 0.42 = 2.42 |
| 5. Debt/Ebitda 1.27 = 1.35 |
| 6. ROIC - WACC (= 10.63)% = 12.50 |
| 7. RoE 7.09% = 0.59 |
| 8. Rev. Trend 83.50% = 6.26 |
| 9. EPS Trend -27.64% = -1.38 |
What is the price of NECB shares?
Over the past week, the price has changed by +0.64%, over one month by +1.10%, over three months by -6.06% and over the past year by -22.99%.
Is Northeast Community Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NECB is around 21.31 USD . This means that NECB is currently overvalued and has a potential downside of 4.61%.
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 | 17.8% |
| Analysts Target Price | 24 | 17.8% |
| ValueRay Target Price | 23.9 | 17.5% |
NECB Fundamental Data Overview October 20, 2025
P/E Trailing = 6.0
P/S = 2.4363
P/B = 0.7612
Beta = 0.529
Revenue TTM = 159.2m USD
EBIT TTM = 62.1m USD
EBITDA TTM = 63.3m USD
Long Term Debt = 135.0m USD (from longTermDebt, last quarter)
Short Term Debt = 768.0k USD (from shortTermDebt, last fiscal year)
Debt = 140.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 80.7m USD (from netDebt column, last quarter)
Enterprise Value = 371.0m USD (251.3m + Debt 140.1m - CCE 20.4m)
Interest Coverage Ratio = 1.09 (Ebit TTM 62.1m / Interest Expense TTM 57.0m)
FCF Yield = 13.41% (FCF TTM 49.8m / Enterprise Value 371.0m)
FCF Margin = 31.26% (FCF TTM 49.8m / Revenue TTM 159.2m)
Net Margin = 14.38% (Net Income TTM 22.9m / Revenue TTM 159.2m)
Gross Margin = 63.36% ((Revenue TTM 159.2m - Cost of Revenue TTM 58.3m) / Revenue TTM)
Gross Margin QoQ = 66.00% (prev 64.05%)
Tobins Q-Ratio = 0.19 (Enterprise Value 371.0m / Total Assets 1.97b)
Interest Expense / Debt = 9.25% (Interest Expense 13.0m / Debt 140.1m)
Taxrate = -26.43% (negative due to tax credits) (-4.08m / 15.4m)
NOPAT = 78.6m (EBIT 62.1m * (1 - -26.43%)) [negative tax rate / tax credits]
Current Ratio = 0.02 (Total Current Assets 32.5m / Total Current Liabilities 1.48b)
Debt / Equity = 0.42 (Debt 140.1m / totalStockholderEquity, last quarter 336.7m)
Debt / EBITDA = 1.27 (Net Debt 80.7m / EBITDA 63.3m)
Debt / FCF = 1.62 (Net Debt 80.7m / FCF TTM 49.8m)
Total Stockholder Equity = 323.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (Net Income 22.9m / Total Assets 1.97b)
RoE = 7.09% (Net Income TTM 22.9m / Total Stockholder Equity 323.0m)
RoCE = 13.57% (EBIT 62.1m / Capital Employed (Equity 323.0m + L.T.Debt 135.0m))
RoIC = 19.93% (NOPAT 78.6m / Invested Capital 394.1m)
WACC = 9.30% (E(251.3m)/V(391.4m) * Re(7.96%) + D(140.1m)/V(391.4m) * Rd(9.25%) * (1-Tc(-0.26)))
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -4.20%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈49.2m ; Y1≈60.7m ; Y5≈103.5m
Fair Price DCF = 138.3 (DCF Value 1.76b / Shares Outstanding 12.7m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -27.64 | EPS CAGR: -52.96% | SUE: -4.0 | # QB: 0
Revenue Correlation: 83.50 | Revenue CAGR: 27.28% | SUE: 0.29 | # QB: 0
Additional Sources for NECB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle