Saturday 17 October 2026 Export NECB’s income statement to Excel — free account

Northeast Community Bancorp Inc.

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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Market cap: $381.0M
P/E: 8.6×
Fwd P/E: 8.3×
Dividend yield: 3.26%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.35

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	3	—	—	2	—	—	—	1	—	—	—

Insider Ownership 8.41%

Capital & Financial Ratios $m

Market Cap 381.04

Revenue 153.34

Net Income 42.42

Free Cash Flow 48.68

Net Debt 116.94

Current Ratio 1.29

Debt/Equity 0.53

P/E ratio 8.58

Fwd P/E 8.31

P/S ratio 2.37

P/B ratio 1.00

Past 5Y EPS Growth 33.61%

This Y EPS Growth (4.31%)

Next Y EPS Growth 12.22%

Next Y revenue growth (32.62%)

Next 5Y EPS Growth (0.93%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 32.92%

10-year low 10-year high

P/S against its own 10 years 34.24%

10-year low 10-year high

P/B against its own 10 years 62.88%

10-year low 10-year high

Dividends

Payout Ratio 0.29

Annual Dividend Rate 0.90

Annual Dividend Yield 3.26%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.90	0.20 0.20 0.25 0.25
2025	0.95	0.15 0.20 0.20 0.20 0.20
2024	0.41	0.06 0.10 0.10 0.15
2023	0.18	0.06 0.06 0.06
2022	0.24	0.06 0.18 0.06 0.06 0.06
2021	0.20	0.02 0.06 0.06 0.06
2020	0.11	0.02 0.02 0.02 0.02 0.02
2019	0.09	0.02 0.02 0.02 0.02
2018	0.09	0.02 0.02 0.02 0.02
2017	0.09	0.02 0.02 0.02 0.02
2016	0.09	0.03 0.02 0.02 0.02

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	4.54	5.71	7.31	8.28	5.04	10.02	10.67	12.50	14.26	19.27	Analyst estimates 2026–2028 Powerpack
	High	6.12	7.80	9.93	9.03	10.60	12.69	15.15	17.95	31.72	25.93
People
People	Employees	—	—	—	—	—	133	139	141	143	146
	Revenue/emp, $m	0.00	0.00	0.00	0.00	0.00	0.38	0.53	0.97	1.14	1.08
Income, $m
Income, $m	Revenue	31	40	50	57	51	51	74	136	163	158
	Gross margin, %	82.48	83.50	81.12	73.85	80.62	89.95	88.97	74.09	64.85	66.26
	EBT	8	15	17	17	16	16	34	65	66	62
	EBT margin, %	26.52	36.73	33.50	29.44	30.32	30.68	46.72	47.52	40.40	39.35
	Net income	5	8	13	13	12	12	25	46	47	44
	Depreciation	1	1	(1)	0	1	1	2	1	1	1
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
	Earnings	0.31	0.49	0.80	0.81	0.77	0.75	1.61	3.32	3.64	3.35
	Cash flow	0.34	0.54	0.79	0.84	0.97	1.36	1.78	3.08	3.71	3.97
	Capex	(0.20)	0.15	(0.15)	(0.25)	(0.07)	(0.40)	(0.21)	(0.04)	(0.04)	(0.11)
	Free cash flow	0.14	0.69	0.64	0.59	0.90	0.96	1.57	3.03	3.67	3.85
	Book value	6.82	7.28	8.06	8.82	9.52	15.86	16.98	20.05	24.23	26.52
	Shares, m	16	16	16	16	16	16	15	14	13	13
Valuation, ×
Valuation, ×	P/E	39.68	50.71	55.68	60.46	13.49	14.83	9.29	5.66	6.70	6.73
	P/S	3.92	5.01	5.51	5.98	3.23	3.48	3.13	1.82	1.97	1.90
	P/B	0.90	1.15	1.26	1.37	1.08	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/FCF	29.26	35.55	38.39	41.12	8.64	3.46	6.47	5.77	5.06	5.65
Cash, $m
Cash, $m	Operating cash flow	5	9	13	13	16	22	28	43	49	53
	Capex	(3)	2	(2)	(4)	(1)	(6)	(3)	(1)	(1)	(1)
	Free cash flow	2	11	10	10	15	15	24	42	48	51
Balance, $m
Balance, $m	Working capital	122	119	108	92	112	184	180	249	215	315
	Total debt	70	63	42	21	28	28	22	65	1	70
	Net debt	26	19	(9)	(106)	(41)	(124)	(74)	(4)	(78)	(11)
	Shareholders’ equity	109	117	130	142	154	251	262	279	318	352
Returns, %
Returns, %	ROA	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
	ROE	4.69	7.11	10.57	9.53	8.33	5.88	9.68	17.10	15.75	13.26

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ISTR Investar Holding Corporation	$395.3M	16.4×	10.1×	+48.21% (above 0%: growing)	+39.13% (above 0%: growing)	+108.35% (above 0%: growing)	64.92%	0.00%	Compare
PCB PCB Bancorp	$390.4M	9.6×	8.7×	+1.21% (above 0%: growing)	+15.87% (above 0%: growing)	−67.53% (below 0%: shrinking)	57.65%	0.00%	Compare
CHMG Chemung Financial Corp	$383.8M	11.6×	9.9×	+85.38% (above 0%: growing)	n/m	−18.05% (below 0%: shrinking)	75.31%	0.00%	Compare
PKBK Parke Bancorp, Inc.	$383.7M	8.3×	—	+9.73% (above 0%: growing)	+48.57% (above 0%: growing)	−12.38% (below 0%: shrinking)	60.74%	0.00%	Compare
FRST Primis Financial Corp.	$382.9M	7.2×	12.8×	+19.34% (above 0%: growing)	+285.01% (above 0%: growing)	+85.35% (above 0%: growing)	71.20%	0.00%	Compare
FNLC First Bancorp, Inc (ME)	$381.4M	10.1×	10.2×	+1.24% (above 0%: growing)	+17.81% (above 0%: growing)	−281.41% (below 0%: shrinking)	58.03%	0.00%	Compare
NECB Northeast Community Bancorp Inc.	$381.0M	8.6×	8.3×	−5.64% (below 0%: shrinking)	−11.76% (below 0%: shrinking)	−14.85% (below 0%: shrinking)	68.91%	0.00%
CZFS Citizens Financial Services Inc.	$380.6M	9.4×	7.9×	+2.61% (above 0%: growing)	+20.45% (above 0%: growing)	−106.85% (below 0%: shrinking)	68.26%	0.00%	Compare
MVBF Mvb Financial Corp.	$377.0M	9.6×	12.3×	+33.88% (above 0%: growing)	+493.75% (above 0%: growing)	−42.33% (below 0%: shrinking)	75.80%	0.00%	Compare
Median of peers	$383.3M	9.6×	10.1×	+14.53%	+39.13%	−30.19%	66.59%	0.00%

All 323 Banks Regional stocks →

Northeast Community Bancorp Inc. (NECB) key facts

Concern: Northeast Community Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $158.2 million, down 2.82% from fiscal 2024.
Northeast Community Bancorp Inc. (NECB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, NECB traded at $27.63, a market capitalization of $381.0 million.
Northeast Community Bancorp Inc. pays an annual dividend of $0.90 per share, a yield of 3.26%, with a payout ratio of 28.9%.
Return on equity was 13.3% and debt-to-equity 0.53.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.