Saturday 17 October 2026
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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. In the quarter to June 2026, revenue fell 5.64%, EPS fell 11.8%, free cash flow fell 14.9% and total debt rose 40.4%, each against the same quarter a year earlier. Dividend growth for three consecutive years, operating cash flow growth for ten.
27.63
0.05
−0.18%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
39.68 | 50.71 | 55.68 | 60.46 | 13.49 | 14.83 | 9.29 | 5.66 | 6.70 | 6.73 |
Piotroski F-Score |
5 | 7 | 5 | 5 | 5 | 7 | 7 | 6 | 6 | 5 |
P/S ratio |
3.92 | 5.01 | 5.51 | 5.98 | 3.23 | 3.48 | 3.13 | 1.82 | 1.97 | 1.90 |
P/FCF ratio |
22.63 | 28.93 | 31.77 | 34.49 | 11.46 | 11.60 | 9.52 | 5.86 | 6.67 | 5.87 |
P/Operating CF |
622.60 | 795.66 | 873.75 | 948.67 | 164.86 | 19.81 | 17.62 | 20.68 | 31.39 | 25.04 |
P/B ratio |
0.90 | 1.15 | 1.26 | 1.37 | 1.08 | 0.70 | 0.88 | 0.89 | 1.01 | 0.85 |
Price to Tangible BV |
0.91 | 1.16 | 1.28 | 1.39 | 1.09 | 0.70 | 0.88 | 0.89 | 1.01 | 0.85 |
EV/Sales |
5.07 | 6.16 | 6.66 | 7.13 | 2.44 | 1.04 | 2.13 | 1.79 | 1.50 | 1.83 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
43.83 | 53.26 | 57.51 | 61.59 | 8.01 | 2.44 | 5.70 | 5.68 | 5.00 | 5.50 |
EV/FCF |
29.26 | 35.55 | 38.39 | 41.12 | 8.64 | 3.46 | 6.47 | 5.77 | 5.06 | 5.65 |
Quick Ratio |
0.08 | 0.07 | 0.07 | 0.16 | 0.09 | 0.16 | 0.08 | 0.05 | 0.05 | 0.05 |
Current Ratio |
1.22 | 1.19 | 1.16 | 1.12 | 1.14 | 1.20 | 1.16 | 1.18 | 1.13 | 1.19 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
9.56% | 7.72% | 4.88% | 2.24% | 2.94% | 2.33% | 1.51% | 3.66% | 0.03% | 3.41% |
Debt/Equity |
0.64 | 0.54 | 0.33 | 0.15 | 0.19 | 0.11 | 0.08 | 0.23 | 0.00 | 0.20 |
Asset Turnover |
0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 | 0.06 | 0.09 | 0.09 | 0.08 |
Operating CF/Net income |
1.08 | 1.09 | 0.97 | 1.04 | 1.27 | 1.81 | 1.11 | 0.93 | 1.03 | 1.18 |
Capex/Depreciation |
(4.11) | 2.83 | 3.85 | 11.98 | (1.15) | (5.30) | (1.48) | (0.43) | (0.43) | (1.26) |
| 4.69% | 7.11% | 10.57% | 9.53% | 8.33% | 5.88% | 9.68% | 17.10% | 15.75% | 13.26% | |
| 0.76% | 1.04% | 1.55% | 1.42% | 1.28% | 1.09% | 1.87% | 2.90% | 2.49% | 2.18% | |
ROIC |
3.75% | 6.68% | 8.71% | 29.59% | 8.63% | 7.63% | 11.44% | 14.71% | 17.09% | 11.42% |
Return on Tangible Assets |
3.70% | 6.08% | 10.52% | 11.71% | 9.41% | 5.72% | 12.08% | 16.84% | 19.65% | 13.05% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
55.96% | 46.77% | 47.62% | 44.41% | 50.11% | 59.27% | 41.63% | 26.57% | 24.45% | 26.91% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.58% | 0.59% | 0.58% | 0.52% | 0.50% | 1.83% | 1.74% | 2.24% | 2.39% | 2.48% |
Graham Net Nets |
0.52 | 0.41 | 0.37 | 0.34 | 0.47 | 0.86 | 0.66 | 0.72 | 0.65 | 0.79 |
Graham Number |
8.54 | 8.54 | 8.54 | 8.54 | 12.79 | 16.37 | 24.80 | 37.64 | 44.61 | 44.78 |
Earnings Yield |
2.52% | 1.97% | 1.80% | 1.65% | 7.41% | 6.74% | 10.77% | 17.67% | 14.92% | 14.86% |
Free Cash Flow Yield |
4.42% | 3.46% | 3.15% | 2.90% | 8.73% | 8.62% | 10.50% | 17.05% | 14.99% | 17.05% |
Revenue per Share |
1.91 | 2.46 | 3.12 | 3.57 | 3.19 | 3.20 | 4.77 | 9.78 | 12.39 | 11.93 |
Operating CF per Share |
0.34 | 0.54 | 0.79 | 0.84 | 0.97 | 1.36 | 1.78 | 3.08 | 3.71 | 3.97 |
Capex per Share |
(0.20) | 0.15 | (0.15) | (0.25) | (0.07) | (0.40) | (0.21) | (0.04) | (0.04) | (0.11) |
Free Cash Flow per Share |
0.14 | 0.69 | 0.64 | 0.59 | 0.90 | 0.96 | 1.57 | 3.03 | 3.67 | 3.85 |
Cash per Share |
2.73 | 2.72 | 3.20 | 7.93 | 4.29 | 9.61 | 6.18 | 4.94 | 5.97 | 6.13 |
Shareholders Equity per Share |
6.82 | 7.28 | 8.06 | 8.82 | 9.52 | 15.86 | 16.98 | 20.05 | 24.23 | 26.52 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
6.82 | 7.28 | 8.06 | 8.82 | 9.52 | 15.86 | 16.98 | 20.05 | 24.23 | 26.52 |
Free Cash Flow |
2.24 | 11.09 | 10.26 | 9.50 | 14.52 | 15.21 | 24.24 | 42.21 | 48.17 | 51.11 |
Working Capital |
121.78 | 119.25 | 108.39 | 91.96 | 112.30 | 184.04 | 179.52 | 249.29 | 214.70 | 314.88 |
Capital Expenditures |
(3.19) | 2.34 | (2.36) | (3.98) | (1.14) | (6.34) | (3.30) | (0.63) | (0.52) | (1.47) |
Net Current Asset Value |
47.46 | 53.14 | 62.71 | 66.55 | 78.47 | 151.06 | 153.25 | 178.08 | 208.37 | 237.30 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.10 | (0.06) | 0.05 | 0.07 | 0.02 | 0.12 | 0.04 | 0.00 | 0.00 | 0.01 |
Price to Operating Income |
29.17 | 37.28 | 40.94 | 44.45 | 10.66 | 11.33 | 6.53 | 3.82 | 4.89 | 4.82 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.06 | 0.06 | (0.04) | (0.02) | 0.05 | 0.05 | 0.09 | 0.06 | 0.05 | 0.05 |
Cash ROIC |
1.00% | 4.96% | 4.59% | 3.26% | 5.77% | 3.52% | 6.40% | 10.23% | 12.12% | 10.15% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.03 | 0.04 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
37,363.79 | 35,343.36 | 26,765.88 | 19,122.81 | 28,556.23 | 67,311.70 | 51,051.90 | 14,617.72 | 10,747.63 | 11,173.83 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
489.81 | 591.28 | 663.43 | 741.34 | 784.11 | 860.63 | 1,038.71 | 1,275.15 | 1,549.25 | 1,659.57 |
Average Assets |
664.05 | 774.66 | 842.57 | 912.75 | 961.70 | 1,096.65 | 1,325.02 | 1,594.55 | 1,886.86 | 2,036.54 |
Average Common Equity |
107.25 | 113.17 | 123.26 | 135.87 | 147.97 | 202.60 | 256.69 | 270.66 | 298.83 | 335.02 |
Columns are period end dates