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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 Framework: Banks & Lenders Small Cap
Northeast Community Bancorp, Inc. (NECB), is a Small Cap company, in the Banks - Regional industry, last closed at $29.38, about 5.7% overvalued vs fair value, +49.4% 1Y return, ranked 542/1078 in sector.
Metrics P/E 7.0× Rev Growth -0.7% ROE 13.3% Gross Margin 99.3% Div Yield 4.20%
USD 29.38
1.63%
(Delayed)
• Vol 90d: 21.6%
52-Week Range
Market Cap
$398.00M
Enterprise Value
$514.49M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 13
Earnings Jan 28 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$28
$52
Current: $29.38 -6% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$154.1M
-3.7%%
Interest Expense
$53.4M
Net Interest Income
$100.7M
-2%%
Total Revenue
$104.8M
-0.7%%
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
12.6%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.9M
33.6% 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
0/1
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
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Industry-Leading Efficiency Operational efficiency is excellent (score 0.96).
  • Strong Capital Position Capital position is strong (score 0.68), exceeding regulatory minimums.

Key risks

  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.19).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
63
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing NECB's balance between Growth (16.8%), Profitability (45.6%), and Safety (37.5%). Growth 17% Safety 38% Profitability 46%

Click axes to expand details. Marker shows current allocation.

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Growth

29th percentile vs peers
30
Key Signals
Asset Growth YoY 2.7% 37p Equity Growth YoY 10.5% 55p NII Growth YoY -2.0% 12p EPS Growth YoY -7.7% 19p
Strengths
  • Net Interest Margin in top 20% of peers (4.9%, 92th percentile)
  • Efficiency Ratio in top 20% of peers (39.9%, 88th percentile)
  • ROA in top 20% of peers (2.2%, 92th percentile)
  • Equity/Assets in top 20% of peers (17.0%, 89th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-2.0%)
  • EPS Growth YoY in bottom 20% of peers (-7.7%)
  • Growth below peer median (percentile: 29)

Profitability

81th percentile vs peers
81
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
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
$27.72
- - -
-5.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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