Northeast Community Bancorp (NECB) Financials

$27.03 +0.08 (+0.30%)

Closing price 08/14/2026 04:00 PM Eastern

Extended Trading

$27.94 +0.91 (+3.38%)

As of 08/14/2026 07:55 PM Eastern

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

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	12	11	13	13	10	11	11	12	11	9.95	9.80
Consolidated Net Income / (Loss)	12	11	13	13	10	11	11	12	11	9.95	9.80
Net Income / (Loss) Continuing Operations	12	11	13	13	10	11	11	12	11	9.95	9.80
Total Pre-Tax Income	17	16	18	18	14	15	15	17	16	14	14
Total Revenue	27	26	27	28	25	25	26	27	26	25	25
Net Interest Income / (Expense)	25	25	26	26	25	24	25	26	25	24	25
Total Interest Income	37	38	40	41	40	38	38	39	39	36	36
Loans and Leases Interest Income	36	37	39	39	39	37	37	38	38	35	35
Investment Securities Interest Income	0.21	0.22	0.22	0.23	0.25	0.24	0.27	0.28	0.33	0.33	0.33
Deposits and Money Market Investments Interest Income	1.26	1.20	1.39	1.47	1.15	1.08	1.03	0.72	0.55	0.60	0.55
Total Interest Expense	12	13	14	15	15	14	13	13	13	12	11
Deposits Interest Expense	11	12	13	15	15	14	12	12	12	11	11
Long-Term Debt Interest Expense	0.78	0.73	0.57	0.26	0.01	0.00	0.90	1.40	1.32	0.42	0.79
Total Non-Interest Income	1.39	0.55	0.73	1.35	0.15	1.24	0.86	1.01	0.99	0.80	0.64
Other Service Charges	0.51	0.48	0.59	0.64	0.51	0.77	0.64	0.67	0.76	0.74	0.58
Net Realized & Unrealized Capital Gains on Investments	0.60	-0.08	-0.02	0.55	-0.53	0.30	0.05	0.17	0.05	-0.12	-0.12
Other Non-Interest Income	0.17	0.16	0.16	0.17	0.18	0.17	0.17	0.17	0.20	0.18	0.19
Provision for Credit Losses	0.21	-0.17	-0.23	0.11	1.03	0.24	0.00	0.00	-0.34	0.00	0.86
Total Non-Interest Expense	9.23	9.68	9.50	9.96	9.92	11	11	10	11	11	11
Salaries and Employee Benefits	4.76	5.35	5.25	5.14	5.20	5.93	5.65	5.42	6.19	6.17	5.82
Net Occupancy & Equipment Expense	1.49	1.60	1.50	1.60	1.62	1.70	1.75	1.78	1.71	1.89	1.73
Marketing Expense	0.10	0.09	0.09	0.13	0.11	0.10	0.12	0.12	0.09	0.04	0.04
Other Operating Expenses	2.75	2.66	2.66	3.11	2.99	2.90	2.99	3.04	3.24	2.78	3.04
Income Tax Expense	5.05	4.65	4.88	4.88	4.28	4.08	4.25	4.74	4.78	4.10	4.02
Basic Earnings per Share	$1.00	$0.87	$0.98	$0.97	$0.76	$0.80	$0.85	$0.90	$0.80	$0.76	$0.75
Weighted Average Basic Shares Outstanding	13.93M	13.12M	13.08M	13.08M	13.14M	13.19M	13.22M	13.25M	13.26M	13.18M	13.14M
Diluted Earnings per Share	$1.00	$0.86	$0.97	$0.95	$0.74	$0.78	$0.82	$0.87	$0.78	$0.74	$0.72
Weighted Average Diluted Shares Outstanding	13.94M	13.19M	13.18M	13.42M	13.36M	13.56M	13.57M	13.63M	13.66M	13.53M	13.54M
Weighted Average Basic & Diluted Shares Outstanding	14.07M	14.03M	14.02M	14.02M	14.02M	14.02M	14.03M	14.03M	13.83M	13.82M	13.77M

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

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	-38	39	6.44	-16	-20	11	-30	4.96	17	-4.96	-2.80
Net Cash From Operating Activities	12	13	11	14	10	11	16	14	12	10	13
Net Cash From Continuing Operating Activities	12	13	11	14	10	11	16	14	12	10	13
Net Income / (Loss) Continuing Operations	12	11	13	13	10	11	11	12	11	9.95	9.80
Consolidated Net Income / (Loss)	12	11	13	13	10	11	11	12	11	9.95	9.80
Provision For Loan Losses	0.21	-0.17	-0.23	0.11	1.03	0.24	-	-	-0.34	0.00	0.86
Depreciation Expense	0.30	0.30	0.30	0.29	0.30	0.30	0.30	0.28	0.30	0.30	0.29
Amortization Expense	-0.01	0.02	-0.08	-0.07	-0.01	-0.06	-0.18	-0.04	-0.08	-0.04	-0.08
Non-Cash Adjustments to Reconcile Net Income	0.63	0.62	0.44	0.49	1.93	0.40	0.64	0.78	1.66	0.68	0.35
Changes in Operating Assets and Liabilities, net	-1.26	0.76	-2.11	0.93	-3.23	-0.50	3.69	1.18	-0.38	-0.46	1.58
Net Cash From Investing Activities	-78	-67	-53	-54	-59	86	-71	-78	11	31	-92
Net Cash From Continuing Investing Activities	-78	-67	-53	-54	-59	86	-71	-78	11	31	-92
Purchase of Property, Leasehold Improvements and Equipment	-0.25	-0.07	-0.13	-0.18	-0.14	-0.38	-0.75	-0.44	-0.17	-0.10	-0.13
Purchase of Investment Securities	-81	0.00	-54	-64	-58	-1.00	-2.96	-2.24	-3.29	-1.00	-0.60
Sale and/or Maturity of Investments	3.96	3.87	0.35	10	-0.45	0.51	0.53	1.18	0.89	0.42	1.03
Other Investing Activities, net	-	-71	-	-	-	87	-68	-76	13	32	-92
Net Cash From Financing Activities	28	93	49	23	30	-86	25	69	-6.05	-46	76
Net Cash From Continuing Financing Activities	28	93	49	23	30	-86	25	69	-6.05	-46	76
Net Change in Deposits	34	112	52	64	42	-84	-107	36	102	9.38	-90
Issuance of Debt	-	-	-	-	50	0.00	-	170	-235	-50	170
Repurchase of Common Equity	-5.32	-1.25	-1.22	-	-0.73	0.00	-	-0.14	-1.44	-3.61	-1.06
Payment of Dividends	-0.87	-0.85	-1.41	-1.40	-4.21	-2.10	-2.81	-2.81	-5.61	-2.79	-2.76
Other Financing Activities, Net	-0.49	0.34	-0.44	0.56	-0.84	0.68	0.12	0.44	-0.51	0.61	-0.36
Cash Interest Paid	12	13	14	15	15	14	12	13	13	12	11
Cash Income Taxes Paid	4.33	4.02	4.83	5.25	8.02	2.42	2.45	3.50	4.83	2.23	5.67

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	45
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	1,916
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

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	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Total Assets	1,503	1,616	1,720	1,867	1,930	1,968	1,933	1,974	2,056	2,025	2,115
Cash and Due from Banks	14	14	16	9.94	13	16	12	19	11	14	9.47
Interest Bearing Deposits at Other Banks	63	106	91	98	101	82	78	40	53	62	64
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	44	18	33	18	18	21	23	25	42	27	27
Loans and Leases, Net of Allowance	1,311	-4.16	1,503	-4.98	-5.12	1,755	1,720	-4.79	1,869	1,824	1,915
Loans and Leases	1,315	0.24	1,508	-0.05	-0.21	1,760	1,726	-0.06	1,874	1,828	1,920
Allowance for Loan and Lease Losses	4.07	4.40	4.77	4.93	4.92	4.83	5.13	4.72	4.75	4.59	4.75
Premises and Equipment, Net	26	26	26	25	25	25	25	25	26	25	25
Other Assets	1,355	1,456	51	1,721	1,778	69	75	1,869	55	72	74
Total Liabilities & Shareholders' Equity	1,503	1,616	1,720	1,867	1,930	1,968	1,933	1,974	2,056	2,025	2,115
Total Liabilities	1,240	1,346	1,448	1,578	1,630	1,658	1,606	1,637	1,712	1,669	1,753
Non-Interest Bearing Deposits	331	329	309	289	286	268	279	288	287	297	325
Interest Bearing Deposits	882	989	1,059	1,226	1,280	1,363	1,310	1,194	1,231	1,332	1,214
Long-Term Debt	14	14	64	47	47	7.00	-	135	170	20	190
Other Long-Term Liabilities	14	14	15	17	17	21	18	21	24	20	24
Total Equity & Noncontrolling Interests	263	270	272	289	300	310	327	337	344	356	363
Total Preferred & Common Equity	263	270	272	289	300	310	327	337	344	356	363
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	263	270	272	289	300	310	327	337	344	356	363
Common Stock	127	123	115	109	109	110	111	112	112	109	109
Retained Earnings	143	153	164	186	197	206	222	230	237	252	259
Accumulated Other Comprehensive Income / (Loss)	0.16	0.17	0.18	0.32	0.32	0.33	0.21	0.22	0.23	0.24	0.26
Other Equity Adjustments	-7.22	-7.00	-6.78	-6.35	-6.13	-5.91	-5.87	-5.65	-5.44	-5.09	-4.96

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%

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

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	14,023,376.00	14,023,376.00	14,025,800.00	14,027,240.00	13,834,022.00	13,815,407.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	14,023,376.00	14,023,376.00	14,025,800.00	14,027,240.00	13,834,022.00	13,815,407.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	0.75	0.80	0.85	0.77	0.72	0.71
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	22.39%	6.63%	7.65%	9.01%	-4.31%	-0.16%	-3.79%	-2.47%	3.92%	-2.23%	-2.47%
EBITDA Growth	32.68%	0.80%	12.27%	7.09%	-15.16%	-8.90%	-13.19%	-5.33%	6.81%	-3.84%	-9.79%
EBIT Growth	35.62%	1.67%	13.73%	7.92%	-15.48%	-8.62%	-12.77%	-5.50%	7.52%	-4.04%	-10.44%
NOPAT Growth	46.46%	1.16%	15.43%	7.12%	-15.58%	-7.10%	-12.72%	-6.47%	5.82%	-5.82%	-12.31%
Net Income Growth	46.46%	1.16%	15.43%	7.12%	-15.58%	-7.10%	-12.72%	-6.47%	5.82%	-5.82%	-12.31%
EPS Growth	35.14%	11.69%	29.33%	18.75%	-26.00%	-9.30%	-15.46%	-8.42%	5.41%	-5.13%	-12.20%
Operating Cash Flow Growth	-8.58%	17.89%	58.98%	11.60%	-14.48%	-15.22%	40.47%	-2.57%	16.96%	-4.61%	-18.10%
Free Cash Flow Firm Growth	-116.98%	-116.83%	-1,146.02%	174.60%	172.98%	140.13%	-124.29%	-671.36%	-362.92%	-302.91%	37.38%
Invested Capital Growth	21.32%	21.49%	22.36%	-5.88%	-7.28%	-2.59%	35.94%	62.35%	32.47%	15.00%	17.15%
Revenue Q/Q Growth	4.90%	-3.96%	5.53%	2.53%	-7.92%	0.20%	1.70%	3.94%	-1.89%	-5.73%	1.45%
EBITDA Q/Q Growth	5.03%	-6.32%	9.59%	-0.68%	-16.80%	0.59%	4.43%	8.33%	-6.13%	-9.44%	-2.04%
EBIT Q/Q Growth	5.38%	-6.59%	10.34%	-0.63%	-17.47%	0.99%	5.33%	7.64%	-6.10%	-9.87%	-1.69%
NOPAT Q/Q Growth	2.19%	-6.02%	12.52%	-0.88%	-19.47%	3.44%	5.71%	6.22%	-8.88%	-7.95%	-1.58%
Net Income Q/Q Growth	2.19%	-6.02%	12.52%	-0.88%	-19.47%	3.44%	5.71%	6.22%	-8.88%	-7.95%	-1.58%
EPS Q/Q Growth	25.00%	-14.00%	12.79%	-2.06%	-22.11%	5.41%	5.13%	6.10%	-10.34%	-5.13%	-2.70%
Operating Cash Flow Q/Q Growth	-7.37%	7.85%	-13.84%	29.65%	-29.02%	6.91%	42.77%	-10.07%	-14.79%	-12.81%	22.59%
Free Cash Flow Firm Q/Q Growth	-10.80%	0.39%	-5.35%	164.16%	8.39%	-45.22%	-688.82%	-63.44%	50.12%	57.73%	-81.73%
Invested Capital Q/Q Growth	2.05%	-2.16%	3.29%	-8.75%	0.54%	2.79%	44.15%	8.98%	-17.96%	-10.77%	46.85%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	65.58%	63.96%	66.42%	64.35%	58.14%	58.36%	59.93%	62.46%	59.76%	57.40%	55.43%
EBIT Margin	64.51%	62.74%	65.60%	63.58%	56.98%	57.43%	59.48%	61.60%	58.95%	56.36%	54.61%
Profit (Net Income) Margin	45.51%	44.53%	47.48%	45.91%	40.15%	41.44%	43.07%	44.02%	40.88%	39.92%	38.73%
Tax Burden Percent	70.55%	70.98%	72.38%	72.21%	70.46%	72.16%	72.42%	71.47%	69.35%	70.83%	70.91%
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	29.45%	29.02%	27.62%	27.79%	29.54%	27.84%	27.58%	28.53%	30.65%	29.17%	29.09%
Return on Invested Capital (ROIC)	14.67%	14.91%	15.73%	15.00%	12.81%	13.19%	11.00%	11.01%	11.58%	11.83%	7.84%
ROIC Less NNEP Spread (ROIC-NNEP)	14.67%	14.91%	15.73%	15.00%	12.81%	13.19%	11.00%	11.01%	11.58%	11.83%	7.84%
Return on Net Nonoperating Assets (RNNOA)	2.30%	1.65%	1.68%	1.83%	1.37%	1.01%	3.14%	2.98%	1.21%	0.35%	3.64%
Return on Equity (ROE)	16.97%	16.56%	17.41%	16.83%	14.18%	14.20%	14.14%	13.99%	12.79%	12.18%	11.48%
Cash Return on Invested Capital (CROIC)	-4.49%	-4.25%	-4.85%	21.06%	21.78%	16.58%	-19.56%	-36.98%	-15.93%	-1.50%	-7.51%
Operating Return on Assets (OROA)	4.08%	3.82%	3.86%	3.68%	3.19%	3.19%	3.18%	3.18%	3.03%	2.97%	2.77%
Return on Assets (ROA)	2.88%	2.71%	2.80%	2.66%	2.25%	2.30%	2.31%	2.27%	2.10%	2.10%	1.96%
Return on Common Equity (ROCE)	16.97%	16.56%	17.41%	16.83%	14.18%	14.20%	14.14%	13.99%	12.79%	12.18%	11.48%
Return on Equity Simple (ROE_SIMPLE)	0.00%	16.06%	16.04%	15.81%	0.00%	14.14%	13.26%	12.74%	0.00%	12.29%	11.70%
Net Operating Profit after Tax (NOPAT)	12	11	13	13	10	11	11	12	11	9.95	9.80
NOPAT Margin	45.51%	44.53%	47.48%	45.91%	40.15%	41.44%	43.07%	44.02%	40.88%	39.92%	38.73%
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	23.87%	27.55%	25.41%	24.85%	27.24%	30.33%	29.03%	27.11%	30.17%	32.52%	30.02%
Operating Expenses to Revenue	34.72%	37.91%	35.24%	36.04%	38.99%	41.64%	40.52%	38.40%	42.32%	43.64%	41.99%
Earnings before Interest and Taxes (EBIT)	17	16	18	18	14	15	15	17	16	14	14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	17	16	18	18	15	15	16	17	16	14	14
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.87	0.76	0.83	1.18	1.07	0.95	0.96	0.83	0.89	0.92	1.05
Price to Tangible Book Value (P/TBV)	0.87	0.76	0.83	1.18	1.07	0.95	0.96	0.83	0.89	0.92	1.05
Price to Revenue (P/Rev)	2.41	2.13	2.38	3.43	3.23	2.95	3.09	2.75	2.97	3.13	3.67
Price to Earnings (P/E)	5.26	4.71	5.17	7.48	7.24	6.73	7.24	6.52	7.02	7.46	8.95
Dividend Yield	1.75%	1.54%	1.58%	1.22%	2.30%	2.93%	3.25%	5.16%	4.27%	4.24%	2.91%
Earnings Yield	19.01%	21.23%	19.35%	13.37%	13.81%	14.85%	13.81%	15.34%	14.24%	13.41%	11.17%
Enterprise Value to Invested Capital (EV/IC)	0.70	0.47	0.52	0.87	0.82	0.68	0.85	0.76	0.71	0.72	0.90
Enterprise Value to Revenue (EV/Rev)	2.36	1.54	1.74	2.58	2.49	2.10	3.82	3.77	2.87	2.59	4.79
Enterprise Value to EBITDA (EV/EBITDA)	3.61	2.38	2.66	3.96	3.93	3.40	6.33	6.30	4.77	4.32	8.14
Enterprise Value to EBIT (EV/EBIT)	3.69	2.43	2.71	4.02	3.99	3.45	6.42	6.40	4.83	4.38	8.26
Enterprise Value to NOPAT (EV/NOPAT)	5.16	3.41	3.78	5.63	5.58	4.80	8.94	8.93	6.77	6.17	11.70
Enterprise Value to Operating Cash Flow (EV/OCF)	5.57	3.53	3.71	5.46	5.39	4.75	7.79	7.69	5.71	5.19	10.08
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	4.01	3.64	4.04	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.23	0.16	0.16	0.02	0.00	0.00	0.40	0.49	0.20	0.06	0.52
Long-Term Debt to Equity	0.23	0.16	0.16	0.02	0.00	0.00	0.40	0.49	0.20	0.06	0.52
Financial Leverage	0.16	0.11	0.11	0.12	0.11	0.08	0.29	0.27	0.10	0.03	0.46
Leverage Ratio	5.89	6.11	6.23	6.34	6.31	6.17	6.13	6.16	6.08	5.79	5.85
Compound Leverage Factor	5.89	6.11	6.23	6.34	6.31	6.17	6.13	6.16	6.08	5.79	5.85
Debt to Total Capital	18.64%	13.99%	13.55%	2.21%	0.00%	0.00%	28.62%	33.07%	16.60%	5.32%	34.38%
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	18.64%	13.99%	13.55%	2.21%	0.00%	0.00%	28.62%	33.07%	16.60%	5.32%	34.38%
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	81.36%	86.01%	86.45%	97.79%	100.00%	100.00%	71.38%	66.93%	83.40%	94.68%	65.62%
Debt to EBITDA	0.97	0.71	0.69	0.10	0.00	0.00	2.14	2.74	1.11	0.32	3.12
Net Debt to EBITDA	-0.07	-0.91	-0.98	-1.31	0.00	0.00	1.20	1.70	-0.18	-0.90	1.91
Long-Term Debt to EBITDA	0.97	0.71	0.69	0.10	0.00	0.00	2.14	2.74	1.11	0.32	3.12
Debt to NOPAT	1.38	1.01	0.98	0.14	0.00	0.00	3.02	3.88	1.58	0.46	4.48
Net Debt to NOPAT	-0.10	-1.30	-1.39	-1.86	0.00	0.00	1.69	2.41	-0.25	-1.29	2.75
Long-Term Debt to NOPAT	1.38	1.01	0.98	0.14	0.00	0.00	3.02	3.88	1.58	0.46	4.48
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)	-48	-48	-51	32	35	19	-114	-186	-93	-39	-71
Operating Cash Flow to CapEx	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%	9,621.05%
Free Cash Flow to Firm to Interest Expense	-4.05	-3.66	-3.61	2.18	2.32	1.38	-8.76	-13.91	-7.05	-3.31	-6.23
Operating Cash Flow to Interest Expense	1.00	0.98	0.79	0.97	0.67	0.78	1.21	1.05	0.91	0.88	1.12
Operating Cash Flow Less CapEx to Interest Expense	0.98	0.98	0.78	0.96	0.67	0.76	1.15	1.02	0.90	0.87	1.11
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.05
Fixed Asset Turnover	3.92	4.02	4.12	4.23	4.20	4.21	4.15	4.12	4.18	4.16	4.12
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	343	336	347	317	318	327	472	514	422	376	553
Invested Capital Turnover	0.32	0.33	0.33	0.33	0.32	0.32	0.26	0.25	0.28	0.30	0.20
Increase / (Decrease) in Invested Capital	60	59	63	-20	-25	-8.71	125	197	103	49	81
Enterprise Value (EV)	239	158	182	275	262	222	399	391	301	270	496
Market Capitalization	243	219	249	366	341	312	323	286	312	327	380
Book Value per Share	$19.68	$20.54	$21.38	$22.08	$22.71	$23.33	$24.01	$24.53	$25.07	$25.75	$26.24
Tangible Book Value per Share	$19.68	$20.54	$21.38	$22.08	$22.71	$23.33	$24.01	$24.53	$25.07	$25.75	$26.24
Total Capital	343	336	347	317	318	327	472	514	422	376	553
Total Debt	64	47	47	7.00	0.00	0.00	135	170	70	20	190
Total Long-Term Debt	64	47	47	7.00	0.00	0.00	135	170	70	20	190
Net Debt	-4.77	-61	-67	-91	-78	-90	76	106	-11	-56	116
Capital Expenditures (CapEx)	0.25	0.07	0.13	0.18	0.14	0.38	0.75	0.44	0.17	0.10	0.13
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	47	47	7.00	0.00	0.00	135	170	70	20	190
Total Depreciation and Amortization (D&A)	0.29	0.31	0.22	0.21	0.30	0.24	0.12	0.23	0.21	0.26	0.21
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.00	$0.87	$0.98	$0.97	$0.76	$0.80	$0.85	$0.90	$0.80	$0.76	$0.75
Adjusted Weighted Average Basic Shares Outstanding	13.93M	13.12M	13.08M	13.08M	13.14M	13.19M	13.22M	13.25M	13.26M	13.18M	13.14M
Adjusted Diluted Earnings per Share	$1.00	$0.86	$0.97	$0.95	$0.74	$0.78	$0.82	$0.87	$0.78	$0.74	$0.72
Adjusted Weighted Average Diluted Shares Outstanding	13.94M	13.19M	13.18M	13.42M	13.36M	13.56M	13.57M	13.63M	13.66M	13.53M	13.54M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	14.07M	14.03M	14.02M	14.02M	14.02M	14.02M	14.03M	14.03M	13.83M	13.82M	13.77M
Normalized Net Operating Profit after Tax (NOPAT)	12	11	13	13	10	11	11	12	11	9.95	9.80
Normalized NOPAT Margin	45.51%	44.53%	47.48%	45.91%	40.15%	41.44%	43.07%	44.02%	40.88%	39.92%	38.73%
Pre Tax Income Margin	64.51%	62.74%	65.60%	63.58%	56.98%	57.43%	59.48%	61.60%	58.95%	56.36%	54.61%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.44	1.22	1.26	1.18	0.96	1.05	1.19	1.24	1.19	1.19	1.21
NOPAT to Interest Expense	1.02	0.87	0.91	0.85	0.67	0.76	0.86	0.89	0.82	0.84	0.86
EBIT Less CapEx to Interest Expense	1.42	1.21	1.25	1.17	0.95	1.02	1.13	1.21	1.17	1.18	1.20
NOPAT Less CapEx to Interest Expense	0.99	0.86	0.90	0.84	0.66	0.73	0.80	0.86	0.81	0.83	0.85
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	7.89%	7.61%	8.36%	9.24%	16.70%	19.70%	23.55%	27.20%	30.00%	31.99%	32.93%
Augmented Payout Ratio	69.93%	49.50%	43.16%	25.16%	23.50%	23.91%	25.18%	29.18%	33.56%	43.84%	47.67%

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.

08/15/26 08:43 AM 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%.

Related Companies

Financial statements for NASDAQ:NECB last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Northeast Community Bancorp (NECB) Financials

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Northeast Community Bancorp (NECB) Financials

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