Northeast Cmnty Bancorp Inc Financials
Northeast Cmnty Bancorp Inc (NECB) reported $149.9M in revenue over the twelve months to Jun 30, 2026, down 5.1% from the prior twelve months. This page shows its 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).
Balance-sheet expansion is outpacing earnings, while reported cash generation remains resilient and capital needs stay modest.
ROA eased from2.3% in FY2024 to2.2% in FY2025 even as assets increased; the balance sheet is producing slightly less profit per dollar deployed. Revenue also declined to$154.1M while assets reached$2.1B , reinforcing that asset growth is not currently translating into comparable earning-volume growth.
Operating cash flow rose to
Capital expenditures were just
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Not available for Northeast Cmnty Bancorp Inc, and counted as zero in the overall score.
Northeast Cmnty Bancorp Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 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.
Not reported for fiscal year 2025.
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
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.
Not reported for fiscal year 2025.
NECB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $36.1M+0.3% | $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 |
| SG&A Expenses | $5.8M-5.8% | $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 |
| Interest Expense | $11.4M-3.6% | $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 |
| Income Tax | $4.0M-2.0% | $4.1M-14.2% | $4.8M+0.9% | $4.7M+11.4% | $4.3M+4.4% | $4.1M-4.8% | $4.3M-12.3% | $4.9M |
| Net Income | $9.8M-1.6% | $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 |
| EPS (Diluted) | $0.72-2.7% | $0.74-5.1% | $0.78-10.3% | $0.87+6.1% | $0.82+5.1% | $0.78+5.4% | $0.74-22.1% | $0.95 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
NECB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B+4.4% | $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 |
| Cash & Equivalents | $73.4M-3.7% | $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 |
| Total Liabilities | $1.8B+5.0% | $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 |
| Long-Term Debt | $190.0M+850.0% | $20.0M-71.4% | $70.0M-58.8% | $170.0M+25.9% | $135.0M | N/A | N/A | $7.0M |
| Total Equity | $362.6M+1.8% | $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 |
| Retained Earnings | $258.7M+2.6% | $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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.
NECB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.8M+22.6% | $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 |
| Capital Expenditures | $133K+35.7% | $98K-43.0% | $172K-61.1% | $442K-41.1% | $751K+96.6% | $382K+172.9% | $140K-20.5% | $176K |
| Free Cash Flow | $12.7M+22.5% | $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 |
| Investing Cash Flow | -$91.7M-395.6% | $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 |
| Financing Cash Flow | $76.1M+263.9% | -$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 |
| Dividends Paid | $3.3M+18.6% | $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 |
| Share Buybacks | $1.1M-70.6% | $3.6M+150.8% | $1.4M | N/A | N/A | N/A | $726K | $0 |
NECB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.2%-0.5pp | 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% |
| Return on Equity | 2.7%-0.1pp | 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% |
| Return on Assets | 0.5%0.0pp | 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% |
| Debt-to-Equity | 0.52+0.5x | 0.06-0.1x | 0.20-0.3x | 0.49+0.1x | 0.40-4.5x | 4.91-0.4x | 5.31+5.3x | 0.02 |
| FCF Margin | 35.1%+6.4pp | 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% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Northeast Cmnty Bancorp Inc Ranks
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.