Northeast Community Bancorp, Inc. (NECB) AI Stock Analysis

Northeast Community Bancorp, Inc. serves as the holding company for NorthEast Community Bank, founded in 1934 and based in White Plains, New York. It provides personal and business banking products, such as checking, savings, money market, and non-interest-bearing accounts. The institution's lending operations emphasize construction loans, commercial and industrial financing, multifamily and mixed-use real estate loans, and consumer loans. Additionally, it invests in U.S. Treasury obligations, municipal securities, and certificates of deposit, while offering financial planning, investment advisory services, life insurance, and fixed-rate annuities.

Between FY2020 and FY2025, Northeast Community Bancorp grew revenue at a compound annual rate of 25.0%. Annual revenue advanced from $50.8M in FY2021 to $159.8M in FY2024 before decreasing 1.6% to $157.4M in FY2025. Over the same period, net income moved from $11.9M in FY2021 to $44.4M in FY2025, while diluted earnings per share reached $3.23. Operating margin stood at 39.6% in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue fell 5.8% year-over-year, and quarterly earnings declined 12.2%. Trailing twelve month earnings per share were $3.11 on $103.1M of revenue.

As of June 30, 2026, Northeast Community Bancorp reported $9.5M in cash and short-term investments, total debt of $194.9M, and net debt of $185.4M. Shareholders' equity totaled $362.6M, resulting in a debt-to-equity ratio of 0.54, with total assets of $2.12B. During FY2025, the company generated operating cash flow of $52.6M and free cash flow of $50.8M. Cash deployment in FY2025 included $1.7M in capital expenditures, $1.6M in share buybacks, and $13.3M in dividend payments. Over the past five years, the share count declined 12.7%.

At $27.63, Northeast Community Bancorp has a market capitalization of $380.4M. The company trades at a trailing P/E of 8.9x, which is lower than the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 15.7x compares to the peer median of 10.8x, while its price-to-book ratio is 1.0x. Over the past year, the stock returned 46.2%, outpacing the S&P 500 (SPY) return of 16.8%. Over five years, the stock gained 206.6% compared to an 83.0% return for the S&P 500.

Northeast Community Bancorp pays a forward annual dividend of $1.00 per share, representing a 3.61% dividend yield. Dividends are paid quarterly with a payout ratio of 28.9%. The company has paid dividends for 20 consecutive years, achieving an annualized five-year dividend growth rate of 53.4%. Its most recent ex-dividend date was October 9, 2026.

Wall Street coverage includes 1 Strong Buy and 1 Hold rating. The mean price target is $30.00, which sits 8.6% above the last close of $27.63. Consensus estimates for the fiscal year ending December 31, 2026, call for revenue of $106.6M and EPS of $3.25. For the subsequent fiscal year, 1 analyst projects revenue of $126.0M and EPS of $3.99. The company has beaten EPS estimates in 1 of the last 4 quarters, with the next earnings date scheduled for October 22, 2026.

This page is an AI-written research summary of Northeast Community Bancorp, Inc. (NECB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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