NorthEast Community Bancorp, In (NECB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

NorthEast Community Bancorp, In

NasdaqCM•Financial Services•Banks - Regional

$26.74-0.43(-0.02%)Pre-market

Market Cap

$358.59M

P/E

8.5x

P/S

3.5x

P/B

1.0x

Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest-bearing demand accounts, as well as certificates of deposits. The company also offers construction, commercial and industrial loans, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and state and municipal governments. Further, the company offers life insurance products and fixed rate annuities. It operates full-service branches located in Bronx, New York, Orange, Rockland, and Sullivan Counties in New York, Essex, Middlesex, and Norfolk Counties in Massachusetts; and loan production offices located in White Plains, New York; New City, New York; and Danvers, Massachusetts. Additionally, the company provides services such as personal loans and overdraft protection, and utilizes brokered, listing service, and military deposits, as well as borrowings, sources of funds, and retail deposit products. Northeast Community Bancorp, Inc. was founded in 1934 and is headquartered in White Plains, New York.

How this company scores

AverageMetricSide Score: 51/100

Strongest: Cash & Earnings Quality (18/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability17/25

Growth8/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality18/25

Strengths

Strong marginsCash-backed earningsConsistent free cash flowImproving margins

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.5x5y range 6.2x – 30.2x

Currently near its 19-quarter median.

P/S · 3.5x5y range 2.6x – 8.6x

Currently near its 19-quarter median.

P/B · 1.0x5y range 0.8x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

Debt-to-equity has risen 30.7% recently — increasing financial risk even if the current ratio is manageable.

Revenue Decline

Watch

Revenue has softened, declining in 6 quarters. Watch for further erosion.

Price & Volume

Market Cap $358.59M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $103.09M
Q. Revenue: $24.43M
TTM EBITDA: $61.79M
TTM Op. Income: $60.06M
Q. Op. Income: $13.81M
TTM Net Income: $42.42M
Q. Net Income: $9.79M
EPS: $0.75
Shares Out.: $13.13M

$103.09M in TTM revenue declined 0.0% YoY, reaching $24.43M last quarter. TTM EBITDA of $61.79M and TTM operating income of $60.06M show growth is flowing through to the bottom line. TTM net income of $42.42M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 53.3%
EBITDA Margin: 57.7%
Op. Margin: 56.5%
Net Margin: 40.1%

Op. margin of 56.5% is down 2.9% YoY — costs are rising relative to revenue. Net margin at 40.1% and gross margin of 53.3% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 5% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 8.5x
P/S Ratio: 3.5x
P/B Ratio: 1.0x

At 8.5x P/E, the stock trades below typical market levels. P/S of 3.5x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.12B
Cash: $73.41M
Long-Term Debt: $190.00M
Book Value: $362.57M
D/E Ratio: 0.5
Debt/EBITDA: 13.5

With $2.12B in assets and $190.00M in long-term debt, D/E is 0.5and book value is $362.57M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 31% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $12.80M
TTM Free Cash Flow: $48.41M
FCF Margin: 47.0%
FCF / Net Income: 1.1

TTM FCF of $48.41M on $12.80M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.