Northeast Cmnty Bancorp Inc Financials
This page shows Northeast Cmnty Bancorp Inc (NECB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Northeast Community Bancorp’s balance-sheet growth is increasingly funded by internally generated cash, even as returns moderate on a larger capital base.
From FY2023 to FY2025, financing cash flow fell from$288M to$2.4M . Yet total assets still rose from$1.76B to$2.06B , and FY2025 operating cash flow remained above net income, suggesting the latest expansion is being supported more by retained earnings and internal cash generation than by fresh external funding.
Return metrics have softened without showing a collapse in asset productivity: ROE moved from
FY2025 free cash flow reached
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Northeast Cmnty Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Northeast Cmnty Bancorp Inc's revenue declined 3.7% year-over-year, from $160.0M to $154.1M. This contraction results in a growth score of 46/100.
Northeast Cmnty Bancorp Inc carries a low D/E ratio of 0.20, meaning only $0.20 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.
Northeast Cmnty Bancorp Inc converts 33.0% of revenue into free cash flow ($50.8M). This strong cash generation earns a score of 100/100.
Northeast Cmnty Bancorp Inc's ROE of 12.6% shows moderate profitability relative to equity, earning a score of 42/100. This is down from 14.8% the prior year.
Northeast Cmnty Bancorp Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Northeast Cmnty Bancorp Inc generates $1.18 in operating cash flow ($52.6M OCF vs $44.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Northeast Cmnty Bancorp Inc generated $154.1M in revenue in fiscal year 2025. This represents a decrease of 3.7% from the prior year.
Northeast Cmnty Bancorp Inc reported $44.4M in net income in fiscal year 2025. This represents a decrease of 5.7% from the prior year.
Northeast Cmnty Bancorp Inc earned $3.25 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 7.7% from the prior year.
Cash & Balance Sheet
Northeast Cmnty Bancorp Inc generated $50.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 5.5% from the prior year.
Northeast Cmnty Bancorp Inc held $81.2M in cash against $70.0M in long-term debt as of fiscal year 2025.
Northeast Cmnty Bancorp Inc paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 53.8% from the prior year.
Northeast Cmnty Bancorp Inc had 14M shares outstanding in fiscal year 2025. This represents a decrease of 0.4% from the prior year.
Margins & Returns
Northeast Cmnty Bancorp Inc's net profit margin was 28.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.6 percentage points from the prior year.
Northeast Cmnty Bancorp Inc's ROE was 12.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.2 percentage points from the prior year.
Capital Allocation
Northeast Cmnty Bancorp Inc spent $1.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 50.6% from the prior year.
Northeast Cmnty Bancorp Inc invested $1.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 237.9% from the prior year.
NECB Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $36.0M-6.8% | $38.6M-1.7% | $39.3M+3.3% | $38.0M-0.4% | $38.2M-5.6% | $40.5M-1.7% | $41.2M+2.4% | $40.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $6.2M-0.2% | $6.2M+14.2% | $5.4M-4.1% | $5.7M-4.8% | $5.9M+14.0% | $5.2M+1.3% | $5.1M-2.2% | $5.3M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $11.8M-9.9% | $13.1M-1.5% | $13.3M+2.9% | $13.0M-7.0% | $13.9M-8.1% | $15.2M+1.9% | $14.9M+6.3% | $14.0M |
| Income Tax | $4.1M-14.2% | $4.8M+0.9% | $4.7M+11.4% | $4.3M+4.4% | $4.1M-4.8% | $4.3M-12.3% | $4.9M0.0% | $4.9M |
| Net Income | $10.0M-7.9% | $10.8M-8.9% | $11.9M+6.2% | $11.2M+5.7% | $10.6M+3.4% | $10.2M-19.5% | $12.7M-0.9% | $12.8M |
| EPS (Diluted) | $0.74 | N/A | $0.87+6.1% | $0.82+5.1% | $0.78 | N/A | $0.95-2.1% | $0.97 |
NECB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.0B-1.9% | $2.1B+0.4% | $2.1B+4.2% | $2.0B+2.1% | $1.9B-3.8% | $2.0B+2.1% | $2.0B+2.0% | $1.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $76.2M-6.1% | $81.2M+26.2% | $64.3M+8.4% | $59.4M-33.6% | $89.5M+14.3% | $78.3M-20.0% | $97.8M-14.1% | $113.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.7B-2.5% | $1.7B0.0% | $1.7B+4.6% | $1.6B+1.9% | $1.6B-5.0% | $1.7B+2.0% | $1.7B+1.7% | $1.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $20.0M-71.4% | $70.0M-58.8% | $170.0M+25.9% | $135.0M | N/A | N/A | $7.0M-85.1% | $47.0M |
| Total Equity | $356.3M+1.3% | $351.7M+2.2% | $344.0M+2.2% | $336.7M+2.9% | $327.2M+2.8% | $318.3M+2.8% | $309.6M+3.2% | $300.0M |
| Retained Earnings | $252.3M+3.0% | $245.0M+3.4% | $236.8M+2.8% | $230.3M+3.8% | $221.9M+3.7% | $214.0M+4.0% | $205.7M+4.4% | $197.0M |
NECB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $10.4M-12.8% | $12.0M-14.8% | $14.1M-10.1% | $15.6M+42.8% | $10.9M+6.9% | $10.2M-29.0% | $14.4M+29.7% | $11.1M |
| Capital Expenditures | $98K-43.0% | $172K-61.1% | $442K-41.1% | $751K+96.6% | $382K+172.9% | $140K-20.5% | $176K+32.3% | $133K |
| Free Cash Flow | $10.3M-12.4% | $11.8M-13.3% | $13.6M-8.5% | $14.9M+40.8% | $10.6M+4.6% | $10.1M-29.1% | $14.2M+29.6% | $11.0M |
| Investing Cash Flow | $31.0M+184.2% | $10.9M+114.0% | -$77.8M-9.3% | -$71.2M-182.7% | $86.0M+245.1% | -$59.3M-10.0% | -$53.9M-0.8% | -$53.5M |
| Financing Cash Flow | -$46.4M-667.6% | -$6.0M-108.8% | $68.7M+169.9% | $25.5M+129.7% | -$85.8M-390.5% | $29.5M+26.3% | $23.4M-52.1% | $48.8M |
| Dividends Paid | $2.8M-50.2% | $5.6M+4.5% | $5.4M+100.0% | $2.7M+27.6% | $2.1M-50.0% | $4.2M+5.2% | $4.0M+200.5% | $1.3M |
| Share Buybacks | $3.6M+150.8% | $1.4M | N/A | N/A | N/A | $726K | $0-100.0% | $1.2M |
NECB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 27.7%-0.3pp | 28.0%-2.2pp | 30.2%+0.8pp | 29.4%+1.7pp | 27.7%+2.4pp | 25.2%-5.6pp | 30.8%-1.0pp | 31.8% |
| Return on Equity | 2.8%-0.3pp | 3.1%-0.4pp | 3.5%+0.1pp | 3.3%+0.1pp | 3.2%+0.0pp | 3.2%-0.9pp | 4.1%-0.2pp | 4.3% |
| Return on Assets | 0.5%-0.0pp | 0.5%-0.1pp | 0.6%0.0pp | 0.6%+0.0pp | 0.5%+0.0pp | 0.5%-0.1pp | 0.6%-0.0pp | 0.7% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.06-0.1 | 0.20-0.3 | 0.49+0.1 | 0.40-4.5 | 4.91-0.4 | 5.31+5.3 | 0.02-0.1 | 0.16 |
| FCF Margin | 28.7%-1.8pp | 30.6%-4.1pp | 34.6%-4.5pp | 39.1%+11.5pp | 27.6%+2.7pp | 24.9%-9.6pp | 34.6%+7.3pp | 27.3% |
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Frequently Asked Questions
What is Northeast Cmnty Bancorp Inc's annual revenue?
Northeast Cmnty Bancorp Inc (NECB) reported $154.1M in total revenue for fiscal year 2025. This represents a -3.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Northeast Cmnty Bancorp Inc's revenue growing?
Northeast Cmnty Bancorp Inc (NECB) revenue declined by 3.7% year-over-year, from $160.0M to $154.1M in fiscal year 2025.
Is Northeast Cmnty Bancorp Inc profitable?
Yes, Northeast Cmnty Bancorp Inc (NECB) reported a net income of $44.4M in fiscal year 2025, with a net profit margin of 28.8%.
How much debt does Northeast Cmnty Bancorp Inc have?
As of fiscal year 2025, Northeast Cmnty Bancorp Inc (NECB) had $81.2M in cash and equivalents against $70.0M in long-term debt.
What is Northeast Cmnty Bancorp Inc's net profit margin?
Northeast Cmnty Bancorp Inc (NECB) had a net profit margin of 28.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Northeast Cmnty Bancorp Inc pay dividends?
Yes, Northeast Cmnty Bancorp Inc (NECB) paid $1.00 per share in dividends during fiscal year 2025.
What is Northeast Cmnty Bancorp Inc's return on equity (ROE)?
Northeast Cmnty Bancorp Inc (NECB) has a return on equity of 12.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Northeast Cmnty Bancorp Inc's free cash flow?
Northeast Cmnty Bancorp Inc (NECB) generated $50.8M in free cash flow during fiscal year 2025. This represents a 5.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Northeast Cmnty Bancorp Inc's operating cash flow?
Northeast Cmnty Bancorp Inc (NECB) generated $52.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Northeast Cmnty Bancorp Inc's total assets?
Northeast Cmnty Bancorp Inc (NECB) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Northeast Cmnty Bancorp Inc's capital expenditures?
Northeast Cmnty Bancorp Inc (NECB) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Northeast Cmnty Bancorp Inc's debt-to-equity ratio?
Northeast Cmnty Bancorp Inc (NECB) had a debt-to-equity ratio of 0.20 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Northeast Cmnty Bancorp Inc's return on assets (ROA)?
Northeast Cmnty Bancorp Inc (NECB) had a return on assets of 2.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Northeast Cmnty Bancorp Inc's Piotroski F-Score?
Northeast Cmnty Bancorp Inc (NECB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Northeast Cmnty Bancorp Inc's earnings high quality?
Northeast Cmnty Bancorp Inc (NECB) has an earnings quality ratio of 1.18x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Northeast Cmnty Bancorp Inc?
Northeast Cmnty Bancorp Inc (NECB) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.