Northeast Community Bancorp, Inc. logo

Northeast Community Bancorp, Inc.

NECB

NASDAQFinancial ServicesBanks - Regional

Regular session

$26.65

+$0.28 · +1.06%

Aug 24, 10:10 AM ET

NECB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

83

Deep Value

Momentum

55

Neutral

Sentiment

65

Bullish

Risk resilience

75

Moderate Risk

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Company profile

Company website

Northeast Community Bancorp, Inc. functions as the parent entity for NorthEast Community Bank, a financial institution serving both individual clients and corporate entities. Its offerings include a range of deposit options such as checking accounts, money market accounts, standard savings accounts, and non-interest-bearing current accounts. The company also extends credit through various loan products, covering construction projects, commercial and industrial ventures, multi-family and mixed-use properties, general non-residential real estate, and consumer financing. Furthermore, it strategically invests in highly liquid assets. These encompass U.S. Treasury bonds, municipal bonds, funds deposited with the Federal Home Loan Bank of New York, certificates of deposit from institutions with federal insurance, and debt instruments issued by different federal agencies and state or local governments. Beyond banking, it provides specialized financial guidance, including investment advisory and financial planning services, along with offering life insurance policies and annuities with fixed interest rates. Its physical presence includes seven full-service branches across New York and three in Massachusetts, complemented by loan origination offices located in White Plains and New City, New York, and Danvers, Massachusetts. Established in 1934, the company's headquarters are situated in White Plains, New York.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Kenneth A. Martinek
Listed since
Jul 6, 2006
Employees
140

Market position

Day range

Current $26.65

52-week range

Current $26.65

Open
$26.37
Previous close
$26.37
Volume
2.68K
0.06× average
Average volume
42.66K
Average daily volume
Market cap
364.3M USD
Beta
0.36
Market reference 1
50-day average
$26.6784
-0.11% below average
200-day average
$24.175
+10.24% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
293.79M USD
P/E (TTM)
8.19×
P/B (TTM)
0.96×
P/S (TTM)
2.39×
EV / EBITDA
4.63×
Earnings yield
14.81%
Free cash flow yield
16.96%
Dividend yield
3.98%

Profitability & efficiency

Gross margin
66.99%
Operating margin
39.45%
Net margin
27.87%
Return on equity
12.63%
Return on assets
2.15%
Return on invested capital
10.35%

Financial health

Debt / equity
0.54×
Current ratio
0.06×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends95%69%43%17%Gross margin, FY2021: 82.84%Gross margin, FY2022: 88.36%Gross margin, FY2023: 72.87%Gross margin, FY2024: 63.74%Gross margin, FY2025: 66.14%Operating margin, FY2021: 30.69%Operating margin, FY2022: 46.79%Operating margin, FY2023: 48.42%Operating margin, FY2024: 41.15%Operating margin, FY2025: 39.56%Net margin, FY2021: 23.46%Net margin, FY2022: 33.76%Net margin, FY2023: 34.61%Net margin, FY2024: 29.45%Net margin, FY2025: 28.22%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 82.84%. Gross margin FY2022 88.36%. Gross margin FY2023 72.87%. Gross margin FY2024 63.74%. Gross margin FY2025 66.14%. Operating margin FY2021 30.69%. Operating margin FY2022 46.79%. Operating margin FY2023 48.42%. Operating margin FY2024 41.15%. Operating margin FY2025 39.56%. Net margin FY2021 23.46%. Net margin FY2022 33.76%. Net margin FY2023 34.61%. Net margin FY2024 29.45%. Net margin FY2025 28.22%.

Income trends

Revenue

157.37M USD-1.55%

Operating income

62.26M USD-5.34%

Net income

44.41M USD-5.65%
Income trends across reported periods174.64M USD115.46M USD56.29M USD−2.89M USDRevenue, FY2021: 50.75M USDRevenue, FY2022: 73.59M USDRevenue, FY2023: 133.7M USDRevenue, FY2024: 159.85M USDRevenue, FY2025: 157.37M USDOperating income, FY2021: 15.57M USDOperating income, FY2022: 34.43M USDOperating income, FY2023: 64.74M USDOperating income, FY2024: 65.77M USDOperating income, FY2025: 62.26M USDNet income, FY2021: 11.91M USDNet income, FY2022: 24.84M USDNet income, FY2023: 46.28M USDNet income, FY2024: 47.07M USDNet income, FY2025: 44.41M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 50.75M USD. Revenue FY2022 73.59M USD. Revenue FY2023 133.7M USD. Revenue FY2024 159.85M USD. Revenue FY2025 157.37M USD. Operating income FY2021 15.57M USD. Operating income FY2022 34.43M USD. Operating income FY2023 64.74M USD. Operating income FY2024 65.77M USD. Operating income FY2025 62.26M USD. Net income FY2021 11.91M USD. Net income FY2022 24.84M USD. Net income FY2023 46.28M USD. Net income FY2024 47.07M USD. Net income FY2025 44.41M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue157.37M USD159.85M USD133.7M USD73.59M USD50.75M USD
Cost of goods sold53.29M USD57.96M USD36.27M USD8.57M USD8.71M USD
Gross profit104.08M USD101.88M USD97.44M USD65.02M USD42.04M USD
Selling, general, and administrative28.51M USD23.28M USD20.93M USD17.25M USD17.9M USD
Operating expenses41.82M USD36.11M USD32.69M USD30.59M USD26.47M USD
Interest income154.12M USD160.01M USD132.49M USD72M USD48.4M USD
Interest expense53.38M USD57.22M USD35.3M USD8.13M USD5.1M USD
Depreciation and amortization1.17M USD1.19M USD1.22M USD1.25M USD1.12M USD
Operating income62.26M USD65.77M USD64.74M USD34.43M USD15.57M USD
Net income44.41M USD47.07M USD46.28M USD24.84M USD11.91M USD

Company facts updated Aug 24, 2026.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.95

2025 complete year+748.7% since 2020

2026 partial: $0.65

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jul 7, 2026

$0.25

Quarterly

Record Jul 7, 2026 · Payment Aug 6, 2026

Dividend

Ex-dividend Apr 6, 2026

$0.20

Quarterly

Record Apr 6, 2026 · Payment May 5, 2026

Dividend

Ex-dividend Jan 5, 2026

$0.20

Quarterly

Record Jan 5, 2026 · Payment Feb 6, 2026

Dividend

Ex-dividend Oct 3, 2025

$0.20

Quarterly

Record Oct 3, 2025 · Payment Nov 7, 2025

Dividend

Ex-dividend Sep 8, 2025

$0.20

Special

Record Sep 8, 2025 · Payment Oct 6, 2025

Dividend

Ex-dividend Jul 7, 2025

$0.20

Quarterly

Record Jul 7, 2025 · Payment Aug 6, 2025

NECB peers

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