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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%
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% (at or above 15%: strong)
This Y EPS Growth (4.31%) (below 0%: weak)
Next Y EPS Growth 12.22%
Next Y revenue growth (32.62%) (below 0%: weak)
Next 5Y EPS Growth (0.93%) (below 0%: weak)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Northeast Community Bancorp Inc. (NECB) Latest News

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