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Company Analysis

NorthEast Community Bancorp, In NECB

A comprehensive view of key metrics, scores, and financial health for NorthEast Community Bancorp, In

Overview of Northeast Community Bancorp, Inc.

NECB NCM
Financial Services Banks - Regional Small Cap
Northeast Community Bancorp, Inc. (NECB), is a Small Cap company, in the Banks - Regional industry, last closed at $23.06, about 13.0% undervalued vs fair value, +0.9% 1Y return, ranked 405/1004 in sector.
$23.06
-0.13%
As of March 13, 2026
Previous close • Vol 90d: 25.1%
52-Week Range
Market Cap
$328.00M
Enterprise Value
$397.57M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.necb.com
HQ White Plains, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$14
$26
$49
Current: $23.06 +13% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$160.0M
20.8%%
Interest Expense
$53.4M
Net Interest Income
$102.8M
5.8%%
Total Revenue
$157.4M
53.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
14.8%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$11.1M
23.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating NorthEast Community Bancorp, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NECB's balance between Growth (23.7%), Profitability (37.8%), and Safety (38.6%). Growth 24% Safety 39% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

57th percentile vs peers
58
Key Signals
Revenue CAGR 3Y 34.0% 88p Rev Growth YoY 53.3% 45p Asset Growth YoY 2.7% 42p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (34.0%, 88th percentile)
  • Roe in top 20% of peers (15.8%, 91th percentile)
  • Roa in top 20% of peers (2.5%, 97th percentile)
Risks

No significant risks identified for this axis.

Profitability

92th percentile vs peers
92
Key Signals
Strengths
Risks
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Safety

94th percentile vs peers
94
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for NorthEast Community Bancorp, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$26.05
- - -
+13.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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