Stocks · Financial Services · Banks - Regional
Northeast Community Bancorp, Inc. NECB
$26.65 +1.18% Close, Oct 2, 2026 · NASDAQ · Market cap $368.2M
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 3.0× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 205 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $152.2M, down 4.4% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 19%
- EPS growth (TTM, YoY)Bottom 25%
- FCF growth (TTM, YoY)Bottom 31%
- Revenue growth, 3-year CAGRTop 17%
- Revenue growth accelerationTop 42%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 21%
- Gross marginTop 46%
- Operating marginTop 15%
- Cash conversion (OCF / net income)Top 50%
- Accruals (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Bottom 34%
- Interest coverTop 43%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 10%
- Free-cash-flow yieldTop 22%
- EBITDA / enterprise valueTop 24%
- Sales / enterprise valueBottom 41%
- P/E vs own 5-year history (lower is better)Bottom 41%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 23%
- 6-month returnTop 41%
- 1-year return vs S&P 500Top 20%
- Distance from 52-week highTop 39%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 22%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetBottom 35%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 30%
- Maximum drawdown, 3 yearsBottom 29%
- Beta vs S&P 500 (lower is better)Bottom 47%
- Net debt / EBITDA (lower is better)Bottom 34%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -4.8% | -4.4% | ↑ |
| EPS growth (YoY) | -6.4% | -5.2% | ↑ |
| Gross margin | 63.4% | 67.0% | ↑ |
| Operating margin | 39.0% | 39.5% | ↑ |
| FCF margin | 31.3% | 32.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -4.4% | -4.8% | ↑ | Bottom 19% |
| EPS growth (TTM, YoY) | -5.2% | -6.4% | ↑ | Bottom 25% |
| Gross margin | 67.0% | 63.4% | ↑ | Top 46% |
| Operating margin | 39.5% | 39.0% | ↑ | Top 15% |
| Net margin | 27.9% | 28.0% | ↓ | — |
| Free-cash-flow margin | 32.0% | 31.3% | ↑ | — |
| Return on invested capital | 7.6% | — | Top 21% | |
| Revenue growth, 3-year CAGR | 28.8% | — | Top 17% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.16×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +5.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.04×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.79%
- Net buyback yield (TTM)
- 1.69%
- Shareholder yield
- 5.49%
- Share count change, 1 year
- -0.2%
- Share count change, 3-year CAGR
- -2.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -2.5%
- Average 2-day reaction, last 8
- -1.4%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $29.50
- Target vs current price
- +10.7%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | -5.3% | +0.8% | +0.4% | -0.8% | — |
| Apr 29, 2026 | -1.3% | -2.7% | -3.2% | -2.6% | +6.8% |
| Jan 28, 2026 | -7.1% | -1.4% | +6.3% | +5.8% | +5.6% |
| Oct 23, 2025 | +3.6% | -1.3% | -2.5% | -4.2% | +12.6% |
| Jul 24, 2025 | +3.8% | -3.0% | -8.0% | -4.9% | -14.9% |
| Apr 21, 2025 | +1.3% | -3.5% | +2.7% | +6.4% | +5.7% |
| Jan 30, 2025 | -2.4% | -2.0% | -1.5% | -9.1% | -11.3% |
| Oct 28, 2024 | +4.4% | +1.6% | -5.0% | +10.9% | -6.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.72 | $0.76 | -5.3% | $25.9M |
| Apr 29, 2026 | $0.74 | $0.75 | -1.3% | $24.9M |
| Jan 28, 2026 | $0.79 | $0.85 | -7.1% | $26.4M |
| Oct 23, 2025 | $0.87 | $0.84 | +3.6% | $27.0M |
| Jul 24, 2025 | $0.82 | $0.79 | +3.8% | $25.9M |
| Apr 21, 2025 | $0.78 | $0.77 | +1.3% | $25.3M |
| Jan 30, 2025 | $0.80 | $0.82 | -2.4% | $25.4M |
| Oct 28, 2024 | $0.95 | $0.91 | +4.4% | $27.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.5× | 7.1× | 67th | Top 10% |
| P/E (forward) | 9.0× | — | — | — |
| EV / EBITDA | 9.1× | — | — | Top 24% |
| EV / Sales | 3.64× | — | — | Bottom 41% |
| Free-cash-flow yield | 13.21% | — | — | Top 22% |
| Earnings yield | 11.71% | — | — | Top 10% |
P/E over the past five years
Range 5.0× – 14.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +30.4%
- Earnings per share growth (TTM)
- -5.2%
- Change in P/E multiple
- +37.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 205
- 50-day average slope (20 days)
- -0.1%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- -0.3%
- Distance from 200-day average
- +6.6%
- RSI (14)
- 49.5
- Relative volume
- 1.05×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.0%
- Volatility vs own 5-year history
- 12th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.73
- Correlation with S&P 500
- 0.38
- Current drawdown from 1-year high
- -5.9%
- Maximum drawdown, 3 years
- -37.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 12, 2024 | Nov 17, 2025 | -37.3% | 253 days | Not yet recovered |
| Feb 17, 2023 | May 4, 2023 | -20.4% | 52 days | 56 days (Jul 26, 2023) |
| May 21, 2021 | Jul 26, 2021 | -19.5% | 44 days | 137 days (Feb 8, 2022) |
| Feb 15, 2022 | May 18, 2022 | -17.2% | 64 days | 62 days (Aug 17, 2022) |
| Dec 28, 2023 | Apr 17, 2024 | -16.9% | 75 days | 53 days (Jul 3, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $368.2M
- P/E (TTM)
- 8.5
- EPS, diluted (TTM)
- $3.12
- Revenue (TTM)
- $152.2M
- Dividend yield
- 3.38%
- 52-week range
- $19.27 – $28.94
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $50.8M | $73.6M | $133.7M | $159.8M | $157.4M |
| Gross profit | $42.0M | $65.0M | $97.4M | $101.9M | $104.1M |
| Operating income | $15.6M | $34.4M | $64.7M | $65.8M | $62.3M |
| Net income | $11.9M | $24.8M | $46.3M | $47.1M | $44.4M |
| EPS (diluted) | $0.75 | $1.58 | $3.32 | $3.52 | $3.25 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $41.7M | $40.0M | $39.4M | $38.1M | $39.5M | $39.3M | $36.8M | $36.7M |
| Net income | $12.7M | $10.2M | $10.6M | $11.2M | $11.9M | $10.8M | $10.0M | $9.8M |
| EPS (diluted) | $0.95 | $0.74 | $0.78 | $0.82 | $0.87 | $0.79 | $0.74 | $0.72 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $21.6M | $27.5M | $42.8M | $48.7M | $52.6M |
| Capital expenditure | -$6.5M | -$3.3M | -$626,000 | -$517,000 | -$1.7M |
| Free cash flow | $15.1M | $24.2M | $42.2M | $48.2M | $50.8M |
| Dividends paid | -$2.3M | -$6.9M | -$3.7M | -$7.9M | -$13.3M |
| Net share buybacks | $95.4M | -$9.3M | -$28.7M | -$3.2M | -$1.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $9.5M
- Total assets
- $2.12B
- Total liabilities
- $1.75B
- Total debt
- $194.9M
- Net debt
- $185.4M
- Shareholders’ equity
- $362.6M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 9, 2026 | $0.25 | Nov 13, 2026 |
| Jul 7, 2026 | $0.25 | Aug 6, 2026 |
| Apr 6, 2026 | $0.20 | May 5, 2026 |
| Jan 5, 2026 | $0.20 | Feb 6, 2026 |
| Oct 3, 2025 | $0.20 | Nov 7, 2025 |
| Sep 8, 2025 | $0.20 | Oct 6, 2025 |
| Jul 7, 2025 | $0.20 | Aug 6, 2025 |
| Apr 7, 2025 | $0.20 | May 6, 2025 |
Short interest
- Shares sold short
- 165,984
- Days to cover
- 5.70
- Change vs previous report
- +7.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 13, 2021
- 67-for-50