Northeast Community Bancorp (NECB) AI Stock Analysis

• Market Cap: $281.08M
• Dividend Yield: 3.74%
• Average Volume (3M): 57.56K
• Price to Earnings (P/E): 6.1
• Beta (1Y): 0.91
• Revenue Growth: -0.72%
• EPS Growth: -7.24%
• Country: US
• Employees: 136
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.87
• Shares Outstanding: 14,025,800
• 10 Day Avg. Volume: 50,112
• 30 Day Avg. Volume: 57,565
• PEG Ratio: 0.87
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 2.01
• P/FCF Ratio: 6.67
• Enterprise Value/Market Cap: 1.58
• Enterprise Value/Revenue: 2.79
• Enterprise Value/Gross Profit: 4.40
• Enterprise Value/Ebitda: 7.02
• 1Y Price Target: $24.00
• Price Target Upside: 19.76% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: $22.50 ▲(12.28% Upside)

Northeast Community Bancorp's strong valuation, indicated by a low P/E ratio and attractive dividend yield, is a significant positive factor. However, the stock's technical indicators suggest a bearish trend, and financial performance shows declining profitability despite operational efficiency. These mixed signals result in a moderate overall stock score.

Northeast Community Bancorp Business Overview & Revenue Model

Company Description

Northeast Community Bancorp (NECB) is a banking institution focused on providing financial services primarily in the northeastern United States. The bank operates through various sectors, including retail banking, commercial banking, and mortgage lending. Its core products and services encompass personal and business checking and savings accounts, loans, and mortgages, along with investment services aimed at enhancing financial growth for its clients.

How the Company Makes Money

NECB generates revenue primarily through interest income from loans and mortgages, which form a significant portion of its earnings. The bank offers a range of loan products, including commercial real estate loans, residential mortgages, and consumer loans, allowing it to earn interest over time. Additionally, NECB earns non-interest income through service fees on deposit accounts, transaction fees, and wealth management services. The bank may also engage in partnerships with local businesses and community organizations to expand its customer base and enhance its lending portfolio, driving further revenue growth.

Northeast Community Bancorp Financial Statement Overview

Summary

Northeast Community Bancorp demonstrates strong operational efficiency with high EBIT and EBITDA margins, although profitability has declined as seen in the reduced net profit margin and ROE. The balance sheet remains stable with moderate leverage, while cash flow generation shows positive growth. The company faces challenges in revenue growth, which could impact future profitability.

Income Statement

Northeast Community Bancorp shows a strong gross profit margin of 63.4% TTM, indicating efficient cost management. However, the net profit margin has decreased to 14.4% TTM from 29.4% in the previous year, reflecting reduced profitability. Revenue growth is negative at -1.3% TTM, suggesting challenges in revenue generation. Despite these issues, the EBIT and EBITDA margins remain robust at 39.0% and 39.8% TTM, respectively, highlighting operational efficiency.

Balance Sheet

The company maintains a healthy debt-to-equity ratio of 0.42 TTM, indicating moderate leverage. Return on equity has decreased to 7.1% TTM from 14.8% in the previous year, reflecting a decline in profitability. The equity ratio stands at 17.1% TTM, suggesting a stable capital structure with adequate equity backing.

Cash Flow

Free cash flow growth is positive at 8.5% TTM, indicating improved cash generation. The operating cash flow to net income ratio is low at 0.03 TTM, suggesting potential challenges in converting income to cash. However, the free cash flow to net income ratio remains strong at 97.2% TTM, reflecting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	159.23M	159.84M	133.70M	73.59M	50.75M	51.55M
Gross Profit	100.99M	101.88M	97.44M	65.46M	42.04M	40.76M
EBITDA	63.32M	66.96M	65.96M	35.67M	16.69M	16.68M
Net Income	44.64M	47.07M	46.28M	24.84M	11.90M	12.33M
Balance Sheet
Total Assets	1.97B	2.01B	1.76B	1.43B	1.23B	968.22M
Cash, Cash Equivalents and Short-Term Investments	20.39M	78.36M	68.67M	95.41M	152.37M	69.29M
Total Debt	140.13M	4.72M	69.20M	23.90M	31.10M	31.57M
Total Liabilities	1.64B	1.69B	1.48B	1.16B	973.69M	814.40M
Stockholders Equity	336.68M	318.34M	279.32M	262.06M	251.38M	153.82M
Cash Flow
Free Cash Flow	49.77M	48.17M	42.21M	24.23M	15.11M	14.40M
Operating Cash Flow	51.22M	48.69M	42.84M	27.54M	21.56M	15.66M
Investing Cash Flow	-98.32M	-233.99M	-357.84M	-256.59M	-178.86M	-72.12M
Financing Cash Flow	-7.41M	194.89M	288.37M	172.09M	240.38M	-2.03M

Northeast Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 20.04
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NECB, the sentiment is Negative. The current price of 20.04 is below the 20-day moving average (MA) of 20.30, below the 50-day MA of 20.86, and below the 200-day MA of 21.97, indicating a bearish trend. The MACD of -0.15 indicates Negative momentum. The RSI at 45.76 is Neutral, neither overbought nor oversold. The STOCH value of 32.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NECB.

Northeast Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NECB	―	$281.08M	6.09	13.63%	3.74%	-0.72%	-7.24%
FNLC	―	$277.46M	8.70	11.86%	5.90%	10.46%	18.76%
PCB	―	$300.77M	8.85	9.40%	3.63%	10.93%	43.05%
WSBF	―	$285.42M	11.59	6.95%	3.93%	-0.09%	83.67%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZFS	―	$260.80M	8.14	10.53%	3.64%	2.41%	15.34%
JMSB	―	$274.43M	14.55	7.98%	1.61%	2.59%	18.95%

Northeast Community Bancorp Corporate Events

Northeast Community Bancorp Declares Special Cash Dividend

On August 21, 2025, NorthEast Community Bancorp announced a special cash dividend of $0.20 per share, to be paid on October 6, 2025, to shareholders on record as of September 8, 2025. This move is part of the company’s ongoing commitment to enhancing shareholder value, reflecting its strategic focus on rewarding investors and strengthening its market position.

The most recent analyst rating on (NECB) stock is a Hold with a $25.00 price target. To see the full list of analyst forecasts on Northeast Community Bancorp stock, see the NECB Stock Forecast page.

NorthEast Community Bancorp Reports Q2 2025 Earnings

NorthEast Community Bancorp, Inc. is a financial institution based in White Plains, New York, operating primarily in the banking sector with a focus on construction lending and cooperative building loans across New York and Massachusetts.