Symbols / NECB Stock $24.46 -0.20% Northeast Community Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
NECB (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Kenneth A. Martinek
Exch · Country NCM · United States
Market Cap 338.38M
Enterprise Value 271.05M
Income 43.80M
Sales 104.59M
FCF (ttm) —
Book/sh 28.11
Cash/sh 5.79
Employees —
Insider 10d —
IPO Jul 06, 2006
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 24.92%
P/E 7.62
Forward P/E 6.76
PEG —
P/S 3.24
P/B 0.87
P/C —
EV/EBITDA —
EV/Sales 2.59
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.21
EPS next Y 3.62
EPS Growth -5.10%
Revenue Growth -1.30%
EPS Gr Q/Q -5.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-28
ROA 2.21%
ROE 12.82%
ROIC —
Gross Margin 0.00%
Oper. Margin 56.36%
Profit Margin 41.87%
Shs Outstand 13.82M
Shs Float 12.50M
Insider Own 12.59%
Instit Own 50.24%
Short Float 0.66%
Short Ratio 2.37
Short Interest 87.15K
52W High 25.65
vs 52W High -4.64%
52W Low 19.27
vs 52W Low 26.93%
Beta 0.36
Impl. Vol. —
Rel Volume 0.40
Avg Volume 37.04K
Volume 14.71K
Target (mean) $28.25
Tgt Median $28.25
Tgt Low $26.50
Tgt High $30.00
# Analysts 2
Recom Buy
Prev Close $24.51
Price $24.46
Change -0.20%
About

Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest-bearing demand accounts, as well as certificates of deposits. The company also offers construction, commercial and industrial loans, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and state and municipal governments. Further, the company offers life insurance products and fixed rate annuities. It operates full-service branches located in Bronx, New York, Orange, Rockland, and Sullivan Counties in New York, Essex, Middlesex, and Norfolk Counties in Massachusetts; and loan production offices located in White Plains, New York; New City, New York; and Danvers, Massachusetts. Additionally, the company provides services such as personal loans and overdraft protection, and utilizes brokered, listing service, and military deposits, as well as borrowings, sources of funds, and retail deposit products. Northeast Community Bancorp, Inc. was founded in 1934 and is headquartered in White Plains, New York.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$28.25
Mean price target
2. Current target
$24.46
Latest analyst target
3. DCF / Fair value
$48.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$24.46
Low
$26.50
High
$30.00
Mean
$28.25

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-31 init Freedom Broker — → Buy $30
2023-05-08 down Piper Sandler Overweight → Neutral $15
2021-10-07 init Piper Sandler — → Overweight $13
News
RSS: Latest NECB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-12 CIRILLO CHARLES MICHAEL Director — 3,566 $22.94 $81,804
2026-03-05 MCKENZIE JOHN F Director — 3,000 $23.85 $71,550
2026-03-04 CIRILLO CHARLES MICHAEL Director — 7,240 $12.40 $89,776
2026-02-26 MCKENZIE JOHN F Director — 3,000 $12.40 $37,200
2025-12-12 HOM DONALD S Chief Financial Officer — 2,000 $23.76 $47,520
2025-12-11 CAVANAUGH DIANE B Director — 1,000 $23.59 $23,598
2025-12-11 MARTINEK CHARLES A Director — 2,000 $23.23 $46,935
2025-10-28 HOM DONALD S Chief Financial Officer — 4,000 $20.15 $80,757
2025-09-18 MORGENTHAU JOEL LEE Director — 1,440 $0.00 $0
2025-08-26 COLLAZO JOSE M President — 5,441 $22.33 $121,492
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
104.83
-0.68%
105.55
+4.56%
100.95
+54.22%
65.46
Operating Revenue
104.83
-0.68%
105.55
+4.56%
100.95
+54.22%
65.46
Selling General And Administration
28.51
+8.78%
26.21
+11.66%
23.47
+36.10%
17.25
Selling And Marketing Expense
0.43
+1.91%
0.42
-19.77%
0.52
+74.25%
0.30
General And Administrative Expense
28.09
+8.89%
25.79
+12.38%
22.95
+35.43%
16.95
Salaries And Wages
24.45
+8.91%
22.45
+12.19%
20.01
+20.73%
16.58
Other Gand A
—
0.06
+86.67%
0.03
-98.37%
1.84
Reconciled Depreciation
1.17
-1.43%
1.19
-2.71%
1.22
-2.17%
1.25
Total Unusual Items
-0.01
-127.27%
0.02
+114.10%
-0.16
+55.81%
-0.35
Total Unusual Items Excluding Goodwill
-0.01
-127.27%
0.02
+114.10%
-0.16
+55.81%
-0.35
Special Income Charges
-0.01
-127.27%
0.02
+114.10%
-0.16
+55.81%
-0.35
Other Special Charges
0.01
+127.27%
-0.02
-222.22%
0.02
+118.37%
-0.10
Impairment Of Capital Assets
—
—
0.00
-100.00%
0.45
Net Income
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Pretax Income
62.26
-5.34%
65.77
+1.59%
64.74
+88.04%
34.43
Net Interest Income
100.73
-2.00%
102.79
+5.76%
97.19
+52.16%
63.88
Interest Expense
53.38
-6.71%
57.22
+62.11%
35.30
+334.32%
8.13
Interest Income
154.12
-3.68%
160.01
+20.78%
132.49
+84.01%
72.00
Gain On Sale Of Security
0.58
+628.44%
-0.11
-137.07%
0.29
+118.69%
-1.57
Gain On Sale Of Business
—
0.00
+100.00%
-0.14
0.00
Tax Provision
17.85
-4.56%
18.70
+1.27%
18.46
+92.62%
9.59
Tax Rate For Calcs
0.00
+0.82%
0.00
-0.25%
0.00
+2.52%
0.00
Tax Effect Of Unusual Items
-0.00
-127.50%
0.01
+114.07%
-0.04
+54.69%
-0.10
Net Income Including Noncontrolling Interests
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Net Income From Continuing Operation Net Minority Interest
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Net Income From Continuing And Discontinued Operation
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Net Income Continuous Operations
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Normalized Income
44.42
-5.61%
47.06
+1.45%
46.39
+84.83%
25.10
Net Income Common Stockholders
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Diluted EPS
3.25
-9.22%
3.58
+7.83%
3.32
+110.13%
1.58
Basic EPS
3.35
-7.97%
3.64
+9.64%
3.32
+106.21%
1.61
Basic Average Shares
13.26
+0.95%
13.14
-5.70%
13.93
-9.74%
15.43
Diluted Average Shares
13.66
+2.25%
13.36
-4.14%
13.94
-11.38%
15.73
Diluted NI Availto Com Stockholders
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Insurance And Claims
3.63
+8.80%
3.34
+13.64%
2.94
+690.32%
0.37
Occupancy And Equipment
3.86
+3.82%
3.72
+1.86%
3.65
+3.25%
3.54
Other Non Interest Expense
8.28
+10.97%
7.46
+23.07%
6.07
-15.48%
7.18
Professional Expense And Contract Services Expense
2.01
+20.56%
1.67
-11.93%
1.89
-16.97%
2.28
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2021-12-31
Total Assets
2,063.51
+2.68%
2,009.58
+13.91%
1,764.13
—
Cash And Cash Equivalents
81.28
+3.72%
78.36
+13.94%
68.77
—
Cash Financial
10.46
-23.68%
13.70
+2.28%
13.39
—
Other Short Term Investments
—
—
0.00
-100.00%
0.00
Receivables
12.23
-9.29%
13.48
+9.50%
12.31
—
Accounts Receivable
12.16
-9.57%
13.45
+9.21%
12.31
—
Gross Accounts Receivable
12.16
-9.57%
13.45
—
4.28
Other Receivables
0.07
+94.44%
0.04
—
—
Net PPE
30.38
+4.20%
29.15
-4.00%
30.37
—
Gross PPE
46.56
+5.33%
44.20
-0.30%
44.34
—
Accumulated Depreciation
-16.19
-7.53%
-15.05
-7.76%
-13.97
—
Properties
—
—
—
1.48
Land And Improvements
6.65
+0.00%
6.65
+0.00%
6.65
—
Buildings And Improvements
23.38
+1.12%
23.12
+0.91%
22.91
—
Machinery Furniture Equipment
8.72
+5.36%
8.28
+2.83%
8.05
—
Other Properties
5.00
+14.97%
4.35
-11.57%
4.92
—
Leases
2.81
+55.62%
1.80
+0.00%
1.80
—
Goodwill And Other Intangible Assets
—
—
0.00
-100.00%
0.65
Goodwill
—
—
0.00
-100.00%
0.65
Investments And Advances
44.88
+22.60%
36.61
+7.80%
33.96
—
Total Liabilities Net Minority Interest
1,711.81
+1.22%
1,691.24
+13.90%
1,484.81
—
Payables And Accrued Expenses
17.32
+19.24%
14.53
+7.17%
13.56
—
Long Term Debt And Capital Lease Obligation
75.23
+1494.87%
4.72
-93.18%
69.20
—
Long Term Debt
70.00
—
64.00
+128.57%
28.00
Long Term Capital Lease Obligation
5.23
+10.88%
4.72
-9.22%
5.20
—
Stockholders Equity
351.70
+10.48%
318.34
+13.97%
279.32
—
Common Stock Equity
351.70
+10.48%
318.34
+13.97%
279.32
—
Capital Stock
0.14
+0.00%
0.14
-1.41%
0.14
—
Common Stock
0.14
+0.00%
0.14
-1.41%
0.14
—
Preferred Stock
0.00
0.00
0.00
—
Share Issued
13.96
-0.38%
14.02
-0.91%
14.14
—
Ordinary Shares Number
13.44
+5.80%
12.70
-0.83%
12.81
—
Treasury Shares Number
0.52
-60.22%
1.31
-1.65%
1.33
0.00
Additional Paid In Capital
111.58
+1.35%
110.09
+0.15%
109.92
—
Retained Earnings
244.97
+14.49%
213.97
+21.92%
175.50
—
Gains Losses Not Affecting Retained Earnings
0.23
+4.02%
0.22
-29.34%
0.32
—
Treasury Stock
—
—
—
0.00
Other Equity Adjustments
0.23
+4.02%
0.22
-29.34%
0.32
—
Total Equity Gross Minority Interest
351.70
+10.48%
318.34
+13.97%
279.32
—
Total Capitalization
421.70
—
343.32
+22.89%
279.38
Invested Capital
421.70
—
343.32
+22.89%
279.38
Total Debt
75.23
+1494.87%
4.72
-93.18%
69.20
—
Capital Lease Obligations
5.23
+10.88%
4.72
-9.22%
5.20
—
Net Tangible Assets
351.70
+10.48%
318.34
+13.97%
279.32
—
Tangible Book Value
351.70
+10.48%
318.34
+13.97%
279.32
—
Available For Sale Securities
26.57
+20.81%
21.99
+21.50%
18.10
—
Cash Cash Equivalents And Federal Funds Sold
81.69
+3.72%
78.76
+12.99%
69.70
—
Held To Maturity Securities
18.32
+25.31%
14.62
-7.84%
15.86
—
Other Equity Interest
-5.22
+14.29%
-6.09
+7.24%
-6.56
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
52.59
+8.01%
48.69
+13.66%
42.84
+55.54%
27.54
Cash Flow From Continuing Operating Activities
52.59
+8.01%
48.69
+13.66%
42.84
+55.54%
27.54
Net Income From Continuing Operations
44.41
-5.65%
47.07
+1.72%
46.28
+86.27%
24.84
Depreciation Amortization Depletion
1.17
-1.43%
1.19
-2.71%
1.22
-2.17%
1.25
Depreciation
1.17
-1.43%
1.19
-2.71%
1.22
-2.17%
1.25
Depreciation And Amortization
1.17
-1.43%
1.19
-2.71%
1.22
-2.17%
1.25
Other Non Cash Items
-0.69
-5.95%
-0.66
+35.24%
-1.01
-67.72%
-0.60
Stock Based Compensation
3.92
+1.00%
3.88
+27.31%
3.05
+137.72%
1.28
Asset Impairment Charge
0.22
-67.78%
0.69
0.00
-100.00%
0.99
Deferred Tax
0.33
+169.81%
-0.47
-27.25%
-0.37
+71.94%
-1.31
Deferred Income Tax
0.33
+169.81%
-0.47
-27.25%
-0.37
+71.94%
-1.31
Operating Gains Losses
-0.30
-442.53%
0.09
+163.04%
-0.14
-109.36%
1.48
Gain Loss On Investment Securities
-0.58
-628.44%
0.11
+137.07%
-0.29
-118.69%
1.57
Unrealized Gain Loss On Investment Securities
—
—
—
1.57
Gain Loss On Sale Of PPE
0.01
+127.27%
-0.02
-222.22%
0.02
+118.37%
-0.10
Change In Working Capital
4.00
+207.77%
-3.71
+49.90%
-7.40
-443.25%
-1.36
Change In Receivables
1.25
+207.09%
-1.17
+68.50%
-3.71
+13.91%
-4.31
Changes In Account Receivables
1.25
+207.09%
-1.17
+68.50%
-3.71
+13.91%
-4.31
Change In Payables And Accrued Expense
3.06
+27936.36%
-0.01
+99.71%
-3.83
-327.81%
1.68
Change In Payable
3.06
+27936.36%
-0.01
+99.71%
-3.83
-327.81%
1.68
Change In Account Payable
3.06
+27936.36%
-0.01
+99.71%
-3.83
-327.81%
1.68
Change In Other Current Assets
-0.32
+87.33%
-2.53
-1795.30%
0.15
-88.26%
1.27
Investing Cash Flow
-52.03
+77.76%
-233.99
+34.61%
-357.84
-39.46%
-256.59
Cash Flow From Continuing Investing Activities
-52.03
+77.76%
-233.99
+34.61%
-357.84
-39.46%
-256.59
Net PPE Purchase And Sale
-1.75
-237.91%
-0.52
+17.41%
-0.63
+81.05%
-3.30
Purchase Of PPE
-1.75
-237.91%
-0.52
+17.41%
-0.63
+81.05%
-3.30
Sale Of PPE
—
—
—
0.00
Capital Expenditure
-1.75
-237.91%
-0.52
+17.41%
-0.63
+81.05%
-3.30
Net Investment Purchase And Sale
-8.39
-194.56%
-2.85
-127.47%
10.37
+221.41%
-8.54
Purchase Of Investment
-9.49
-131.53%
-4.10
-404.68%
-0.81
+91.91%
-10.04
Sale Of Investment
1.10
-12.25%
1.25
-88.83%
11.18
+648.09%
1.50
Gain Loss On Sale Of Business
—
0.00
-100.00%
0.14
0.00
Net Other Investing Changes
0.68
+7.14%
0.63
-70.59%
2.14
+547.13%
0.33
Financing Cash Flow
2.36
-98.79%
194.89
-32.42%
288.37
+67.57%
172.09
Cash Flow From Continuing Financing Activities
2.36
-98.79%
194.89
-32.42%
288.37
+67.57%
172.09
Net Issuance Payments Of Debt
70.00
+209.38%
-64.00
-248.84%
43.00
+714.29%
-7.00
Issuance Of Debt
—
0.00
-100.00%
50.00
0.00
Repayment Of Debt
—
-64.00
-814.29%
-7.00
+0.00%
-7.00
Long Term Debt Issuance
—
0.00
-100.00%
50.00
0.00
Long Term Debt Payments
—
-64.00
-814.29%
-7.00
+0.00%
-7.00
Net Long Term Debt Issuance
70.00
+209.38%
-64.00
-248.84%
43.00
+714.29%
-7.00
Net Common Stock Issuance
-1.58
+50.59%
-3.20
+88.85%
-28.71
-208.11%
-9.32
Common Stock Payments
-1.58
+50.59%
-3.20
+88.85%
-28.71
-208.11%
-9.32
Common Stock Dividend Paid
-13.32
-69.47%
-7.86
-115.25%
-3.65
+46.83%
-6.87
Cash Dividends Paid
-13.32
-69.47%
-7.86
-115.25%
-3.65
+46.83%
-6.87
Repurchase Of Capital Stock
-1.58
+50.59%
-3.20
+88.85%
-28.71
-208.11%
-9.32
Proceeds From Stock Option Exercised
0.00
-100.00%
0.01
0.00
—
Net Other Financing Charges
0.73
+282.59%
-0.40
-15.19%
-0.35
-171.96%
0.48
Changes In Cash
2.92
-69.59%
9.59
+136.00%
-26.64
+53.24%
-56.96
Beginning Cash Position
78.26
+13.96%
68.67
-27.95%
95.31
-37.41%
152.27
End Cash Position
81.17
+3.73%
78.26
+13.96%
68.67
-27.95%
95.31
Free Cash Flow
50.84
+5.55%
48.17
+14.12%
42.21
+74.17%
24.23
Interest Paid Supplemental Data
52.32
-7.52%
56.58
+62.34%
34.85
+335.01%
8.01
Income Tax Paid Supplemental Data
15.44
-30.16%
22.11
+6.70%
20.72
+125.35%
9.20
Amortization Of Securities
—
0.01
-70.00%
0.02
-25.93%
0.03
Common Stock Issuance
—
—
—
0.00
Issuance Of Capital Stock
—
—
—
0.00
Net Investment Properties Purchase And Sale
0.27
0.00
—
—
Sale Of Investment Properties
0.27
0.00
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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