NECB
Northeast Community Bancorp, Inc.
NECB's fundamentals are mixed, but it looks expensive: trading at 9.6x earnings, above its usual 7.5x. Analysts expect strong earnings growth.
NECB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
NECB's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like NECB.
NECB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.1x | $18.52 | -36% |
| Fair | 7.5x | $22.77 | -22% |
| Forward | 7.6x | $29.07 | — |
| Current | 9.6x | $29.07 | — |
| Expensive | 13x | $39.16 | +35% |
Historical ranges are pointers, not guarantees.
NECB's PE is in its expensive range at 9.6x. If earnings grow as analysts expect, today's price would be 7.6x next year's earnings, in its fair range.
NECB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for NECB, with profitability improving.
NECB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.83 | +26% |
| Q3 2026 | $3.03 | -5.6% |
| Q2 2026 | $3.11 | -5.5% |
| Q1 2026 | $3.21 | -6.7% |
| Q4 2025 | $3.25 | -7.7% |
| Q3 2025 | $3.21 | -15% |
| Q2 2025 | $3.29 | -9.4% |
| Q1 2025 | $3.44 | +0.9% |
| Q4 2024 | $3.52 | +6% |
NECB earned $3.03 per share over the past year, down 5.6% from the year before.
NECB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $26.1M | -3.2% |
| Q2 2026 | $25.3M | -2.5% |
| Q1 2026 | $24.9M | -2.2% |
| Q4 2025 | $26.4M | +3.9% |
| Q3 2025 | $27M | -2.5% |
| Q2 2025 | $25.9M | -3.8% |
| Q1 2025 | $25.5M | -0.2% |
| Q4 2024 | $25.4M | -4.3% |
NECB's revenue grew through 2023 and has held roughly level since: $26M last quarter, down 3.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 58% | -3.5 points |
| Q2 2026 | 55% | -4.9 points |
| Q1 2026 | 56% | -1.1 points |
| Q4 2025 | 59% | +2 points |
| Q3 2025 | 62% | -2 points |
| Q2 2025 | 59% | -6.1 points |
| Q1 2025 | 57% | -5.3 points |
| Q4 2024 | 57% | -7.5 points |
NECB's operating margin was 58% last quarter, down 3.5 points from the same quarter a year ago.
NECB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $11M | -19% |
| Q2 2026 | $12.7M | -15% |
| Q1 2026 | $10.3M | -2.1% |
| Q4 2025 | $11.8M | +17% |
| Q3 2025 | $13.6M | -4.5% |
| Q2 2025 | $14.9M | +35% |
| Q1 2025 | $10.6M | -18% |
| Q4 2024 | $10.1M | -14% |
NECB's free cash flow was $46M over the past year, down 6.8% from the year before. Free cash flow isn't a meaningful measure for financial services companies like NECB.
NECB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +28K shares |
| 1 year | -0.5% | -66K shares |
| 3 years | -8.5% | -1.3M shares |
| 5 years | -17% | -2.8M shares |
NECB has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $168,000 |
| Q2 2026 | $1.1M |
| Q1 2026 | $3.6M |
| Q4 2025 | $1.4M |
| Q4 2024 | $726,000 |
| Q3 2024 | — |
| Q2 2024 | $1.2M |
| Q1 2024 | $1.3M |
NECB spent $6M buying back its own shares over the past year.
NECB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 1.9x | Healthy |
| Q1 2026 | -0.9x | Net Cash |
| Q4 2025 | -0.2x | Net Cash |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.2x | Healthy |
| Q1 2025 | -1.4x | Net Cash |
| Q3 2024 | -1.3x | Net Cash |
| Q2 2024 | -1.0x | Net Cash |
NECB's net debt is about 1.9 years of its operating earnings (EBITDA), up from 1.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like NECB.
NECB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 69.8 | Neutral |
| Stochastic | 76.8 | Neutral |
NECB's weekly RSI is 70 (neutral) and its Stochastic is 77 (neutral).
NECB PE vs Financial Services Sector
| Metric | NECB | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 69 | 63 | 6 pts above |
NECB is trading at 9.6x earnings, a 26% discount to the Financial Services sector's median of 13x.
NECB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.9 | 4.4% above |
| 20 week MA | $27.2 | 6.8% above |
| 50 week MA | $25.3 | 15% above |
| 100 week MA | $23.9 | 22% above |
| 200 week MA | $20.8 | 40% above |
NECB is in an uptrend: it's above all five of its weekly moving averages, and 40% above its 200-week average.
NECB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.80 | $10.3 | +17% |
| 2021 | $10.3 | $11.2 | +8.8% |
| 2022 | $11.2 | $15.0 | +35% |
| 2023 | $15.0 | $17.7 | +18% |
| 2024 | $17.7 | $24.8 | +40% |
| 2025 | $24.8 | $23.0 | -7.3% |
| 2026 YTD | $23.0 | $29.1 | +27% |
NECB has finished higher in five of the last six years. It's up 27% so far in 2026.