NECB

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NorthEast Community Bancorp, Inc.

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Key Metrics

Previous Close: $26.35
52-Week Range: $19.27 – $28.94
Market Cap: $361.36M
P/E (TTM): 8.44
EPS (TTM): 3.11
Dividend Yield: 3.80%

Advanced Metrics

Price/Book: 0.89
PEG Ratio: —
Return on Equity: 12.13%
Return on Assets: 2.08%
Gross Margin: 0.00%
Operating Margin: 56.54%
Profit Margin: 41.15%
Current Ratio: —
Debt/Equity: —
Total Debt: $194.92M
Free Cash Flow: —
Revenue Growth: -5.80%
Earnings Growth: -12.20%
Enterprise Value: $445.42M

NECB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$65.46M	$100.95M	$105.55M	$104.83M
Selling, General & Admin	$17.25M	$23.47M	$26.21M	$28.51M
Pretax Income	$34.43M	$64.74M	$65.77M	$62.26M
Income Tax	$9.59M	$18.46M	$18.70M	$17.85M
Net Income	$24.84M	$46.28M	$47.07M	$44.41M
Diluted EPS	1.58	3.32	3.58	3.25
Diluted Shares	15.73M	13.94M	13.36M	13.66M

NECB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$95.41M	$68.77M	$78.36M	$81.28M
Receivables	$8.60M	$12.31M	$13.48M	$12.23M
Total Assets	$1.42B	$1.76B	$2.01B	$2.06B
Long-Term Debt	$21.00M	$64.00M	—	$70.00M
Total Debt	$23.90M	$69.20M	$4.72M	$75.23M
Total Liabilities	$1.16B	$1.48B	$1.69B	$1.71B
Retained Earnings	$132.67M	$175.50M	$213.97M	$244.97M
Shareholders' Equity	$261.99M	$279.32M	$318.34M	$351.70M

NECB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$27.54M	$42.84M	$48.69M	$52.59M
Capital Expenditure	-$3.30M	-$626.00K	-$517.00K	-$1.75M
Free Cash Flow	$24.23M	$42.21M	$48.17M	$50.84M
Depreciation & Amortisation	$1.25M	$1.22M	$1.19M	$1.17M
Stock-Based Compensation	$1.28M	$3.05M	$3.88M	$3.92M
Investing Cash Flow	-$256.59M	-$357.84M	-$233.99M	-$52.03M
Financing Cash Flow	$172.09M	$288.37M	$194.89M	$2.36M
Dividends Paid	-$6.87M	-$3.65M	-$7.86M	-$13.32M
Share Repurchases	-$9.32M	-$28.71M	-$3.20M	-$1.58M
Net Change in Cash	-$56.96M	-$26.64M	$9.59M	$2.92M

NECB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$25.93M	$26.95M	$26.45M	$24.93M	—
Selling, General & Admin	$6.93M	$6.74M	$7.50M	$6.66M	—
Pretax Income	$15.42M	$16.60M	$15.59M	$14.05M	—
Income Tax	$4.25M	$4.74M	$4.78M	$4.10M	—
Net Income	$11.17M	$11.87M	$10.81M	$9.95M	—
Diluted EPS	0.82	0.87	0.79	0.74	0.72
Diluted Shares	13.57M	13.63M	13.67M	13.52M	13.54M

NECB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$89.56M	$59.47M	$64.44M	$81.28M	$76.31M
Receivables	$12.43M	$12.12M	$12.79M	$12.23M	$12.08M
Total Assets	$1.93B	$1.97B	$2.06B	$2.06B	$2.03B
Long-Term Debt	—	$135.00M	$170.00M	$70.00M	$20.00M
Total Debt	$4.59M	$140.13M	$174.97M	$75.23M	$25.08M
Total Liabilities	$1.61B	$1.64B	$1.71B	$1.71B	$1.67B
Retained Earnings	$221.86M	$230.34M	$236.84M	$244.97M	$252.26M
Shareholders' Equity	$327.21M	$336.68M	$344.04M	$351.70M	$356.29M
Net Debt	—	$75.53M	$105.56M	—	—

NECB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$10.94M	$15.62M	$14.05M	$11.97M	$10.44M
Capital Expenditure	-$382.00K	-$751.00K	-$442.00K	-$172.00K	-$98.00K
Free Cash Flow	$10.56M	$14.87M	$13.61M	$11.80M	$10.34M
Depreciation & Amortisation	$298.00K	$299.00K	$276.00K	$296.00K	$297.00K
Stock-Based Compensation	$998.00K	$970.00K	$985.00K	$969.00K	$855.00K
Investing Cash Flow	$86.04M	-$71.17M	-$77.81M	$10.91M	$31.01M
Financing Cash Flow	-$85.78M	$25.46M	$68.72M	-$6.05M	-$46.42M
Dividends Paid	-$2.10M	-$2.81M	-$2.81M	-$5.61M	-$2.79M
Share Repurchases	$0.00	$0.00	-$142.00K	-$1.44M	-$3.61M
Net Change in Cash	$11.20M	-$30.09M	$4.96M	$16.84M	-$4.96M

Market Snapshot

About

NorthEast Community Bancorp, Inc. operates as a community bank serving individuals and small to mid-sized businesses in New York. The company provides traditional banking services including deposits, loans, mortgages, and wealth management.