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Northeast Community Bancorp (NECB) Financials

Northeast Community Bancorp logo
$22.99 +0.10 (+0.44%)
Closing price 05/27/2025 04:00 PM Eastern
Extended Trading
$22.98 0.00 (-0.02%)
As of 05/27/2025 04:04 PM Eastern
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Annual Income Statements for Northeast Community Bancorp

Annual Income Statements for Northeast Community Bancorp

This table shows Northeast Community Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 47 46 25
Consolidated Net Income / (Loss)		 47 46 25
Net Income / (Loss) Continuing Operations		 47 46 25
Total Pre-Tax Income 		66 65 34
Total Revenue		 106 101 66
Net Interest Income / (Expense)		 103 97 64
Total Interest Income		 160 132 72
Loans and Leases Interest Income		 154 127 70
Investment Securities Interest Income		 0.91 0.86 0.75
Deposits and Money Market Investments Interest Income		 5.20 4.14 1.26
Total Interest Expense		 57 35 8.13
Deposits Interest Expense		 56 34 7.54
Long-Term Debt Interest Expense		 1.56 1.08 0.55
Total Non-Interest Income		 2.78 3.74 1.68
Other Service Charges		 2.21 2.00 2.08
Net Realized & Unrealized Capital Gains on Investments		 -0.09 0.28 -1.48
Investment Banking Income		 0.00 0.46 0.47
Other Non-Interest Income		 0.66 1.01 0.60
Provision for Credit Losses		 0.74 0.97 0.44
Total Non-Interest Expense		 39 35 31
Salaries and Employee Benefits		 21 19 16
Net Occupancy & Equipment Expense		 6.32 5.86 5.42
Marketing Expense		 0.42 0.52 0.30
Other Operating Expenses		 11 9.86 8.97
Other Special Charges		 0.00 0.14 -
Income Tax Expense		 19 18 9.59
Basic Earnings per Share		 $3.58 $3.32 $1.61
Weighted Average Basic Shares Outstanding		 13.14M 13.93M 15.43M
Diluted Earnings per Share		 $3.52 $3.32 $1.58
Weighted Average Diluted Shares Outstanding		 13.36M 13.94M 15.73M
Weighted Average Basic & Diluted Shares Outstanding		 14.02M 14.07M 15.43M
Cash Dividends to Common per Share		 $0.65 $0.24 $0.42

Quarterly Income Statements for Northeast Community Bancorp

This table shows Northeast Community Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 10 13 13 11 12 12 11 11 8.26 7.54
Consolidated Net Income / (Loss)		 10 13 13 11 12 12 11 11 8.26 7.54
Net Income / (Loss) Continuing Operations		 10 13 13 11 12 12 11 11 8.26 7.54
Total Pre-Tax Income 		14 18 18 16 17 16 16 16 13 9.95
Total Revenue		 25 28 27 26 27 25 25 24 22 18
Net Interest Income / (Expense)		 25 26 26 25 25 25 24 23 21 17
Total Interest Income		 40 41 40 38 37 35 32 29 25 19
Loans and Leases Interest Income		 39 39 39 37 36 34 30 28 24 19
Investment Securities Interest Income		 0.25 0.23 0.22 0.22 0.21 0.20 0.22 0.23 0.22 0.20
Deposits and Money Market Investments Interest Income		 1.15 1.47 1.39 1.20 1.26 1.18 1.00 0.70 0.54 0.41
Total Interest Expense		 15 15 14 13 12 10 7.70 5.67 3.56 1.92
Deposits Interest Expense		 15 15 13 12 11 9.89 7.61 5.55 3.42 1.79
Long-Term Debt Interest Expense		 0.01 0.26 0.57 0.73 0.78 0.11 0.08 0.11 0.13 0.13
Total Non-Interest Income		 0.15 1.35 0.73 0.55 1.39 0.22 1.02 1.12 0.78 0.31
Other Service Charges		 0.51 0.64 0.59 0.48 0.51 0.38 0.48 0.62 0.45 0.57
Net Realized & Unrealized Capital Gains on Investments		 -0.53 0.55 -0.02 -0.08 0.60 -0.43 -0.12 0.23 0.06 -0.52
Other Non-Interest Income		 0.18 0.16 0.16 0.16 0.17 0.15 0.54 0.15 0.15 0.15
Provision for Credit Losses		 1.03 0.11 -0.23 -0.17 0.21 0.16 0.61 0.00 0.44 0.00
Total Non-Interest Expense		 9.92 9.96 9.50 9.68 9.23 8.92 8.88 8.19 8.64 7.82
Salaries and Employee Benefits		 5.20 5.14 5.25 5.35 4.76 4.70 4.84 4.54 4.13 3.98
Net Occupancy & Equipment Expense		 1.62 1.60 1.50 1.60 1.49 1.43 1.46 1.49 1.45 1.33
Marketing Expense		 0.11 0.13 0.09 0.09 0.10 0.13 0.24 0.05 0.12 0.08
Other Operating Expenses		 2.99 3.10 2.65 2.65 2.75 2.66 2.35 2.11 2.50 2.44
Income Tax Expense		 4.28 4.88 4.88 4.65 5.05 4.44 4.46 4.52 4.39 2.40
Basic Earnings per Share		 $0.76 $0.97 $0.98 $0.87 $1.00 $0.80 $0.75 $0.77 $0.54 $0.49
Weighted Average Basic Shares Outstanding		 13.14M 13.08M 13.08M 13.12M 13.93M 14.74M 14.70M 14.65M 15.43M 15.54M
Diluted Earnings per Share		 $0.74 $0.95 $0.97 $0.86 $1.00 $0.80 $0.75 $0.77 $0.74 $0.49
Weighted Average Diluted Shares Outstanding		 13.36M 13.42M 13.18M 13.19M 13.94M 14.82M 14.73M 14.70M 15.73M 15.54M
Weighted Average Basic & Diluted Shares Outstanding		 14.02M 14.02M 14.02M 14.03M 14.07M 14.20M 14.97M 15.09M 15.43M 16.12M

Annual Cash Flow Statements for Northeast Community Bancorp

This table details how cash moves in and out of Northeast Community Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 9.59 -27 -57
Net Cash From Operating Activities		 49 43 28
Net Cash From Continuing Operating Activities		 49 43 28
Net Income / (Loss) Continuing Operations		 47 46 25
Consolidated Net Income / (Loss)		 47 46 25
Provision For Loan Losses		 0.74 0.97 0.44
Depreciation Expense		 1.19 1.22 1.25
Amortization Expense		 -0.14 0.24 0.54
Non-Cash Adjustments to Reconcile Net Income		 3.48 1.53 1.84
Changes in Operating Assets and Liabilities, net		 -3.65 -7.40 -1.36
Net Cash From Investing Activities		 -234 -358 -257
Net Cash From Continuing Investing Activities		 -234 -358 -257
Purchase of Property, Leasehold Improvements and Equipment		 -0.52 -0.63 -3.30
Purchase of Investment Securities		 -247 -400 -268
Sale and/or Maturity of Investments		 14 43 15
Net Cash From Financing Activities		 195 288 172
Net Cash From Continuing Financing Activities		 195 288 172
Net Change in Deposits		 270 278 195
Issuance of Debt		 0.00 50 0.00
Repayment of Debt		 -64 -7.00 -7.00
Repurchase of Common Equity		 -3.20 -29 -9.32
Payment of Dividends		 -7.86 -3.65 -6.87
Other Financing Activities, Net		 -0.39 -0.35 0.49
Cash Interest Paid		 57 35 8.01
Cash Income Taxes Paid		 22 21 9.20

Quarterly Cash Flow Statements for Northeast Community Bancorp

This table details how cash moves in and out of Northeast Community Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -20 -16 6.44 39 -38 -13 43 -18 40 -31
Net Cash From Operating Activities		 10 14 11 13 12 13 7.00 11 13 7.17
Net Cash From Continuing Operating Activities		 10 14 11 13 12 13 7.00 11 13 7.17
Net Income / (Loss) Continuing Operations		 10 13 13 11 12 12 11 11 8.26 7.54
Consolidated Net Income / (Loss)		 10 13 13 11 12 12 11 11 8.26 7.54
Provision For Loan Losses		 1.03 0.11 -0.23 -0.17 0.21 0.16 0.61 0.00 0.44 -
Depreciation Expense		 0.30 0.29 0.30 0.30 0.30 0.29 0.32 0.32 0.35 0.29
Amortization Expense		 -0.01 -0.07 -0.08 0.02 -0.01 0.04 0.08 0.13 0.14 0.13
Non-Cash Adjustments to Reconcile Net Income		 1.93 0.49 0.44 0.62 0.63 0.31 0.30 0.30 1.02 0.38
Changes in Operating Assets and Liabilities, net		 -3.23 0.93 -2.11 0.76 -1.26 0.29 -5.40 -1.04 2.88 -1.17
Net Cash From Investing Activities		 -59 -54 -53 -67 -78 -116 -65 -99 -100 -94
Net Cash From Continuing Investing Activities		 -59 -54 -53 -67 -78 -116 -65 -99 -100 -94
Purchase of Property, Leasehold Improvements and Equipment		 -0.14 -0.18 -0.13 -0.07 -0.25 -0.16 -0.12 -0.10 -0.07 -0.38
Purchase of Investment Securities		 -58 -64 -54 -71 -81 -117 -100 -103 -109 -96
Sale and/or Maturity of Investments		 -0.45 10 0.35 3.55 3.96 0.45 35 3.85 8.88 2.93
Net Cash From Financing Activities		 30 23 49 93 28 90 101 69 127 55
Net Cash From Continuing Financing Activities		 30 23 49 93 28 90 101 69 127 55
Net Change in Deposits		 42 64 52 112 34 50 107 86 134 59
Issuance of Debt		 50 - - - - - - - - -
Repayment of Debt		 -57 10 - -17 - - - -7.00 - -
Repurchase of Common Equity		 -0.73 - -1.22 -1.25 -5.32 -8.95 -3.92 -11 -6.12 -3.20
Payment of Dividends		 -4.21 -1.40 -1.41 -0.85 -0.87 -0.90 -0.91 -0.97 -0.97 -0.98
Other Financing Activities, Net		 -0.84 0.56 -0.44 0.34 -0.49 0.36 -1.60 1.38 0.07 0.56
Cash Interest Paid		 15 15 14 13 12 9.87 7.61 5.62 3.52 1.90
Cash Income Taxes Paid		 8.02 5.25 4.83 4.02 4.33 5.46 11 0.37 3.71 2.85

Annual Balance Sheets for Northeast Community Bancorp

This table presents Northeast Community Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 2,010 1,764 1,425
Cash and Due from Banks		 14 13 13
Interest Bearing Deposits at Other Banks		 65 55 82
Time Deposits Placed and Other Short-Term Investments		 0.10 0.10 0.10
Trading Account Securities		 22 18 44
Loans and Leases, Net of Allowance		 -4.88 -4.92 2,424
Loans and Leases		 -0.05 0.18 2,435
Allowance for Loan and Lease Losses		 4.83 5.09 11
Premises and Equipment, Net		 25 25 26
Other Assets		 1,889 1,657 47
Total Liabilities & Shareholders' Equity		 2,010 1,764 1,425
Total Liabilities		 1,691 1,485 1,163
Non-Interest Bearing Deposits		 287 300 376
Interest Bearing Deposits		 1,385 1,102 748
Long-Term Debt		 0.00 64 21
Other Long-Term Liabilities		 19 19 18
Total Equity & Noncontrolling Interests		 318 279 262
Total Preferred & Common Equity		 318 279 262
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 318 279 262
Common Stock		 110 110 137
Retained Earnings		 214 176 133
Accumulated Other Comprehensive Income / (Loss)		 0.22 0.32 0.16
Other Equity Adjustments		 -6.09 -6.56 -7.43

Quarterly Balance Sheets for Northeast Community Bancorp

This table presents Northeast Community Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 1,968 1,930 1,867 1,720 1,616 1,503 1,285
Cash and Due from Banks		 16 13 9.94 16 14 14 14
Interest Bearing Deposits at Other Banks		 82 101 98 91 106 63 41
Time Deposits Placed and Other Short-Term Investments		 0.10 0.10 0.10 0.10 0.10 0.10 0.10
Trading Account Securities		 21 18 18 33 18 44 45
Loans and Leases, Net of Allowance		 1,755 -5.12 -4.98 1,503 -4.16 1,311 1,113
Loans and Leases		 1,760 -0.21 -0.05 1,508 0.24 1,315 1,118
Allowance for Loan and Lease Losses		 4.83 4.92 4.93 4.77 4.40 4.07 5.46
Premises and Equipment, Net		 25 25 25 26 26 26 26
Other Assets		 69 1,778 1,721 51 1,456 1,355 45
Total Liabilities & Shareholders' Equity		 1,968 1,930 1,867 1,720 1,616 1,503 1,285
Total Liabilities		 1,658 1,630 1,578 1,448 1,346 1,240 1,025
Non-Interest Bearing Deposits		 268 286 289 309 329 331 354
Interest Bearing Deposits		 1,363 1,280 1,226 1,059 989 882 636
Long-Term Debt		 7.00 47 47 64 14 14 21
Other Long-Term Liabilities		 21 17 17 15 14 14 14
Total Equity & Noncontrolling Interests		 310 300 289 272 270 263 260
Total Preferred & Common Equity		 310 300 289 272 270 263 260
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 310 300 289 272 270 263 260
Common Stock		 110 109 109 115 123 127 142
Retained Earnings		 206 197 186 164 153 143 125
Accumulated Other Comprehensive Income / (Loss)		 0.33 0.32 0.32 0.18 0.17 0.16 -0.08
Other Equity Adjustments		 -5.91 -6.13 -6.35 -6.78 -7.00 -7.22 -7.65

Annual Metrics And Ratios for Northeast Community Bancorp

This table displays calculated financial ratios and metrics derived from Northeast Community Bancorp's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 4.60% 53.96% 43.59%
EBITDA Growth		 0.94% 82.80% 115.91%
EBIT Growth		 1.59% 88.04% 121.07%
NOPAT Growth		 1.72% 86.27% 108.68%
Net Income Growth		 1.72% 86.27% 108.68%
EPS Growth		 6.02% 110.13% 0.00%
Operating Cash Flow Growth		 13.66% 55.54% 27.76%
Free Cash Flow Firm Growth		 612.50% -166.21% -77.92%
Invested Capital Growth		 -7.28% 21.32% 1.29%
Revenue Q/Q Growth		 -1.07% 5.06% 16.88%
EBITDA Q/Q Growth		 -3.81% 6.94% 25.28%
EBIT Q/Q Growth		 -3.88% 7.48% 26.18%
NOPAT Q/Q Growth		 -3.85% 9.05% 19.50%
Net Income Q/Q Growth		 -3.85% 9.05% 19.50%
EPS Q/Q Growth		 -6.88% 8.50% 338.89%
Operating Cash Flow Q/Q Growth		 -3.44% -2.55% 17.92%
Free Cash Flow Firm Q/Q Growth		 4.81% -8.66% -92.76%
Invested Capital Q/Q Growth		 0.54% 2.05% 0.69%
Profitability Metrics		 - - -
EBITDA Margin		 63.29% 65.58% 55.24%
EBIT Margin		 62.30% 64.14% 52.52%
Profit (Net Income) Margin		 44.59% 45.85% 37.89%
Tax Burden Percent		 71.57% 71.48% 72.16%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 28.43% 28.52% 27.84%
Return on Invested Capital (ROIC)		 14.23% 14.78% 8.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 14.23% 14.78% 8.84%
Return on Net Nonoperating Assets (RNNOA)		 1.52% 2.32% 0.84%
Return on Equity (ROE)		 15.75% 17.10% 9.68%
Cash Return on Invested Capital (CROIC)		 21.78% -4.49% 7.55%
Operating Return on Assets (OROA)		 3.49% 4.06% 2.60%
Return on Assets (ROA)		 2.49% 2.90% 1.87%
Return on Common Equity (ROCE)		 15.75% 17.10% 9.68%
Return on Equity Simple (ROE_SIMPLE)		 14.79% 16.57% 9.48%
Net Operating Profit after Tax (NOPAT)		 47 46 25
NOPAT Margin		 44.59% 45.85% 37.89%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 26.22% 24.99% 32.44%
Operating Expenses to Revenue		 37.00% 34.90% 46.81%
Earnings before Interest and Taxes (EBIT)		 66 65 34
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 67 66 36
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.07 0.87 0.89
Price to Tangible Book Value (P/TBV)		 1.07 0.87 0.89
Price to Revenue (P/Rev)		 3.23 2.41 3.57
Price to Earnings (P/E)		 7.24 5.26 9.41
Dividend Yield		 2.30% 1.75% 2.90%
Earnings Yield		 13.81% 19.01% 10.62%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.70 0.56
Enterprise Value to Revenue (EV/Rev)		 2.49 2.36 2.43
Enterprise Value to EBITDA (EV/EBITDA)		 3.93 3.61 4.40
Enterprise Value to EBIT (EV/EBIT)		 3.99 3.69 4.63
Enterprise Value to NOPAT (EV/NOPAT)		 5.58 5.16 6.42
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.39 5.57 5.79
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.64 0.00 7.51
Leverage & Solvency		 - - -
Debt to Equity		 0.00 0.23 0.08
Long-Term Debt to Equity		 0.00 0.23 0.08
Financial Leverage		 0.11 0.16 0.10
Leverage Ratio		 6.31 5.89 5.16
Compound Leverage Factor		 6.31 5.89 5.16
Debt to Total Capital		 0.00% 18.64% 7.42%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 18.64% 7.42%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 81.36% 92.58%
Debt to EBITDA		 0.00 0.97 0.58
Net Debt to EBITDA		 0.00 -0.07 -2.05
Long-Term Debt to EBITDA		 0.00 0.97 0.58
Debt to NOPAT		 0.00 1.38 0.85
Net Debt to NOPAT		 0.00 -0.10 -3.00
Long-Term Debt to NOPAT		 0.00 1.38 0.85
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 72 -14 21
Operating Cash Flow to CapEx		 9,417.02% 6,842.65% 833.50%
Free Cash Flow to Firm to Interest Expense		 1.26 -0.40 2.61
Operating Cash Flow to Interest Expense		 0.85 1.21 3.39
Operating Cash Flow Less CapEx to Interest Expense		 0.84 1.20 2.98
Efficiency Ratios		 - - -
Asset Turnover		 0.06 0.06 0.05
Fixed Asset Turnover		 4.20 3.92 2.62
Capital & Investment Metrics		 - - -
Invested Capital		 318 343 283
Invested Capital Turnover		 0.32 0.32 0.23
Increase / (Decrease) in Invested Capital		 -25 60 3.61
Enterprise Value (EV)		 262 239 159
Market Capitalization		 341 243 234
Book Value per Share		 $22.71 $19.68 $16.25
Tangible Book Value per Share		 $22.71 $19.68 $16.24
Total Capital		 318 343 283
Total Debt		 0.00 64 21
Total Long-Term Debt		 0.00 64 21
Net Debt		 -78 -4.77 -74
Capital Expenditures (CapEx)		 0.52 0.63 3.30
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 64 21
Total Depreciation and Amortization (D&A)		 1.04 1.45 1.78
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $3.58 $3.32 $1.61
Adjusted Weighted Average Basic Shares Outstanding		 13.14M 13.93M 15.43M
Adjusted Diluted Earnings per Share		 $3.52 $3.32 $1.58
Adjusted Weighted Average Diluted Shares Outstanding		 13.36M 13.94M 15.73M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.02M 14.07M 15.43M
Normalized Net Operating Profit after Tax (NOPAT)		 47 46 25
Normalized NOPAT Margin		 44.59% 45.95% 38.39%
Pre Tax Income Margin		 62.30% 64.14% 52.52%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 1.15 1.83 4.24
NOPAT to Interest Expense		 0.82 1.31 3.06
EBIT Less CapEx to Interest Expense		 1.14 1.82 3.83
NOPAT Less CapEx to Interest Expense		 0.81 1.29 2.65
Payout Ratios		 - - -
Dividend Payout Ratio		 16.70% 7.89% 27.65%
Augmented Payout Ratio		 23.50% 69.93% 65.15%

Quarterly Metrics And Ratios for Northeast Community Bancorp

This table displays calculated financial ratios and metrics derived from Northeast Community Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -4.31% 9.01% 7.65% 6.63% 22.39% 42.66% 77.85% 99.89% 77.21% 55.30%
EBITDA Growth		 -15.16% 7.09% 12.27% 0.80% 32.68% 60.19% 112.42% 55.98% 12.57% 715.50%
EBIT Growth		 -15.48% 7.92% 13.73% 1.67% 35.62% 63.67% 119.87% 65.45% 14.89% 899.60%
NOPAT Growth		 -15.58% 7.12% 15.43% 1.16% 46.46% 57.03% 105.58% 54.24% 96.32% 933.15%
Net Income Growth		 -15.58% 7.12% 15.43% 1.16% 46.46% 57.03% 105.58% 208.48% 96.32% 933.15%
EPS Growth		 -26.00% 18.75% 29.33% 11.69% 35.14% 63.27% 114.29% 0.00% 254.17% 880.00%
Operating Cash Flow Growth		 -14.48% 11.60% 58.98% 17.89% -8.58% 80.26% 8.45% 1,222.34% 47.00% 31.02%
Free Cash Flow Firm Growth		 172.98% 174.60% -1,146.02% -116.83% -116.98% -1,458.71% -95.43% 264.64% 174.39% 101.16%
Invested Capital Growth		 -7.28% -5.88% 22.36% 21.49% 21.32% 19.70% 2.25% -49.79% -49.35% 1.57%
Revenue Q/Q Growth		 -7.92% 2.53% 5.53% -3.96% 4.90% 1.25% 4.53% 10.24% 22.28% 26.22%
EBITDA Q/Q Growth		 -16.80% -0.68% 9.59% -6.32% 5.03% 4.13% -1.60% 23.30% 26.81% 38.07%
EBIT Q/Q Growth		 -17.47% -0.63% 10.34% -6.59% 5.38% 4.71% -1.36% 24.60% 27.18% 40.66%
NOPAT Q/Q Growth		 -19.47% -0.88% 12.52% -6.02% 2.19% 6.82% -1.40% 36.08% 9.56% 39.85%
Net Income Q/Q Growth		 -19.47% -0.88% 12.52% -6.02% 2.19% 6.82% -1.40% 36.08% 9.56% 39.85%
EPS Q/Q Growth		 -22.11% -2.06% 12.79% -14.00% 25.00% 6.67% -2.60% 4.05% 51.02% 40.00%
Operating Cash Flow Q/Q Growth		 -29.02% 29.65% -13.84% 7.85% -7.37% 84.69% -36.10% -16.37% 82.65% 11.11%
Free Cash Flow Firm Q/Q Growth		 8.39% 164.16% -5.35% 0.39% -10.80% -999.63% -98.31% 0.51% 8,765.11% -96.97%
Invested Capital Q/Q Growth		 0.54% -8.75% 3.29% -2.16% 2.05% 18.64% 2.55% -2.29% 0.69% 1.34%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 58.14% 64.35% 66.42% 63.96% 65.58% 65.50% 63.69% 67.66% 60.49% 58.33%
EBIT Margin		 56.98% 63.58% 65.60% 62.74% 64.51% 64.22% 62.09% 65.80% 58.22% 55.97%
Profit (Net Income) Margin		 40.15% 45.91% 47.48% 44.53% 45.51% 46.72% 44.28% 46.94% 38.03% 42.44%
Tax Burden Percent		 70.46% 72.21% 72.38% 70.98% 70.55% 72.75% 71.31% 71.34% 65.33% 75.83%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.54% 27.79% 27.62% 29.02% 29.45% 27.25% 28.69% 28.66% 34.67% 24.17%
Return on Invested Capital (ROIC)		 12.81% 15.00% 15.73% 14.91% 14.67% 14.54% 13.97% 8.80% 5.92% 8.54%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.81% 15.00% 15.73% 14.91% 14.67% 14.54% 13.97% 8.80% 5.92% 8.54%
Return on Net Nonoperating Assets (RNNOA)		 1.37% 1.83% 1.68% 1.65% 2.30% 2.32% 0.93% 0.95% 0.89% 0.82%
Return on Equity (ROE)		 14.18% 16.83% 17.41% 16.56% 16.97% 16.86% 14.90% 9.75% 6.81% 9.36%
Cash Return on Invested Capital (CROIC)		 21.78% 21.06% -4.85% -4.25% -4.49% -4.19% 11.37% 74.15% 5.05% 105.12%
Operating Return on Assets (OROA)		 3.19% 3.68% 3.86% 3.82% 4.08% 4.11% 3.87% 3.66% 2.88% 2.62%
Return on Assets (ROA)		 2.25% 2.66% 2.80% 2.71% 2.88% 2.99% 2.76% 2.61% 1.88% 1.99%
Return on Common Equity (ROCE)		 14.18% 16.83% 17.41% 16.56% 16.97% 16.86% 14.90% 9.75% 6.81% 9.36%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 15.81% 16.04% 16.06% 0.00% 15.58% 14.15% 12.36% 0.00% 7.99%
Net Operating Profit after Tax (NOPAT)		 10 13 13 11 12 12 11 11 8.26 7.54
NOPAT Margin		 40.15% 45.91% 47.48% 44.53% 45.51% 46.72% 44.28% 46.94% 38.03% 42.44%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 27.24% 24.85% 25.41% 27.55% 23.87% 24.69% 26.10% 25.38% 26.19% 30.32%
Operating Expenses to Revenue		 38.99% 36.04% 35.24% 37.91% 34.72% 35.17% 35.47% 34.20% 39.76% 44.03%
Earnings before Interest and Taxes (EBIT)		 14 18 18 16 17 16 16 16 13 9.95
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 18 18 16 17 17 16 16 13 10
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.07 1.18 0.83 0.76 0.87 0.79 0.81 0.75 0.89 0.75
Price to Tangible Book Value (P/TBV)		 1.07 1.18 0.83 0.76 0.87 0.79 0.81 0.75 0.89 0.75
Price to Revenue (P/Rev)		 3.23 3.43 2.38 2.13 2.41 2.23 2.48 2.54 3.57 3.48
Price to Earnings (P/E)		 7.24 7.48 5.17 4.71 5.26 5.04 5.75 6.07 9.41 9.39
Dividend Yield		 2.30% 1.22% 1.58% 1.54% 1.75% 1.68% 2.89% 3.29% 2.90% 4.02%
Earnings Yield		 13.81% 13.37% 19.35% 21.23% 19.01% 19.83% 17.39% 16.48% 10.62% 10.65%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.87 0.52 0.47 0.70 0.51 0.40 0.48 0.56 0.57
Enterprise Value to Revenue (EV/Rev)		 2.49 2.58 1.74 1.54 2.36 1.78 1.28 1.72 2.43 2.87
Enterprise Value to EBITDA (EV/EBITDA)		 3.93 3.96 2.66 2.38 3.61 2.77 2.04 2.83 4.40 5.58
Enterprise Value to EBIT (EV/EBIT)		 3.99 4.02 2.71 2.43 3.69 2.84 2.10 2.94 4.63 5.91
Enterprise Value to NOPAT (EV/NOPAT)		 5.58 5.63 3.78 3.41 5.16 4.03 2.97 4.12 6.42 7.75
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.39 5.46 3.71 3.53 5.57 3.90 2.97 3.55 5.79 6.90
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.64 4.01 0.00 0.00 0.00 0.00 3.56 0.44 7.51 0.55
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.02 0.16 0.16 0.23 0.23 0.05 0.05 0.08 0.08
Long-Term Debt to Equity		 0.00 0.02 0.16 0.16 0.23 0.23 0.05 0.05 0.08 0.08
Financial Leverage		 0.11 0.12 0.11 0.11 0.16 0.16 0.07 0.11 0.15 0.10
Leverage Ratio		 6.31 6.34 6.23 6.11 5.89 5.64 5.40 5.39 5.16 4.70
Compound Leverage Factor		 6.31 6.34 6.23 6.11 5.89 5.64 5.40 5.39 5.16 4.70
Debt to Total Capital		 0.00% 2.21% 13.55% 13.99% 18.64% 19.02% 4.94% 5.06% 7.42% 7.47%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 2.21% 13.55% 13.99% 18.64% 19.02% 4.94% 5.06% 7.42% 7.47%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 97.79% 86.45% 86.01% 81.36% 80.98% 95.06% 94.94% 92.58% 92.53%
Debt to EBITDA		 0.00 0.10 0.69 0.71 0.97 1.03 0.25 0.30 0.58 0.73
Net Debt to EBITDA		 0.00 -1.31 -0.98 -0.91 -0.07 -0.69 -1.90 -1.34 -2.05 -1.18
Long-Term Debt to EBITDA		 0.00 0.10 0.69 0.71 0.97 1.03 0.25 0.30 0.58 0.73
Debt to NOPAT		 0.00 0.14 0.98 1.01 1.38 1.51 0.37 0.43 0.85 1.01
Net Debt to NOPAT		 0.00 -1.86 -1.39 -1.30 -0.10 -1.01 -2.78 -1.95 -3.00 -1.64
Long-Term Debt to NOPAT		 0.00 0.14 0.98 1.01 1.38 1.51 0.37 0.43 0.85 1.01
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 35 32 -51 -48 -48 -44 4.84 285 284 3.20
Operating Cash Flow to CapEx		 7,311.43% 8,193.18% 8,362.41% 18,982.35% 4,865.45% 7,926.99% 5,781.82% 11,405.21% 19,252.94% 1,911.47%
Free Cash Flow to Firm to Interest Expense		 2.32 2.18 -3.61 -3.66 -4.05 -4.35 0.63 50.32 79.81 1.67
Operating Cash Flow to Interest Expense		 0.67 0.97 0.79 0.98 1.00 1.29 0.91 1.93 3.68 3.73
Operating Cash Flow Less CapEx to Interest Expense		 0.67 0.96 0.78 0.98 0.98 1.27 0.89 1.91 3.66 3.53
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.05 0.05
Fixed Asset Turnover		 4.20 4.23 4.12 4.02 3.92 3.70 3.41 3.02 2.62 2.25
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 318 317 347 336 343 336 284 277 283 281
Invested Capital Turnover		 0.32 0.33 0.33 0.33 0.32 0.31 0.32 0.19 0.16 0.20
Increase / (Decrease) in Invested Capital		 -25 -20 63 59 60 55 6.25 -274 -276 4.34
Enterprise Value (EV)		 262 275 182 158 239 171 113 134 159 161
Market Capitalization		 341 366 249 219 243 214 219 197 234 195
Book Value per Share		 $22.71 $22.08 $21.38 $20.54 $19.68 $18.20 $17.86 $17.01 $16.25 $15.92
Tangible Book Value per Share		 $22.71 $22.08 $21.38 $20.54 $19.68 $18.18 $17.85 $17.00 $16.24 $15.88
Total Capital		 318 317 347 336 343 336 284 277 283 281
Total Debt		 0.00 7.00 47 47 64 64 14 14 21 21
Total Long-Term Debt		 0.00 7.00 47 47 64 64 14 14 21 21
Net Debt		 -78 -91 -67 -61 -4.77 -43 -106 -63 -74 -34
Capital Expenditures (CapEx)		 0.14 0.18 0.13 0.07 0.25 0.16 0.12 0.10 0.07 0.38
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 7.00 47 47 64 64 14 14 21 21
Total Depreciation and Amortization (D&A)		 0.30 0.21 0.22 0.31 0.29 0.33 0.40 0.45 0.50 0.42
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.76 $0.97 $0.98 $0.87 $1.00 $0.80 $0.75 $0.77 $0.54 $0.49
Adjusted Weighted Average Basic Shares Outstanding		 13.14M 13.08M 13.08M 13.12M 13.93M 14.74M 14.70M 14.65M 15.43M 15.54M
Adjusted Diluted Earnings per Share		 $0.74 $0.95 $0.97 $0.86 $1.00 $0.80 $0.75 $0.77 $0.74 $0.49
Adjusted Weighted Average Diluted Shares Outstanding		 13.36M 13.42M 13.18M 13.19M 13.94M 14.82M 14.73M 14.70M 15.73M 15.54M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.02M 14.02M 14.02M 14.03M 14.07M 14.20M 14.97M 15.09M 15.43M 16.12M
Normalized Net Operating Profit after Tax (NOPAT)		 10 13 13 11 12 12 11 11 8.26 7.54
Normalized NOPAT Margin		 40.15% 45.91% 47.48% 44.53% 45.51% 46.72% 44.28% 46.94% 38.03% 42.44%
Pre Tax Income Margin		 56.98% 63.58% 65.60% 62.74% 64.51% 64.22% 62.09% 65.80% 58.22% 55.97%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.96 1.18 1.26 1.22 1.44 1.63 2.02 2.78 3.55 5.17
NOPAT to Interest Expense		 0.67 0.85 0.91 0.87 1.02 1.18 1.44 1.98 2.32 3.92
EBIT Less CapEx to Interest Expense		 0.95 1.17 1.25 1.21 1.42 1.61 2.00 2.76 3.54 4.97
NOPAT Less CapEx to Interest Expense		 0.66 0.84 0.90 0.86 0.99 1.17 1.42 1.97 2.30 3.73
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 16.70% 9.24% 8.36% 7.61% 7.89% 8.85% 10.06% 21.13% 27.65% 33.09%
Augmented Payout Ratio		 23.50% 25.16% 43.16% 49.50% 69.93% 78.39% 72.37% 82.28% 65.15% 48.46%

Frequently Asked Questions About Northeast Community Bancorp's Financials

When does Northeast Community Bancorp's fiscal year end?

According to the most recent income statement we have on file, Northeast Community Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Northeast Community Bancorp's net income changed over the last 2 years?

Northeast Community Bancorp's net income appears to be on an upward trend, with a most recent value of $47.07 million in 2024, rising from $24.84 million in 2022. The previous period was $46.28 million in 2023.

How has Northeast Community Bancorp revenue changed over the last 2 years?

Over the last 2 years, Northeast Community Bancorp's total revenue changed from $65.56 million in 2022 to $105.58 million in 2024, a change of 61.0%.

How much debt does Northeast Community Bancorp have?

Northeast Community Bancorp's total liabilities were at $1.69 billion at the end of 2024, a 13.9% increase from 2023, and a 45.4% increase since 2022.

How much cash does Northeast Community Bancorp have?

In the past 2 years, Northeast Community Bancorp's cash and equivalents has ranged from $13.21 million in 2022 to $13.70 million in 2024, and is currently $13.70 million as of their latest financial filing in 2024.

How has Northeast Community Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Northeast Community Bancorp's book value per share changed from 16.25 in 2022 to 22.71 in 2024, a change of 39.7%.


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This page (NASDAQ:NECB) was last updated on 5/28/2025 by MarketBeat.com Staff
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