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Northeast Community Bancorp (NECB) Financials

Northeast Community Bancorp logo
$27.61 0.00 (0.00%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$27.66 +0.05 (+0.16%)
As of 07/2/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 12 12 25 46 47 44
Consolidated Net Income / (Loss)		 12 12 25 46 47 44
Net Income / (Loss) Continuing Operations		 12 12 25 46 47 44
Total Pre-Tax Income 		16 16 34 65 66 62
Total Revenue		 42 46 66 101 106 105
Net Interest Income / (Expense)		 39 43 64 97 103 101
Total Interest Income		 49 48 72 132 160 154
Loans and Leases Interest Income		 48 48 70 127 154 150
Investment Securities Interest Income		 0.42 0.39 0.75 0.86 0.91 1.12
Deposits and Money Market Investments Interest Income		 0.36 0.12 1.26 4.14 5.20 3.37
Total Interest Expense		 9.98 5.10 8.13 35 57 53
Deposits Interest Expense		 9.25 4.36 7.54 34 56 50
Long-Term Debt Interest Expense		 0.69 0.71 0.55 1.08 1.56 3.63
Total Non-Interest Income		 2.51 2.35 1.68 3.74 2.78 4.09
Other Service Charges		 1.25 1.62 2.08 2.00 2.21 2.83
Net Realized & Unrealized Capital Gains on Investments		 0.23 -0.38 -1.48 0.28 -0.09 0.57
Other Non-Interest Income		 0.61 0.60 0.60 1.01 0.66 0.70
Provision for Credit Losses		 0.81 3.61 0.44 0.97 0.74 -0.10
Total Non-Interest Expense		 25 26 31 35 39 43
Salaries and Employee Benefits		 14 15 16 19 21 23
Net Occupancy & Equipment Expense		 4.62 4.76 5.42 5.86 6.32 6.94
Marketing Expense		 0.17 0.14 0.30 0.52 0.42 0.43
Other Operating Expenses		 6.39 6.58 8.97 9.86 11 12
Income Tax Expense		 3.28 3.67 9.59 18 19 18
Basic Earnings per Share		 $0.76 $0.75 $1.61 $3.32 $3.58 $3.35
Weighted Average Basic Shares Outstanding		 16.15M 15.85M 15.43M 13.93M 13.14M 13.26M
Diluted Earnings per Share		 $0.76 $0.00 $1.58 $3.32 $3.52 $3.25
Weighted Average Diluted Shares Outstanding		 16.15M 0.00 15.73M 13.94M 13.36M 13.66M
Weighted Average Basic & Diluted Shares Outstanding		 - 16.38M 15.43M 14.07M 14.02M 13.83M
Cash Dividends to Common per Share		 - $0.18 $0.42 $0.24 $0.65 $1.00

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 12 12 11 13 13 10 11 11 12 11 9.95
Consolidated Net Income / (Loss)		 12 12 11 13 13 10 11 11 12 11 9.95
Net Income / (Loss) Continuing Operations		 12 12 11 13 13 10 11 11 12 11 9.95
Total Pre-Tax Income 		16 17 16 18 18 14 15 15 17 16 14
Total Revenue		 25 27 26 27 28 25 25 26 27 26 25
Net Interest Income / (Expense)		 25 25 25 26 26 25 24 25 26 25 24
Total Interest Income		 35 37 38 40 41 40 38 38 39 39 36
Loans and Leases Interest Income		 34 36 37 39 39 39 37 37 38 38 35
Investment Securities Interest Income		 0.20 0.21 0.22 0.22 0.23 0.25 0.24 0.27 0.28 0.33 0.33
Deposits and Money Market Investments Interest Income		 1.18 1.26 1.20 1.39 1.47 1.15 1.08 1.03 0.72 0.55 0.60
Total Interest Expense		 10 12 13 14 15 15 14 13 13 13 12
Deposits Interest Expense		 9.89 11 12 13 15 15 14 12 12 12 11
Long-Term Debt Interest Expense		 0.11 0.78 0.73 0.57 0.26 0.01 0.00 0.90 1.40 1.32 0.42
Total Non-Interest Income		 0.22 1.39 0.55 0.73 1.35 0.15 1.24 0.86 1.01 0.99 0.80
Other Service Charges		 0.38 0.51 0.48 0.59 0.64 0.51 0.77 0.64 0.67 0.76 0.74
Net Realized & Unrealized Capital Gains on Investments		 -0.43 0.60 -0.08 -0.02 0.55 -0.53 0.30 0.05 0.17 0.05 -0.12
Other Non-Interest Income		 0.15 0.17 0.16 0.16 0.17 0.18 0.17 0.17 0.17 0.20 0.18
Provision for Credit Losses		 0.16 0.21 -0.17 -0.23 0.11 1.03 0.24 0.00 0.00 -0.34 0.00
Total Non-Interest Expense		 8.92 9.23 9.68 9.50 9.96 9.92 11 11 10 11 11
Salaries and Employee Benefits		 4.70 4.76 5.35 5.25 5.14 5.20 5.93 5.65 5.42 6.19 6.17
Net Occupancy & Equipment Expense		 1.43 1.49 1.60 1.50 1.60 1.62 1.70 1.75 1.78 1.71 1.89
Marketing Expense		 0.13 0.10 0.09 0.09 0.13 0.11 0.10 0.12 0.12 0.09 0.04
Other Operating Expenses		 2.66 2.75 2.66 2.66 3.11 2.99 2.90 2.99 3.04 3.24 2.78
Income Tax Expense		 4.44 5.05 4.65 4.88 4.88 4.28 4.08 4.25 4.74 4.78 4.10
Basic Earnings per Share		 $0.80 $1.00 $0.87 $0.98 $0.97 $0.76 $0.80 $0.85 $0.90 $0.80 $0.76
Weighted Average Basic Shares Outstanding		 14.74M 13.93M 13.12M 13.08M 13.08M 13.14M 13.19M 13.22M 13.25M 13.26M 13.18M
Diluted Earnings per Share		 $0.80 $1.00 $0.86 $0.97 $0.95 $0.74 $0.78 $0.82 $0.87 $0.78 $0.74
Weighted Average Diluted Shares Outstanding		 14.82M 13.94M 13.19M 13.18M 13.42M 13.36M 13.56M 13.57M 13.63M 13.66M 13.53M
Weighted Average Basic & Diluted Shares Outstanding		 14.20M 14.07M 14.03M 14.02M 14.02M 14.02M 14.02M 14.03M 14.03M 13.83M 13.82M
Cash Dividends to Common per Share		 $0.06 - $0.10 $0.10 $0.15 - - $0.20 $0.40 - $0.20

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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -58 83 -57 -27 9.59 2.92
Net Cash From Operating Activities		 16 22 28 43 49 53
Net Cash From Continuing Operating Activities		 16 22 28 43 49 53
Net Income / (Loss) Continuing Operations		 12 12 25 46 47 44
Consolidated Net Income / (Loss)		 12 12 25 46 47 44
Provision For Loan Losses		 0.81 3.61 0.44 0.97 0.74 -0.10
Depreciation Expense		 1.07 1.12 1.25 1.22 1.19 1.17
Amortization Expense		 -0.17 0.08 0.54 0.24 -0.14 -0.37
Non-Cash Adjustments to Reconcile Net Income		 -0.35 0.83 1.84 1.53 3.54 3.48
Changes in Operating Assets and Liabilities, net		 1.97 4.01 -1.36 -7.40 -3.71 4.00
Net Cash From Investing Activities		 -72 -179 -257 -358 -234 -52
Net Cash From Continuing Investing Activities		 -72 -179 -257 -358 -234 -52
Purchase of Property, Leasehold Improvements and Equipment		 -1.26 -6.45 -3.30 -0.63 -0.52 -1.75
Purchase of Investment Securities		 -73 -195 -268 -400 -4.10 -9.49
Sale and/or Maturity of Investments		 1.72 23 15 43 14 3.11
Other Investing Activities, net		 - 0.03 - - -243 -44
Net Cash From Financing Activities		 -2.03 240 172 288 195 2.36
Net Cash From Continuing Financing Activities		 -2.03 240 172 288 195 2.36
Net Change in Deposits		 -7.45 155 195 278 270 -53
Issuance of Debt		 7.00 -7.83 0.00 50 -64 70
Repurchase of Common Equity		 - 0.00 -9.32 -29 -3.20 -1.58
Payment of Dividends		 -1.01 -2.26 -6.87 -3.65 -7.86 -13
Other Financing Activities, Net		 -0.57 -0.37 0.49 -0.35 -0.39 0.73
Cash Interest Paid		 9.98 4.98 8.01 35 57 52
Cash Income Taxes Paid		 3.43 3.57 9.20 21 22 15

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -13 -38 39 6.44 -16 -20 11 -30 4.96 17 -4.96
Net Cash From Operating Activities		 13 12 13 11 14 10 11 16 14 12 10
Net Cash From Continuing Operating Activities		 13 12 13 11 14 10 11 16 14 12 10
Net Income / (Loss) Continuing Operations		 12 12 11 13 13 10 11 11 12 11 9.95
Consolidated Net Income / (Loss)		 12 12 11 13 13 10 11 11 12 11 9.95
Provision For Loan Losses		 0.16 0.21 -0.17 -0.23 0.11 1.03 0.24 - - -0.34 0.00
Depreciation Expense		 0.29 0.30 0.30 0.30 0.29 0.30 0.30 0.30 0.28 0.30 0.30
Amortization Expense		 0.04 -0.01 0.02 -0.08 -0.07 -0.01 -0.06 -0.18 -0.04 -0.08 -0.04
Non-Cash Adjustments to Reconcile Net Income		 0.31 0.63 0.62 0.44 0.49 1.93 0.40 0.64 0.78 1.66 0.68
Changes in Operating Assets and Liabilities, net		 0.29 -1.26 0.76 -2.11 0.93 -3.23 -0.50 3.69 1.18 -0.38 -0.46
Net Cash From Investing Activities		 -116 -78 -67 -53 -54 -59 86 -71 -78 11 31
Net Cash From Continuing Investing Activities		 -116 -78 -67 -53 -54 -59 86 -71 -78 11 31
Purchase of Property, Leasehold Improvements and Equipment		 -0.16 -0.25 -0.07 -0.13 -0.18 -0.14 -0.38 -0.75 -0.44 -0.17 -0.10
Purchase of Investment Securities		 -117 -81 0.00 -54 -64 -58 -1.00 -2.96 -2.24 -3.29 -1.00
Sale and/or Maturity of Investments		 0.45 3.96 3.87 0.35 10 -0.45 0.51 0.53 1.18 0.89 0.42
Other Investing Activities, net		 0.01 - -71 - - - 87 -68 -76 13 32
Net Cash From Financing Activities		 90 28 93 49 23 30 -86 25 69 -6.05 -46
Net Cash From Continuing Financing Activities		 90 28 93 49 23 30 -86 25 69 -6.05 -46
Net Change in Deposits		 50 34 112 52 64 42 -84 -107 36 102 9.38
Issuance of Debt		 - - - - - 50 0.00 - 170 -235 -50
Repurchase of Common Equity		 -8.95 -5.32 -1.25 -1.22 - -0.73 0.00 - -0.14 -1.44 -3.61
Payment of Dividends		 -0.90 -0.87 -0.85 -1.41 -1.40 -4.21 -2.10 -2.81 -2.81 -5.61 -2.79
Other Financing Activities, Net		 0.36 -0.49 0.34 -0.44 0.56 -0.84 0.68 0.12 0.44 -0.51 0.61
Cash Interest Paid		 9.87 12 13 14 15 15 14 12 13 13 12
Cash Income Taxes Paid		 5.46 4.33 4.02 4.83 5.25 8.02 2.42 2.45 3.50 4.83 2.23

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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 968 1,225 1,425 1,764 2,010 2,064
Cash and Due from Banks		 7.61 8.34 13 13 14 10
Interest Bearing Deposits at Other Banks		 62 144 82 55 65 71
Time Deposits Placed and Other Short-Term Investments		 0.10 0.10 0.10 0.10 0.10 0.10
Trading Account Securities		 18 38 44 18 22 27
Loans and Leases, Net of Allowance		 820 968 2,424 -4.92 1,808 -4.46
Loans and Leases		 825 973 2,435 0.18 1,813 0.27
Allowance for Loan and Lease Losses		 5.09 5.24 11 5.09 4.83 4.73
Premises and Equipment, Net		 19 24 26 25 25 25
Other Assets		 42 42 47 1,657 77 1,935
Total Liabilities & Shareholders' Equity		 968 1,225 1,425 1,764 2,010 2,064
Total Liabilities		 814 974 1,163 1,485 1,691 1,712
Non-Interest Bearing Deposits		 221 331 376 300 287 272
Interest Bearing Deposits		 553 598 748 1,102 1,385 1,347
Long-Term Debt		 28 28 21 64 0.00 70
Other Long-Term Liabilities		 12 17 18 19 19 23
Total Equity & Noncontrolling Interests		 154 251 262 279 318 352
Total Preferred & Common Equity		 154 251 262 279 318 352
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 154 251 262 279 318 352
Common Stock		 57 145 137 110 110 112
Retained Earnings		 105 114 133 176 214 245
Accumulated Other Comprehensive Income / (Loss)		 -0.19 -0.14 0.16 0.32 0.22 0.23
Other Equity Adjustments		 -1.30 -8.30 -7.43 -6.56 -6.09 -5.22

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,285 1,503 1,616 1,720 1,867 1,930 1,968 1,933 1,974 2,056 2,025
Cash and Due from Banks		 14 14 14 16 9.94 13 16 12 19 11 14
Interest Bearing Deposits at Other Banks		 41 63 106 91 98 101 82 78 40 53 62
Time Deposits Placed and Other Short-Term Investments		 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10
Trading Account Securities		 45 44 18 33 18 18 21 23 25 42 27
Loans and Leases, Net of Allowance		 1,113 1,311 -4.16 1,503 -4.98 -5.12 1,755 1,720 -4.79 1,869 1,824
Loans and Leases		 1,118 1,315 0.24 1,508 -0.05 -0.21 1,760 1,726 -0.06 1,874 1,828
Allowance for Loan and Lease Losses		 5.46 4.07 4.40 4.77 4.93 4.92 4.83 5.13 4.72 4.75 4.59
Premises and Equipment, Net		 26 26 26 26 25 25 25 25 25 26 25
Other Assets		 45 1,355 1,456 51 1,721 1,778 69 75 1,869 55 72
Total Liabilities & Shareholders' Equity		 1,285 1,503 1,616 1,720 1,867 1,930 1,968 1,933 1,974 2,056 2,025
Total Liabilities		 1,025 1,240 1,346 1,448 1,578 1,630 1,658 1,606 1,637 1,712 1,669
Non-Interest Bearing Deposits		 354 331 329 309 289 286 268 279 288 287 297
Interest Bearing Deposits		 636 882 989 1,059 1,226 1,280 1,363 1,310 1,194 1,231 1,332
Long-Term Debt		 21 14 14 64 47 47 7.00 - 135 170 20
Other Long-Term Liabilities		 14 14 14 15 17 17 21 18 21 24 20
Total Equity & Noncontrolling Interests		 260 263 270 272 289 300 310 327 337 344 356
Total Preferred & Common Equity		 260 263 270 272 289 300 310 327 337 344 356
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 260 263 270 272 289 300 310 327 337 344 356
Common Stock		 142 127 123 115 109 109 110 111 112 112 109
Retained Earnings		 125 143 153 164 186 197 206 222 230 237 252
Accumulated Other Comprehensive Income / (Loss)		 -0.08 0.16 0.17 0.18 0.32 0.32 0.33 0.21 0.22 0.23 0.24
Other Equity Adjustments		 -7.65 -7.22 -7.00 -6.78 -6.35 -6.13 -5.91 -5.87 -5.65 -5.44 -5.09

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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 - - - - 14,027,240.00
DEI Adjusted Shares Outstanding		 0.00 - - - - 14,027,240.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 - - - - 3.17
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 9.98% 43.59% 53.96% 4.60% -0.71%
EBITDA Growth		 0.00% 4.74% 115.91% 82.80% 0.94% -5.62%
EBIT Growth		 0.00% -0.24% 121.07% 88.04% 1.59% -5.34%
NOPAT Growth		 0.00% 186.24% 108.68% 86.27% 1.72% -5.65%
Net Income Growth		 0.00% -10.32% 108.68% 86.27% 1.72% -5.65%
EPS Growth		 0.00% -3.95% 0.00% 110.13% 6.02% -7.67%
Operating Cash Flow Growth		 0.00% 75.25% 27.76% 55.54% 13.66% 8.01%
Free Cash Flow Firm Growth		 0.00% 0.00% -77.92% -166.21% 612.50% -181.80%
Invested Capital Growth		 0.00% -46.35% 1.29% 21.32% -7.28% 32.47%
Revenue Q/Q Growth		 0.00% 9.92% 16.88% 5.06% -1.07% 0.96%
EBITDA Q/Q Growth		 0.00% 18.85% 25.28% 6.94% -3.81% 1.62%
EBIT Q/Q Growth		 0.00% 10.37% 26.18% 7.48% -3.88% 1.78%
NOPAT Q/Q Growth		 0.00% 13.37% 19.50% 9.05% -3.85% 1.36%
Net Income Q/Q Growth		 0.00% 6.69% 19.50% 9.05% -3.85% 1.36%
EPS Q/Q Growth		 0.00% 15.38% 338.89% 8.50% -6.88% 1.25%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 17.92% -2.55% -3.44% 3.41%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% -92.76% -8.66% 4.81% 61.62%
Invested Capital Q/Q Growth		 0.00% 2.91% 0.69% 2.05% 0.54% -17.96%
Profitability Metrics		 - - - - - -
EBITDA Margin		 79.54% 110.20% 55.24% 65.58% 63.29% 60.16%
EBIT Margin		 75.21% 34.11% 52.52% 64.14% 62.30% 59.39%
Profit (Net Income) Margin		 59.40% 78.22% 37.89% 45.85% 44.59% 42.37%
Tax Burden Percent		 236.93% 152.88% 72.16% 71.48% 71.57% 71.34%
Interest Burden Percent		 300.00% 200.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 63.07% 47.12% 27.84% 28.52% 28.43% 28.66%
Return on Invested Capital (ROIC)		 6.78% 3.70% 8.84% 14.78% 14.23% 12.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 20.34% 11.11% 8.84% 14.78% 14.23% 12.00%
Return on Net Nonoperating Assets (RNNOA)		 3.70% 2.30% 0.84% 2.32% 1.52% 1.25%
Return on Equity (ROE)		 24.05% 13.41% 9.68% 17.10% 15.75% 13.26%
Cash Return on Invested Capital (CROIC)		 0.00% -106.56% 7.55% -4.49% 21.78% -15.93%
Operating Return on Assets (OROA)		 4.84% 2.84% 2.60% 4.06% 3.49% 3.06%
Return on Assets (ROA)		 3.82% 2.17% 1.87% 2.90% 2.49% 2.18%
Return on Common Equity (ROCE)		 16.03% 4.47% 9.68% 17.10% 15.75% 13.26%
Return on Equity Simple (ROE_SIMPLE)		 24.05% 4.74% 9.48% 16.57% 14.79% 12.63%
Net Operating Profit after Tax (NOPAT)		 12 24 25 46 47 44
NOPAT Margin		 59.40% 26.07% 37.89% 45.85% 44.59% 42.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 89.60% 43.57% 32.44% 24.99% 26.22% 29.14%
Operating Expenses to Revenue		 181.30% 115.96% 46.81% 34.90% 37.00% 40.70%
Earnings before Interest and Taxes (EBIT)		 31 31 34 65 66 62
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 33 34 36 66 67 63
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 0.64 0.69 0.89 0.87 1.07 0.89
Price to Tangible Book Value (P/TBV)		 1.28 1.38 0.89 0.87 1.07 0.89
Price to Revenue (P/Rev)		 4.71 7.56 3.57 2.41 3.23 2.97
Price to Earnings (P/E)		 15.87 43.51 9.41 5.26 7.24 7.02
Dividend Yield		 0.00% 1.65% 2.90% 1.75% 2.30% 4.27%
Earnings Yield		 25.20% 13.79% 10.62% 19.01% 13.81% 14.24%
Enterprise Value to Invested Capital (EV/IC)		 0.62 0.17 0.56 0.70 0.82 0.71
Enterprise Value to Revenue (EV/Rev)		 2.72 2.12 2.43 2.36 2.49 2.87
Enterprise Value to EBITDA (EV/EBITDA)		 3.43 5.76 4.40 3.61 3.93 4.77
Enterprise Value to EBIT (EV/EBIT)		 7.24 3.10 4.63 3.69 3.99 4.83
Enterprise Value to NOPAT (EV/NOPAT)		 9.17 8.11 6.42 5.16 5.58 6.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.22 2.24 5.79 5.57 5.39 5.71
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 7.51 0.00 3.64 0.00
Leverage & Solvency		 - - - - - -
Debt to Equity		 0.36 0.22 0.08 0.23 0.00 0.20
Long-Term Debt to Equity		 0.36 0.22 0.08 0.23 0.00 0.20
Financial Leverage		 0.18 0.41 0.10 0.16 0.11 0.10
Leverage Ratio		 12.59 10.83 5.16 5.89 6.31 6.08
Compound Leverage Factor		 12.59 16.24 5.16 5.89 6.31 6.08
Debt to Total Capital		 46.20% 10.02% 7.42% 18.64% 0.00% 16.60%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 46.20% 20.04% 7.42% 18.64% 0.00% 16.60%
Preferred Equity to Total Capital		 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%
Common Equity to Total Capital		 84.60% 179.96% 92.58% 81.36% 100.00% 83.40%
Debt to EBITDA		 3.39 1.67 0.58 0.97 0.00 1.11
Net Debt to EBITDA		 -2.50 -22.25 -2.05 -0.07 0.00 -0.18
Long-Term Debt to EBITDA		 3.39 5.01 0.58 0.97 0.00 1.11
Debt to NOPAT		 2.27 2.35 0.85 1.38 0.00 1.58
Net Debt to NOPAT		 -6.70 -10.45 -3.00 -0.10 0.00 -0.25
Long-Term Debt to NOPAT		 6.81 4.70 0.85 1.38 0.00 1.58
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -343 21 -14 72 -59
Operating Cash Flow to CapEx		 4,114.62% 339.89% 833.50% 6,842.65% 9,417.02% 3,010.19%
Free Cash Flow to Firm to Interest Expense		 0.00 -33.58 2.61 -0.40 1.26 -1.10
Operating Cash Flow to Interest Expense		 4.71 8.45 3.39 1.21 0.85 0.99
Operating Cash Flow Less CapEx to Interest Expense		 4.37 5.97 2.98 1.20 0.84 0.95
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.09 0.12 0.05 0.06 0.06 0.05
Fixed Asset Turnover		 4.45 2.14 2.62 3.92 4.20 4.18
Capital & Investment Metrics		 - - - - - -
Invested Capital		 364 559 283 343 318 422
Invested Capital Turnover		 0.46 0.14 0.23 0.32 0.32 0.28
Increase / (Decrease) in Invested Capital		 0.00 390 3.61 60 -25 103
Enterprise Value (EV)		 113 48 159 239 262 301
Market Capitalization		 196 173 234 243 341 312
Book Value per Share		 $19.05 $31.20 $16.25 $19.68 $22.71 $25.07
Tangible Book Value per Share		 $18.97 $31.12 $16.24 $19.68 $22.71 $25.07
Total Capital		 182 559 283 343 318 422
Total Debt		 28 28 21 64 0.00 70
Total Long-Term Debt		 56 56 21 64 0.00 70
Net Debt		 -41 -249 -74 -4.77 -78 -11
Capital Expenditures (CapEx)		 2.28 13 3.30 0.63 0.52 1.75
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 56 56 21 64 0.00 70
Total Depreciation and Amortization (D&A)		 1.80 2.39 1.78 1.45 1.04 0.80
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.75 $1.61 $3.32 $3.58 $3.35
Adjusted Weighted Average Basic Shares Outstanding		 0.00 15.85M 15.43M 13.93M 13.14M 13.26M
Adjusted Diluted Earnings per Share		 $0.00 $0.75 $1.58 $3.32 $3.52 $3.25
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 15.85M 15.73M 13.94M 13.36M 13.66M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 16.38M 15.43M 14.07M 14.02M 13.83M
Normalized Net Operating Profit after Tax (NOPAT)		 12 24 25 46 47 44
Normalized NOPAT Margin		 59.77% 78.22% 38.39% 45.95% 44.59% 42.37%
Pre Tax Income Margin		 75.21% 68.22% 52.52% 64.14% 62.30% 59.39%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 4.69 6.11 4.24 1.83 1.15 1.17
NOPAT to Interest Expense		 3.71 2.33 3.06 1.31 0.82 0.83
EBIT Less CapEx to Interest Expense		 4.35 3.62 3.83 1.82 1.14 1.13
NOPAT Less CapEx to Interest Expense		 3.36 2.18 2.65 1.29 0.81 0.80
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 16.35% 56.98% 27.65% 7.89% 16.70% 30.00%
Augmented Payout Ratio		 24.53% 56.98% 65.15% 69.93% 23.50% 33.56%

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 14,023,376.00 14,023,376.00 14,025,800.00 14,027,240.00 13,834,022.00
DEI Adjusted Shares Outstanding		 - - - - - - 14,023,376.00 14,023,376.00 14,025,800.00 14,027,240.00 13,834,022.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.75 0.80 0.85 0.77 0.72
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 42.66% 22.39% 6.63% 7.65% 9.01% -4.31% -0.16% -3.79% -2.47% 3.92% -2.23%
EBITDA Growth		 60.19% 32.68% 0.80% 12.27% 7.09% -15.16% -8.90% -13.19% -5.33% 6.81% -3.84%
EBIT Growth		 63.67% 35.62% 1.67% 13.73% 7.92% -15.48% -8.62% -12.77% -5.50% 7.52% -4.04%
NOPAT Growth		 57.03% 46.46% 1.16% 15.43% 7.12% -15.58% -7.10% -12.72% -6.47% 5.82% -5.82%
Net Income Growth		 57.03% 46.46% 1.16% 15.43% 7.12% -15.58% -7.10% -12.72% -6.47% 5.82% -5.82%
EPS Growth		 63.27% 35.14% 11.69% 29.33% 18.75% -26.00% -9.30% -15.46% -8.42% 5.41% -5.13%
Operating Cash Flow Growth		 80.26% -8.58% 17.89% 58.98% 11.60% -14.48% -15.22% 40.47% -2.57% 16.96% -4.61%
Free Cash Flow Firm Growth		 -1,458.71% -116.98% -116.83% -1,146.02% 174.60% 172.98% 140.13% -124.29% -671.36% -362.92% -302.91%
Invested Capital Growth		 19.70% 21.32% 21.49% 22.36% -5.88% -7.28% -2.59% 35.94% 62.35% 32.47% 15.00%
Revenue Q/Q Growth		 1.25% 4.90% -3.96% 5.53% 2.53% -7.92% 0.20% 1.70% 3.94% -1.89% -5.73%
EBITDA Q/Q Growth		 4.13% 5.03% -6.32% 9.59% -0.68% -16.80% 0.59% 4.43% 8.33% -6.13% -9.44%
EBIT Q/Q Growth		 4.71% 5.38% -6.59% 10.34% -0.63% -17.47% 0.99% 5.33% 7.64% -6.10% -9.87%
NOPAT Q/Q Growth		 6.82% 2.19% -6.02% 12.52% -0.88% -19.47% 3.44% 5.71% 6.22% -8.88% -7.95%
Net Income Q/Q Growth		 6.82% 2.19% -6.02% 12.52% -0.88% -19.47% 3.44% 5.71% 6.22% -8.88% -7.95%
EPS Q/Q Growth		 6.67% 25.00% -14.00% 12.79% -2.06% -22.11% 5.41% 5.13% 6.10% -10.34% -5.13%
Operating Cash Flow Q/Q Growth		 84.69% -7.37% 7.85% -13.84% 29.65% -29.02% 6.91% 42.77% -10.07% -14.79% -12.81%
Free Cash Flow Firm Q/Q Growth		 -999.63% -10.80% 0.39% -5.35% 164.16% 8.39% -45.22% -688.82% -63.44% 50.12% 57.73%
Invested Capital Q/Q Growth		 18.64% 2.05% -2.16% 3.29% -8.75% 0.54% 2.79% 44.15% 8.98% -17.96% -10.77%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 65.50% 65.58% 63.96% 66.42% 64.35% 58.14% 58.36% 59.93% 62.46% 59.76% 57.40%
EBIT Margin		 64.22% 64.51% 62.74% 65.60% 63.58% 56.98% 57.43% 59.48% 61.60% 58.95% 56.36%
Profit (Net Income) Margin		 46.72% 45.51% 44.53% 47.48% 45.91% 40.15% 41.44% 43.07% 44.02% 40.88% 39.92%
Tax Burden Percent		 72.75% 70.55% 70.98% 72.38% 72.21% 70.46% 72.16% 72.42% 71.47% 69.35% 70.83%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.25% 29.45% 29.02% 27.62% 27.79% 29.54% 27.84% 27.58% 28.53% 30.65% 29.17%
Return on Invested Capital (ROIC)		 14.54% 14.67% 14.91% 15.73% 15.00% 12.81% 13.19% 11.00% 11.01% 11.58% 11.83%
ROIC Less NNEP Spread (ROIC-NNEP)		 14.54% 14.67% 14.91% 15.73% 15.00% 12.81% 13.19% 11.00% 11.01% 11.58% 11.83%
Return on Net Nonoperating Assets (RNNOA)		 2.32% 2.30% 1.65% 1.68% 1.83% 1.37% 1.01% 3.14% 2.98% 1.21% 0.35%
Return on Equity (ROE)		 16.86% 16.97% 16.56% 17.41% 16.83% 14.18% 14.20% 14.14% 13.99% 12.79% 12.18%
Cash Return on Invested Capital (CROIC)		 -4.19% -4.49% -4.25% -4.85% 21.06% 21.78% 16.58% -19.56% -36.98% -15.93% -1.50%
Operating Return on Assets (OROA)		 4.11% 4.08% 3.82% 3.86% 3.68% 3.19% 3.19% 3.18% 3.18% 3.03% 2.97%
Return on Assets (ROA)		 2.99% 2.88% 2.71% 2.80% 2.66% 2.25% 2.30% 2.31% 2.27% 2.10% 2.10%
Return on Common Equity (ROCE)		 16.86% 16.97% 16.56% 17.41% 16.83% 14.18% 14.20% 14.14% 13.99% 12.79% 12.18%
Return on Equity Simple (ROE_SIMPLE)		 15.58% 0.00% 16.06% 16.04% 15.81% 0.00% 14.14% 13.26% 12.74% 0.00% 12.29%
Net Operating Profit after Tax (NOPAT)		 12 12 11 13 13 10 11 11 12 11 9.95
NOPAT Margin		 46.72% 45.51% 44.53% 47.48% 45.91% 40.15% 41.44% 43.07% 44.02% 40.88% 39.92%
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% 0.00%
SG&A Expenses to Revenue		 24.69% 23.87% 27.55% 25.41% 24.85% 27.24% 30.33% 29.03% 27.11% 30.17% 32.52%
Operating Expenses to Revenue		 35.17% 34.72% 37.91% 35.24% 36.04% 38.99% 41.64% 40.52% 38.40% 42.32% 43.64%
Earnings before Interest and Taxes (EBIT)		 16 17 16 18 18 14 15 15 17 16 14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 17 16 18 18 15 15 16 17 16 14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.79 0.87 0.76 0.83 1.18 1.07 0.95 0.96 0.83 0.89 0.92
Price to Tangible Book Value (P/TBV)		 0.79 0.87 0.76 0.83 1.18 1.07 0.95 0.96 0.83 0.89 0.92
Price to Revenue (P/Rev)		 2.23 2.41 2.13 2.38 3.43 3.23 2.95 3.09 2.75 2.97 3.13
Price to Earnings (P/E)		 5.04 5.26 4.71 5.17 7.48 7.24 6.73 7.24 6.52 7.02 7.46
Dividend Yield		 1.68% 1.75% 1.54% 1.58% 1.22% 2.30% 2.93% 3.25% 5.16% 4.27% 4.24%
Earnings Yield		 19.83% 19.01% 21.23% 19.35% 13.37% 13.81% 14.85% 13.81% 15.34% 14.24% 13.41%
Enterprise Value to Invested Capital (EV/IC)		 0.51 0.70 0.47 0.52 0.87 0.82 0.68 0.85 0.76 0.71 0.72
Enterprise Value to Revenue (EV/Rev)		 1.78 2.36 1.54 1.74 2.58 2.49 2.10 3.82 3.77 2.87 2.59
Enterprise Value to EBITDA (EV/EBITDA)		 2.77 3.61 2.38 2.66 3.96 3.93 3.40 6.33 6.30 4.77 4.32
Enterprise Value to EBIT (EV/EBIT)		 2.84 3.69 2.43 2.71 4.02 3.99 3.45 6.42 6.40 4.83 4.38
Enterprise Value to NOPAT (EV/NOPAT)		 4.03 5.16 3.41 3.78 5.63 5.58 4.80 8.94 8.93 6.77 6.17
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.90 5.57 3.53 3.71 5.46 5.39 4.75 7.79 7.69 5.71 5.19
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 4.01 3.64 4.04 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.23 0.23 0.16 0.16 0.02 0.00 0.00 0.40 0.49 0.20 0.06
Long-Term Debt to Equity		 0.23 0.23 0.16 0.16 0.02 0.00 0.00 0.40 0.49 0.20 0.06
Financial Leverage		 0.16 0.16 0.11 0.11 0.12 0.11 0.08 0.29 0.27 0.10 0.03
Leverage Ratio		 5.64 5.89 6.11 6.23 6.34 6.31 6.17 6.13 6.16 6.08 5.79
Compound Leverage Factor		 5.64 5.89 6.11 6.23 6.34 6.31 6.17 6.13 6.16 6.08 5.79
Debt to Total Capital		 19.02% 18.64% 13.99% 13.55% 2.21% 0.00% 0.00% 28.62% 33.07% 16.60% 5.32%
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% 0.00%
Long-Term Debt to Total Capital		 19.02% 18.64% 13.99% 13.55% 2.21% 0.00% 0.00% 28.62% 33.07% 16.60% 5.32%
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% 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% 0.00%
Common Equity to Total Capital		 80.98% 81.36% 86.01% 86.45% 97.79% 100.00% 100.00% 71.38% 66.93% 83.40% 94.68%
Debt to EBITDA		 1.03 0.97 0.71 0.69 0.10 0.00 0.00 2.14 2.74 1.11 0.32
Net Debt to EBITDA		 -0.69 -0.07 -0.91 -0.98 -1.31 0.00 0.00 1.20 1.70 -0.18 -0.90
Long-Term Debt to EBITDA		 1.03 0.97 0.71 0.69 0.10 0.00 0.00 2.14 2.74 1.11 0.32
Debt to NOPAT		 1.51 1.38 1.01 0.98 0.14 0.00 0.00 3.02 3.88 1.58 0.46
Net Debt to NOPAT		 -1.01 -0.10 -1.30 -1.39 -1.86 0.00 0.00 1.69 2.41 -0.25 -1.29
Long-Term Debt to NOPAT		 1.51 1.38 1.01 0.98 0.14 0.00 0.00 3.02 3.88 1.58 0.46
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -44 -48 -48 -51 32 35 19 -114 -186 -93 -39
Operating Cash Flow to CapEx		 7,926.99% 4,865.45% 18,982.35% 8,362.41% 8,193.18% 7,311.43% 2,864.66% 2,080.29% 3,178.73% 6,960.47% 10,651.02%
Free Cash Flow to Firm to Interest Expense		 -4.35 -4.05 -3.66 -3.61 2.18 2.32 1.38 -8.76 -13.91 -7.05 -3.31
Operating Cash Flow to Interest Expense		 1.29 1.00 0.98 0.79 0.97 0.67 0.78 1.21 1.05 0.91 0.88
Operating Cash Flow Less CapEx to Interest Expense		 1.27 0.98 0.98 0.78 0.96 0.67 0.76 1.15 1.02 0.90 0.87
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 3.70 3.92 4.02 4.12 4.23 4.20 4.21 4.15 4.12 4.18 4.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 336 343 336 347 317 318 327 472 514 422 376
Invested Capital Turnover		 0.31 0.32 0.33 0.33 0.33 0.32 0.32 0.26 0.25 0.28 0.30
Increase / (Decrease) in Invested Capital		 55 60 59 63 -20 -25 -8.71 125 197 103 49
Enterprise Value (EV)		 171 239 158 182 275 262 222 399 391 301 270
Market Capitalization		 214 243 219 249 366 341 312 323 286 312 327
Book Value per Share		 $18.20 $19.68 $20.54 $21.38 $22.08 $22.71 $23.33 $24.01 $24.53 $25.07 $25.75
Tangible Book Value per Share		 $18.18 $19.68 $20.54 $21.38 $22.08 $22.71 $23.33 $24.01 $24.53 $25.07 $25.75
Total Capital		 336 343 336 347 317 318 327 472 514 422 376
Total Debt		 64 64 47 47 7.00 0.00 0.00 135 170 70 20
Total Long-Term Debt		 64 64 47 47 7.00 0.00 0.00 135 170 70 20
Net Debt		 -43 -4.77 -61 -67 -91 -78 -90 76 106 -11 -56
Capital Expenditures (CapEx)		 0.16 0.25 0.07 0.13 0.18 0.14 0.38 0.75 0.44 0.17 0.10
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 64 64 47 47 7.00 0.00 0.00 135 170 70 20
Total Depreciation and Amortization (D&A)		 0.33 0.29 0.31 0.22 0.21 0.30 0.24 0.12 0.23 0.21 0.26
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.80 $1.00 $0.87 $0.98 $0.97 $0.76 $0.80 $0.85 $0.90 $0.80 $0.76
Adjusted Weighted Average Basic Shares Outstanding		 14.74M 13.93M 13.12M 13.08M 13.08M 13.14M 13.19M 13.22M 13.25M 13.26M 13.18M
Adjusted Diluted Earnings per Share		 $0.80 $1.00 $0.86 $0.97 $0.95 $0.74 $0.78 $0.82 $0.87 $0.78 $0.74
Adjusted Weighted Average Diluted Shares Outstanding		 14.82M 13.94M 13.19M 13.18M 13.42M 13.36M 13.56M 13.57M 13.63M 13.66M 13.53M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.20M 14.07M 14.03M 14.02M 14.02M 14.02M 14.02M 14.03M 14.03M 13.83M 13.82M
Normalized Net Operating Profit after Tax (NOPAT)		 12 12 11 13 13 10 11 11 12 11 9.95
Normalized NOPAT Margin		 46.72% 45.51% 44.53% 47.48% 45.91% 40.15% 41.44% 43.07% 44.02% 40.88% 39.92%
Pre Tax Income Margin		 64.22% 64.51% 62.74% 65.60% 63.58% 56.98% 57.43% 59.48% 61.60% 58.95% 56.36%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.63 1.44 1.22 1.26 1.18 0.96 1.05 1.19 1.24 1.19 1.19
NOPAT to Interest Expense		 1.18 1.02 0.87 0.91 0.85 0.67 0.76 0.86 0.89 0.82 0.84
EBIT Less CapEx to Interest Expense		 1.61 1.42 1.21 1.25 1.17 0.95 1.02 1.13 1.21 1.17 1.18
NOPAT Less CapEx to Interest Expense		 1.17 0.99 0.86 0.90 0.84 0.66 0.73 0.80 0.86 0.81 0.83
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 8.85% 7.89% 7.61% 8.36% 9.24% 16.70% 19.70% 23.55% 27.20% 30.00% 31.99%
Augmented Payout Ratio		 78.39% 69.93% 49.50% 43.16% 25.16% 23.50% 23.91% 25.18% 29.18% 33.56% 43.84%

Financials Breakdown Chart

Key Financial Trends

Northeast Community Bancorp (NASDAQ: NECB) delivered a solid first quarter of 2026, but the latest results also show a business that is growing more cautiously than it did a year ago. Earnings remained healthy, deposits stabilized after recent swings, and the balance sheet still looks conservatively funded. At the same time, the company is carrying more debt than it did in prior periods and quarterly net interest income has softened from recent highs.

For retail investors, the key takeaway is that NECB continues to generate respectable profitability and strong operating cash flow, but growth momentum has cooled and the company is leaning more heavily on leverage and balance-sheet management to support earnings.

  • Q1 2026 net income was $10.0 million, up modestly from $9.9 million in Q1 2025 and below the stronger $11.9 million earned in Q3 2025.
  • Operating cash flow remained strong at $10.4 million in Q1 2026, showing the earnings base is still translating into cash.
  • The company generated a healthy return to profitability consistency across the last several quarters, with no major earnings disruptions in the data provided.
  • Retained earnings increased to $252.3 million in Q1 2026 from $236.8 million in Q3 2025, reflecting ongoing earnings accumulation.
  • Non-interest expense declined to $10.9 million in Q1 2026 from $11.2 million in Q4 2025, suggesting some cost discipline.
  • The allowance for loan and lease losses remained modest at $4.6 million, and the company reported no provision for credit losses in Q1 2026.
  • Total assets were $2.03 billion at March 31, 2026, only slightly above the $2.06 billion level at Q3 2025, indicating a relatively stable balance sheet.
  • Total common equity rose to $356.3 million in Q1 2026 from $344.0 million in Q3 2025, which supports the capital base.
  • The company continued to pay dividends, with $0.20 per share declared in Q1 2026.
  • Share repurchases continued, though at a smaller scale than some prior quarters, which can help offset dilution but also uses capital.
  • Net interest income fell to $24.1 million in Q1 2026 from $25.5 million in Q4 2025 and $25.9 million in Q3 2025, showing some pressure on core spread income.
  • Total revenue declined to $24.9 million in Q1 2026 from $26.4 million in Q4 2025, reflecting softer top-line momentum.
  • Long-term debt jumped to $20 million in Q1 2026 from $170 million in Q3 2025? More importantly, debt usage has been volatile and the balance sheet has relied on funding changes to manage liquidity.
  • Cash and equivalents dropped to $13.9 million in Q1 2026 from $11.2 million in Q3 2025, but the more important issue is that quarter-to-quarter cash movements have been uneven.
  • Net cash from financing activities was negative $46.4 million in Q1 2026, reflecting debt issuance/repayment activity, dividends, and repurchases that reduced flexibility.
  • Quarterly earnings per share softened to $0.76 basic in Q1 2026 from $0.80 in Q4 2025, with diluted EPS at $0.74, signaling slightly lower per-share profitability.

Bottom line: NECB still appears profitable and cash-generative, with a strong capital position relative to assets. However, investors should note the moderation in revenue and net interest income, along with the company’s reliance on balance-sheet adjustments and debt activity to support operations. The stock may appeal to income-focused investors, but growth-oriented investors may want to see clearer expansion in core earnings before getting more constructive.

07/05/26 06:58 PM ETAI Generated. May Contain Errors.

Northeast Community Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Northeast Community Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Northeast Community Bancorp's net income appears to be on an upward trend, with a most recent value of $44.41 million in 2025, rising from $12.33 million in 2020. The previous period was $47.07 million in 2024. See where experts think Northeast Community Bancorp is headed by visiting Northeast Community Bancorp's forecast page.

Over the last 5 years, Northeast Community Bancorp's total revenue changed from $41.51 million in 2020 to $104.83 million in 2025, a change of 152.5%.

Northeast Community Bancorp's total liabilities were at $1.71 billion at the end of 2025, a 1.2% increase from 2024, and a 110.2% increase since 2020.

In the past 5 years, Northeast Community Bancorp's cash and equivalents has ranged from $7.61 million in 2020 to $13.70 million in 2024, and is currently $10.46 million as of their latest financial filing in 2025.

Over the last 5 years, Northeast Community Bancorp's book value per share changed from 19.05 in 2020 to 25.07 in 2025, a change of 31.6%.


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Financial statements for NASDAQ:NECB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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Goldman Sachs and Morgan Stanley are now predicting what could be the worst news for the U.S. stock market in ...
TradeSmith | Sponsoredtc pixel
CODE RED: AI Meltdown Imminent?
After correctly predicting the 2008 and 2020 stock market meltdowns, I believe this AI company is about to tri...
Paradigm Press | Sponsoredtc pixel
Trump just signed it
A recent policy development is drawing attention from income-focused investors. According to one analyst, c...
Investors Alley | Sponsoredtc pixel
Your $29.97 book is free today
Why Some Traders Skip Stocks Entirely You don't need a big account to trade options. In fact, options ca...
Profits Run | Sponsoredtc pixel
From the man who predicted 2008 crash…
Porter Stansberry, founder of one of the largest financial research firms in the world, says he's breaking the...
Porter & Company | Sponsoredtc pixel
Better than SpaceX? Grab this ticker instead.
Larry Benedict generated $274 million for his clients by finding the trades most investors missed. Now he says...
Brownstone Research | Sponsoredtc pixel
Elon’s new "tollbooth"
The SpaceX IPO was valued at $1.75 trillion. But one analyst says fighting over those shares may be the wrong ...
Weiss Ratings | Sponsoredtc pixel