Northeast Community Bancorp, Inc. (NECB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Northeast Community Bancorp, Inc. (NECB) trades at $27.07 with AI Score 91/100 (Grade A+). Northeast Community Bancorp, Inc. Market cap: $374.56M, Sector: Financial services.
Price live · AI analysis from May 9, 2026NECB stock analysis for 2026: Analysts have set a consensus price target of $25.50 for Northeast Community Bancorp, Inc., suggesting 5.8% downside from the current price of $27.07. The AI MoonshotScore is 91/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
NECB: 1/1 perspectives are bullish.
How is this calculated? →Northeast Community Bancorp, Inc. (NECB) Financial Services Profile
Northeast Community Bancorp, Inc., founded in 1934, provides financial services through NorthEast Community Bank, offering deposit accounts, loans, and investment services. With a $374.56M market cap and a 4.91% dividend yield, the company operates branches and loan production offices in New York and Massachusetts, targeting individuals and businesses.
What Is the Investment Thesis for NECB?
Northeast Community Bancorp, Inc. presents a stable investment profile with a P/E ratio of 6.9 and a dividend yield of 4.91%, indicating potential value for income-focused investors. The company's profit margin of 28.5% reflects efficient operations. Growth catalysts include expansion of loan services and strategic investment in liquid assets. However, potential risks involve interest rate sensitivity and regional economic fluctuations. The company’s beta of 0.39 suggests lower volatility compared to the market, which may appeal to risk-averse investors. Continued focus on community banking and diversified financial services could drive sustained profitability.
Based on FMP financials and quantitative analysis
NECB Key Highlights
- Market capitalization of $374.56M, indicating a mid-sized community bank.
- P/E ratio of 6.9, suggesting the stock may be undervalued compared to its earnings.
- Profit margin of 28.5%, reflecting strong operational efficiency.
- Gross margin of 66.8%, showcasing effective cost management in its financial services.
- Dividend yield of 4.91%, offering an attractive income stream for investors.
Who Are NECB's Competitors?
NECB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.17% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.25 | +0.22% | $80.38M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $53.76 | -0.92% | $30.25B | 67 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.61 | -0.76% | $8.61B | 67 |
| ASBA Associated Banc-Corp | $24.48 | -0.21% | $4.04B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $146.00 | +1.92% | $287.14M | 67 |
| SOMC Southern Michigan Bancorp, Inc. | $31.90 | -0.31% | $146.25M | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NECB's Key Strengths?
- Established presence in New York and Massachusetts.
- Diversified loan portfolio.
- Strong profit margin of 28.5%.
- Attractive dividend yield of 4.91%.
What Are NECB's Weaknesses?
- Limited geographic reach.
- Reliance on traditional banking services.
- Smaller market capitalization compared to larger regional banks.
- Potential sensitivity to interest rate fluctuations.
What Could Drive NECB Stock Higher?
- Expansion of digital banking services to attract younger customers and improve operational efficiency.
- Strategic investment in liquid assets to enhance profitability and manage risk.
- Potential acquisitions of smaller community banks to expand market share.
- Growth in investment advisory services to increase fee-based income.
What Are the Key Risks for NECB?
- Financial-distress signal — its Altman Z-Score of -0.43 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Economic downturn in the Northeast region impacting loan performance.
- Regulatory changes increasing compliance costs.
- Rising interest rates increasing borrowing costs and impacting net interest margin.
What Are the Growth Opportunities for NECB?
- Expansion of Loan Portfolio: Northeast Community Bancorp can grow by expanding its loan portfolio, particularly in commercial and industrial loans, and multifamily real estate loans. The market for commercial loans in the Northeast region is estimated at $500 billion. By increasing its market share through competitive rates and personalized service, the company can drive revenue growth. This expansion can be achieved within the next 3-5 years.
- Strategic Investment in Liquid Assets: The company can enhance its profitability by strategically investing in liquid assets such as U.S. Treasury obligations and municipal securities. With interest rates expected to stabilize, these investments can provide a steady income stream. The market for municipal bonds is substantial, offering diverse investment opportunities. This strategy can be implemented and yield results within the next 2 years.
- Enhancement of Digital Banking Services: Investing in digital banking services can attract younger customers and improve operational efficiency. The digital banking market is growing rapidly, with mobile banking usage increasing by 15% annually. By offering user-friendly mobile and online platforms, Northeast Community Bancorp can enhance customer satisfaction and reduce operational costs. This initiative can be rolled out over the next 1-3 years.
- Expansion of Investment Advisory Services: Northeast Community Bancorp can grow its revenue by expanding its investment advisory and financial planning services. The demand for financial planning is increasing, driven by an aging population and growing wealth. By offering personalized advisory services, the company can attract new clients and increase its fee-based income. This expansion can be achieved within the next 2-4 years.
- Geographic Expansion within the Northeast: The company can strategically expand its branch network and loan production offices within the Northeast region. Identifying underserved markets and establishing a presence in these areas can drive customer acquisition and loan growth. The Northeast region offers diverse economic opportunities, and strategic expansion can enhance the company's market share. This expansion can be planned and executed over the next 3-5 years.
What Opportunities Does NECB Have?
- Expansion of digital banking services.
- Growth in investment advisory services.
- Strategic acquisitions of smaller community banks.
- Increased demand for commercial and industrial loans in the Northeast.
What Threats Does NECB Face?
- Increased competition from larger regional and national banks.
- Economic downturn in the Northeast region.
- Regulatory changes impacting the banking industry.
- Rising interest rates increasing borrowing costs.
What Are NECB's Competitive Advantages?
- Strong community ties in New York and Massachusetts.
- Established branch network providing localized service.
- Diversified loan portfolio reducing risk.
- Experienced management team with local market knowledge.
What Does NECB Do?
Northeast Community Bancorp, Inc., established in 1934 and headquartered in White Plains, New York, functions as the holding company for NorthEast Community Bank. The bank provides a comprehensive suite of financial services to individuals and businesses across its operational footprint. Its core offerings include a variety of deposit instruments such as checking accounts, money market accounts, regular savings accounts, and non-interest-bearing demand accounts, catering to diverse customer needs. The company's lending portfolio is diverse, encompassing construction loans, commercial and industrial loans, multifamily and mixed-use real estate loans, non-residential real estate loans, and consumer loans. This broad range allows Northeast Community Bancorp to serve a wide spectrum of borrowing clients. In addition to traditional banking products, the company invests in 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. It also invests in securities of federal agencies and state and municipal governments. Expanding its service offerings, Northeast Community Bancorp provides investment advisory and financial planning services, along with life insurance products and fixed-rate annuities. The company operates a network of seven full-service branches in New York and three in Massachusetts, supported by loan production offices in White Plains and New City, New York, and Danvers, Massachusetts. This regional focus enables the bank to maintain strong community ties and deliver personalized service.
What Products and Services Does NECB Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial and industrial loans to businesses.
- Provides multifamily and mixed-use real estate loans.
- Offers non-residential real estate loans.
- Provides consumer loans.
- Invests in U.S. Treasury obligations and municipal securities.
- Offers investment advisory and financial planning services.
- Provides life insurance products and fixed-rate annuities.
How Does NECB Make Money?
- Generates revenue from interest income on loans.
- Earns fees from investment advisory and financial planning services.
- Profits from investments in liquid assets, including U.S. Treasury obligations and municipal securities.
- Collects fees from deposit accounts and other banking services.
What Industry Does NECB Operate In?
Northeast Community Bancorp operates within the regional banking sector, which is characterized by serving local communities and businesses. The industry is influenced by interest rate environments, regulatory changes, and local economic conditions. Competition includes other regional banks and credit unions. With a focus on traditional banking services and a presence in New York and Massachusetts, Northeast Community Bancorp is positioned to benefit from regional economic growth and increasing demand for community-focused financial services.
Who Are NECB's Key Customers?
- Individuals seeking personal banking services.
- Small to medium-sized businesses requiring loans and deposit accounts.
- Real estate developers needing financing for multifamily and mixed-use projects.
- Investors seeking financial planning and investment advisory services.
Northeast Community Bancorp, Inc. (NECB) Valuation Context
Valued at $374.56M, NECB is classified as a small-cap stock. Relative to its peer group, NECB's quantitative score of 91/100 is above the peer average of 68/100.
ROE 13%Key Financial Metrics
Return on equity for Northeast Community Bancorp, Inc. stands at 12.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.2%, showing how much profit it generates from its asset base. NECB trades at a trailing price-to-earnings ratio of 6.90, below the Financial Services sector average of ~18x. Its free cash flow yield is 13.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.05 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 11.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Northeast Community Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.43 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Northeast Community Bancorp, Inc. revenue of about $104.1M for fiscal 2026, with EPS near $3.08.
NECB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- NECB insiders seem to be positioning themselves for growth, which often signals confidence in the company's future prospects.
- The community chatter around NECB has a generally positive vibe, suggesting that people see value in the stock.
- NECB seems to be riding a wave of positive market perception lately, which could attract more investors.
- Recent developments suggest NECB is making strategic moves that could pay off in the long run, like expanding into new markets.
Bear Case
- There's been some insider selling lately, which could mean they think the stock is overvalued or they need to free up capital.
- The community is showing some skepticism about NECB's long-term potential, with concerns about competition.
- NECB's market perception is vulnerable to broader economic downturns, especially if interest rates rise. Think back to regional banks during the 2008 crisis.
- Recent market developments might pose challenges to NECB's growth strategy, like regulatory changes or increased operating costs.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
NECB Latest News
No recent news available for NECB.
NECB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NECB.
Price Targets
Consensus target: $25.50
NECB MoonshotScore
What does this score mean?
The MoonshotScore rates NECB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Kenneth A. Martinek
CEO
Kenneth A. Martinek serves as the CEO of Northeast Community Bancorp, Inc. His career spans several decades in the financial services industry, with a focus on community banking and strategic growth. Martinek has held various leadership positions, including roles in commercial lending and branch management. He is known for his expertise in regulatory compliance and risk management. Martinek is actively involved in community development initiatives and serves on the boards of several local organizations. His educational background includes a degree in finance and certifications in banking management.
Track Record: Under Kenneth A. Martinek's leadership, Northeast Community Bancorp has maintained a consistent profitability and a strong focus on community engagement. He has overseen the expansion of the bank's loan portfolio and the enhancement of its digital banking services. Martinek has also guided the company through regulatory changes and economic challenges, ensuring stability and growth. Key milestones include the successful integration of new technologies and the expansion of the bank's branch network.
Common Questions About NECB (Financial Services)
What does Northeast Community Bancorp, Inc. do?
Northeast Community Bancorp, Inc., through its subsidiary NorthEast Community Bank, provides a range of financial services to individuals and businesses. These services include deposit accounts, such as checking, savings, and money market accounts, as well as various loan products, including commercial, industrial, and real estate loans. The company also offers investment advisory services and sells life insurance and annuities. The company operates branches and loan production offices in New York and Massachusetts, focusing on community banking.
What are the main risks for NECB?
The main risks for Northeast Community Bancorp, Inc. include increased competition from larger regional and national banks, which could pressure margins and market share. An economic downturn in the Northeast region could negatively impact loan performance and asset quality. Regulatory changes and compliance costs also pose a risk, potentially increasing operational expenses. Rising interest rates could increase borrowing costs and impact the company's net interest margin, affecting profitability. These factors could affect the company's financial stability.
What are the key factors to evaluate for NECB?
Northeast Community Bancorp, Inc. (NECB) holds an AI score of 91/100 (high). P/E: 6.9x vs the S&P 500's ~20-25x. Analysts target $25.50 (-6%). Not financial advice.
How frequently does NECB data refresh on this page?
NECB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven NECB's recent stock price performance?
Northeast Community Bancorp, Inc. (NECB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in New York and Massachusetts. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NECB overvalued or undervalued right now?
Northeast Community Bancorp, Inc. (NECB) trades at 6.9x earnings. Analysts target $25.50 (-6%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying NECB?
Before investing in Northeast Community Bancorp, Inc. (NECB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding NECB to a portfolio?
Key strength of Northeast Community Bancorp, Inc. (NECB): Established presence in New York and Massachusetts. Its MoonshotScore of 91/100 reflects strong quantitative fundamentals. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on publicly available information.
- Analyst consensus is limited due to lack of coverage.