Northeast Community Bancorp, Inc. (NECB) is a Financials stock trading at $26.77 (as of 2026-09-02), with a market capitalization of $368.52M and a trailing P/E of 8.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.
Northeast Community Bancorp is the holding company for a small New England community bank that earns income from the spread between deposit interest it pays out and loan interest it collects, supplemented by a securities portfolio. Its lending skews toward commercial real estate and construction across a single regional footprint.
Profit flows from the net interest spread: the gap between what the bank pays depositors and what it charges borrowers on its loan book.
Business quality (Solid): A small, regionally focused lender with a solid 38% operating margin and 11% ROE, but a contracting revenue base and heavy CRE exposure in a single metro area.
Valuation: At 9× earnings, NECB trades 32% below the Banking average (13×).
| Price | $26.77 |
| Market Cap | $368.52M |
| P/E Ratio | 8.7 |
| EV / EBITDA | 7.9 |
| Price / Book | 1.02 |
| Price / Sales | 2.46 |
| FCF Yield | 13.8% |
| DCF Value (model) | $62.17 |
| DCF Upside vs Price | 132.2% |
| Revenue (TTM) | $154.12M |
| Net Margin | 28.8% |
| Revenue Growth (YoY) | -5.2% |
| EPS Growth (YoY) | -11.8% |
| FCF Growth (YoY) | 54.7% |
| Stock P/E | 8.7 |
| Sector P/E (Financials) | 14.9 |
| Industry P/E (Banking) | 12.7 |
| vs Sector | -41.8% |
| vs Industry | -31.6% |
| Top Institutional Holder | BlackRock, Inc. ($27.46M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Kenneth A. Martinek |
| Employees | 136 |
| Country | US |
| IPO Date | 2006-07-06 |
Data as of 2026-09-02.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.