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Northeast Community Bancorp Inc.

NECB Financial Banks Regional

Northeast Community Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.2 million, down 2.82% from fiscal 2024.

Revenue
−5.64%
EPS
−11.8%
Free cash flow
−14.9%
Total debt
+40.4%

Quarter to June 2026, against a year earlier

29.06 0.81 −2.71%
Market cap
$399.2M
P/E
9.0×
Fwd P/E
11.9×
Dividend yield
3.10%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.64
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 3 — — 2 — — — 1 — — — 1
Insider Ownership 8.41%

Capital & Financial Ratios $m

Size
Market Cap 399.23
Revenue ttm 153.34
Net income ttm 42.42
Free cash flow ttm 48.68
Net debt Q 116.94
Valuation
P/E 9.02
Forward P/E 11.90
Price / sales 2.49
Forward P/S Powerpack
Price / FCF 7.84
Price / book 1.05
Financial health
Current ratio Q 1.29
Debt / equity Q 0.53
Interest coverage Q —
Growth
Revenue growth Q −5.64% (below 0%: shrinking)
Operating income growth Q −10.44% (below 0%: shrinking)
EPS, this year −12.77% (below 0%: weak)
EPS, next year A +38.98% (at or above 15%: strong)
Revenue, next year A −32.62% (below 0%: weak)
EPS, past 5 yrs +33.61% (at or above 15%: strong)
EPS, next 5 yrs A +7.26%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 33.55%
10-year low 10-year high
P/S against its own 10 years 33.59%
10-year low 10-year high
P/B against its own 10 years 61.06%
10-year low 10-year high

Dividends raised 3 years running

Yield
3.10%
Annual rate
0.90
Payout ratio
28.9%
Growth, 2018–26
+33.4%/yr
  1. 0.09 ’18
  2. 0.09 ’19 +0
  3. 0.11 ’20 +25
  4. 0.20 ’21 +81
  5. 0.24 ’22 +19
  6. 0.18 ’23 −25
  7. 0.41 ’24 +128
  8. 0.75 ’25 +83
  9. 0.90 ’26 +20
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 69 78 81 74
Receivables — — — —
Inventory — — — —
Other — — — —
1,663 1,900 1,949 2,001
2023 2024 2025 Q'26
Payables 1,414 1,685 1,634 1,555
ST’ Debt — — — —
Other — — — —
1,414 1,685 1,634 1,555

Compound Annual Growth %

10y 5y 3y
Sales 20.69% 25.17% 29.01%
Cash Flow 34.13% 27.41% 24.06%
Earnings 34.21% 29.22% 21.37%
Book Value 12.84% 17.99% 10.31%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.89 Actual 0.79

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.85 0.79 Miss by 0.06
Q1 FY26 0.75 0.74 Miss by 0.01
Q2 FY26 0.77 0.72 Miss by 0.05
Q3 FY26 0.89 0.79 Miss by 0.10
Q4 FY26 0.89 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.74 0.72 — — —
’25 0.78 0.82 0.87 0.79 3.25
’24 0.86 0.97 0.95 0.80 3.58
’23 0.77 0.75 0.80 0.82 3.32
’22 0.23 0.35 0.49 0.54 1.58
’21 0.20 0.23 0.05 0.27 0.75
’20 0.20 0.21 0.19 0.16 0.76
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 37 37 — — —
’25 39 39 40 40 158
’24 39 41 43 41 163
’23 30 33 35 39 136
’22 13 15 20 25 74
’21 12 12 13 13 51
’20 14 13 13 13 51
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 10 13 — — —
’25 11 16 14 12 53
’24 13 11 14 10 49
’23 11 7 13 12 43
’22 1 6 7 13 28
’21 5 3 5 9 22
’20 4 4 7 1 16
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 10 13 — — —
’25 11 15 14 12 51
’24 13 11 14 10 48
’23 11 7 13 12 42
’22 (1) 5 7 13 24
’21 4 (2) 5 8 15
’20 4 3 7 1 15
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 31 40 50 57 51 51 74 136 163 158 153 +20.0% 107 126 107 (12.3%)
Gross margin, % 82.48 83.50 81.12 73.85 80.62 89.95 88.97 74.09 64.85 66.26 67.58 (16.2) pt
EBT 8 15 17 17 16 16 34 65 66 62 60 +25.4%
EBT margin, % 26.52 36.73 33.50 29.44 30.32 30.68 46.72 47.52 40.40 39.35 39.17 +12.8 pt
Net income 5 8 13 13 12 12 25 46 47 44 42 +27.4%
Per share, $
Per share, $ Revenue 1.91 2.46 3.12 3.57 3.19 3.20 4.77 9.78 12.39 11.93 11.67 +22.5%
Earnings 0.31 0.49 0.80 0.81 0.77 0.75 1.61 3.32 3.64 3.35 3.22 +30.4%
Cash flow 0.34 0.54 0.79 0.84 0.97 1.36 1.78 3.08 3.71 3.97 3.75 +31.4%
Capex (0.20) 0.15 (0.15) (0.25) (0.07) (0.40) (0.21) (0.04) (0.04) (0.11) (0.04) (6.3%)
Free cash flow 0.14 0.69 0.64 0.59 0.90 0.96 1.57 3.03 3.67 3.85 3.71 +44.6%
Book value 6.82 7.28 8.06 8.82 9.52 15.86 16.98 20.05 24.23 26.52 27.60 +16.3%
Shares, m 16 16 16 16 16 16 15 14 13 13 13 (2.1%)
Valuation, ×
Valuation, × P/E 53.13 50.71 74.65 81.04 18.07 14.83 9.29 5.66 6.70 6.73 9.02 32.1
P/S 5.25 5.01 7.38 8.01 4.33 3.48 3.13 1.82 1.97 1.90 2.49 4.2
P/B 1.21 1.15 1.69 1.84 1.45 0.70 0.88 0.89 1.01 0.85 1.05 1.2
EV/Sales 5.07 6.16 6.66 7.13 2.44 1.04 2.13 1.79 1.50 1.83 — 3.6
EV/FCF 29.26 35.55 38.39 41.12 8.64 3.46 6.47 5.77 5.06 5.65 — 17.9
Cash, $m
Cash, $m Operating cash flow 5 9 13 13 16 22 28 43 49 53 49 +28.7%
Capex (3) 2 (2) (4) (1) (6) (3) (1) (1) (1) (1) (8.2%)
Free cash flow 2 11 10 10 15 15 24 42 48 51 49 +41.6%
Balance, $m
Balance, $m Working capital 122 119 108 92 112 184 180 249 215 315 446 +11.1%
Net debt 26 19 (9) (106) (41) (124) (74) (4) (78) (11) 117 n/m
Shareholders’ equity 109 117 130 142 154 251 262 279 318 352 363 +13.8%
Returns, %
Returns, % ROA 0.76 1.04 1.55 1.42 1.28 1.09 1.87 2.90 2.49 2.18 2.07 +1.4 pt
ROIC 3.75 6.68 8.71 29.59 8.63 7.63 11.44 14.71 17.09 11.42 7.83 +7.7 pt
ROE 4.69 7.11 10.57 9.53 8.33 5.88 9.68 17.10 15.75 13.26 12.13 +8.6 pt
People
People Employees — — — — — 133 139 141 143 146 — +2.4%
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.00 0.38 0.53 0.97 1.14 1.08 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Northeast Community Bancorp Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CZFS Citizens Financial Services Inc. $413.9M 9.6× 9.8× +8.19% (above 0%: growing) +18.66% (above 0%: growing) +84.04% (above 0%: growing) 66.14% 0.00% Compare
FNLC First Bancorp, Inc (ME) $412.9M 10.3× 10.2× +2.14% (above 0%: growing) +17.07% (above 0%: growing) −23.54% (below 0%: shrinking) 59.15% 0.00% Compare
CHMG Chemung Financial Corp $410.8M 10.7× 10.1× +6.14% (above 0%: growing) +62.35% (above 0%: growing) −3.80% (below 0%: shrinking) 75.38% 0.00% Compare
FCBM FIRST CAROL FIN $410.1M — — — — — 60.28% 0.00% Compare
NECB Northeast Community Bancorp Inc. $399.2M 9.0× 11.9× −5.64% (below 0%: shrinking) −11.76% (below 0%: shrinking) −14.85% (below 0%: shrinking) 68.91% 0.00%
FDBC Fidelity D&D Bancorp Inc. $395.8M 12.7× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
NWFL Norwood Financial Corp. $391.5M 12.4× 11.5× +28.48% (above 0%: growing) +28.36% (above 0%: growing) +65.58% (above 0%: growing) 68.32% 0.00% Compare
ISTR Investar Holding Corporation $383.0M 9.8× 9.7× +40.64% (above 0%: growing) +42.11% (above 0%: growing) +36.91% (above 0%: growing) 65.30% 0.00% Compare
PKBK Parke Bancorp, Inc. $382.0M 8.1× — +6.11% (above 0%: growing) +15.56% (above 0%: growing) +15.62% (above 0%: growing) 60.54% 0.00% Compare
Median of peers $403.0M 10.3× 10.1× +6.14% +18.66% +36.91% 65.72% 0.00%

All 327 Banks Regional stocks →

Northeast Community Bancorp Inc. (NECB) Latest News

22 Oct

Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire

21 Oct

Impact 3 · · Zacks

7 Oct

Impact 3 · · Zacks

16 Jul

Impact 3 ·

29 Apr

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

28 Apr

Impact 3 · · GlobeNewswire

13 Apr

Impact 3 · · Zacks

6 Feb

Impact 3 · · Zacks

3 Feb

Impact 3 · · Simply Wall St.

29 Jan

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

28 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · Simply Wall St.
Impact 3 · · Zacks
Impact 3 · · GlobeNewswire
Impact 3 · · Simply Wall St.

27 Jan

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

26 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

21 Jan

Impact 3 · · Zacks

14 Jan

Impact 3 · · Simply Wall St.

26 Dec

Impact 3 · · Simply Wall St.

16 Dec

Impact 3 ·

8 Dec

Impact 3 · · GlobeNewswire

27 Nov

Impact 3 · · Simply Wall St.

25 Nov

Impact 3 · · Zacks
stockrow.com/NECB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com