No connection

Search Results

NECB

BULLISH
$25.01 Live
Northeast Community Bancorp, Inc. · NASDAQ
Target $28.25 (+13.0%)
$19.27 52W Range $25.65

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
$345.99M
P/E
7.7
ROE
13.3%
Profit margin
42.3%
Debt/Equity
N/A
Dividend yield
3.2%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
NECB presents a classic deep-value opportunity, trading significantly below its Graham Number ($45.05) and Intrinsic Value ($49.56). While the Piotroski F-Score of 4/9 indicates only stable financial health rather than strong improvement, the company maintains a healthy ROE of 13.26% and a very conservative dividend payout ratio. The primary headwinds are bearish insider sentiment and a weak technical trend, but the fundamental valuation gap is too wide to ignore.

Key Strengths

Significant undervaluation with Price/Book at 0.90
Strong profitability metrics (ROE 13.26%, ROA 2.18%)
Low P/E ratio (7.70) compared to sector averages
Sustainable dividend profile with a low payout ratio of 24.62%
Strong long-term price appreciation (+138% over 5 years)

Key Risks

Bearish insider activity with multiple director and CFO sales
Negative recent Q/Q EPS growth (-8.1%)
Weak technical trend score (10/100)
Small market capitalization ($0.35B) increasing volatility
Regional bank sector exposure to interest rate fluctuations
AI Fair Value Estimate
Based on comprehensive analysis
$42.3
+69.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
71
Strong
Value
95
Future
55
Past
85
Health
50
Dividend
70
AI Verdict
Strong Value Play
Key drivers: Extreme valuation discount, Solid ROE, Conservative payout ratio
Confidence
80%
Value
95/100

Ref P/E 7.70, P/B 0.90, Graham Number $45.05

Positives
  • P/B < 1.0
  • Current price is ~44% of Graham Number
  • Low Forward P/E of 6.91
Watchpoints
No urgent risks highlighted.
Future
55/100

Ref Growth rates and recent EPS surprises

Positives
  • Positive YoY Revenue Growth (9.7%)
Watchpoints
  • Negative Q/Q EPS growth
  • Slowing earnings momentum
Past
85/100

Ref 5Y Change +138% and 18-quarter track record

Positives
  • Consistent historical earnings beats
  • Strong 5-year price trajectory
Watchpoints
No urgent risks highlighted.
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Stable Piotroski score
Watchpoints
  • F-Score of 4/9 is mediocre
  • Lack of Altman Z-Score data for financial sector
Dividend
70/100

Ref Yield 3.20%, Payout 24.62%

Positives
  • Very low payout ratio (24.62%)
  • Consistent dividend rate
Watchpoints
  • Modest yield (3.2%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$25.01
Analyst Target
$28.25
Upside/Downside
+13.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NECB and closest competitors.

Updated 2026-04-14
NEC
Northeast Community Bancorp, Inc.
Primary
5Y
+138.0%
3Y
+108.5%
1Y
+22.3%
6M
+23.1%
1M
+7.9%
1W
+1.9%
AVB
Avidia Bancorp, Inc.
Peer
5Y
+17.7%
3Y
+17.7%
1Y
+17.7%
6M
+17.7%
1M
-0.1%
1W
-0.6%
FRS
Primis Financial Corp.
Peer
5Y
+8.4%
3Y
+62.6%
1Y
+66.1%
6M
+36.4%
1M
+8.3%
1W
+5.0%
PKB
Parke Bancorp, Inc.
Peer
5Y
+81.2%
3Y
+91.4%
1Y
+76.3%
6M
+49.6%
1M
+8.2%
1W
-1.6%
INV
Innventure, Inc.
Peer
5Y
-56.6%
3Y
-57.7%
1Y
+17.9%
6M
+25.4%
1M
+30.1%
1W
-6.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
7.7
Forward P/E
6.91
PEG Ratio
N/A
P/B Ratio
0.9
P/S Ratio
3.3
EV/Revenue
2.89
EV/EBITDA
N/A
Market Cap
$345.99M

Profitability

Profit margins and return metrics

Profit Margin 42.33%
Operating Margin 59.45%
Gross Margin N/A
ROE 13.26%
ROA 2.18%

Growth

Revenue and earnings growth rates

Revenue Growth +9.7%
Earnings Growth +5.5%
Q/Q Revenue Growth +4.03%
Q/Q Earnings Growth +5.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$6.56

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
40.9%
Total Assets
$2.1B
Liabilities
$1.7B
Equity
$0.4B
Debt/Equity
4.87x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
99%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-21
$N/A
2026-01-28
$0.79
-7.3% surprise
2025-10-23
$0.86
+2.6% surprise
2025-07-24
$0.82
+3.9% surprise

Financial Services Sector Comparison

Comparing NECB against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
P/E Ratio
7.7
This Stock
vs
46.02
Sector Avg
-83.3% (Discount)
Return on Equity (ROE)
13.26%
This Stock
vs
0.23%
Sector Avg
+5695.3% (Excellent)
Profit Margin
42.33%
This Stock
vs
50.44%
Sector Avg
-16.1% (Weaker)
Revenue Growth
9.7%
This Stock
vs
37.35%
Sector Avg
-74.0% (Slower)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

CIRILLO CHARLES MICHAEL
Director
Sell
2026-03-12
3,566 shares · $81,804
MCKENZIE JOHN F
Director
Sell
2026-03-05
3,000 shares · $71,550
CIRILLO CHARLES MICHAEL
Director
Option Exercise
2026-03-04
7,240 shares · $89,776
MCKENZIE JOHN F
Director
Option Exercise
2026-02-26
3,000 shares · $37,200
HOM DONALD S
Chief Financial Officer
Sell
2025-12-12
2,000 shares · $47,520
CAVANAUGH DIANE B
Director
Sell
2025-12-11
1,000 shares · $23,598
MARTINEK CHARLES A
Director
Sell
2025-12-11
2,000 shares · $46,935
HOM DONALD S
Chief Financial Officer
Sell
2025-10-28
4,000 shares · $80,757
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
2 analysts
Freedom Broker
2026-03-31
init
Buy

Past News Coverage

Recent headlines mentioning NECB from our newsroom.

Newest → oldest
TradingGPT V2 Copilot
Fundamentals • Valuation • Risk
Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends
Home
Terminal
AI
Markets
Profile