Northeast Community Bancorp, Inc. (NECB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NECB SEC filings page.
Northeast Community Bancorp, Inc. (NECB) reported $103.6M in revenue over the twelve months to Jun 30, 2026, down 0.9% 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).
Profits remain positive, but assets expanded faster than earnings while capital returns shifted and leverage moved sharply.
Between FY2023 and FY2025, total assets grew while net income declined, so the larger balance sheet produced less annual profit. ROA fell from2.6% to2.2% , confirming weaker earnings output per asset dollar rather than merely slower top-line growth.
Reported cash generation moved opposite to earnings in FY2025: operating cash flow rose to
The balance sheet's financing profile changed abruptly: debt-to-equity fell from 5.3x in FY2024 to 0.2x in FY2025 while equity increased, pointing to a financing mix shift rather than simple earnings-driven improvement. Meanwhile, dividends per share rose from
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 Community 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 Community Bancorp, Inc. earned a return on assets of 2.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 2.3% the prior year. Earnings ranks banks on that return over three years, and Northeast Community Bancorp, Inc. scores 93/100 among other banks.
Northeast Community Bancorp, Inc. reported revenue of $104.8M in fiscal year 2025, against $105.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Northeast Community Bancorp, Inc. scores 23/100 among other banks.
Northeast Community Bancorp, Inc. funded 17.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $351.7M of equity against $2.1B of assets. Capital ranks banks on that cushion, and Northeast Community Bancorp, Inc. scores 83/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Northeast Community Bancorp, Inc. scores 97/100 on it among other banks.
Not available for Northeast Community Bancorp, Inc., and counted as zero in the overall score.
Northeast Community Bancorp, Inc. reported net income of $44.4M in fiscal year 2025, against $47.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Northeast Community Bancorp, Inc. scores 37/100 among other banks.
Northeast Community 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 Community 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 Community Bancorp, Inc. generated $25.3M in revenue in Q2 2026. This represents a decrease of 2.5% from the same quarter a year earlier. Against the prior quarter it is up 1.5%.
Northeast Community Bancorp, Inc. reported $9.8M in net income in Q2 2026. This represents a decrease of 12.3% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.
Northeast Community Bancorp, Inc. earned $0.72 per diluted share (EPS) in Q2 2026. This represents a decrease of 12.2% from the same quarter a year earlier. Against the prior quarter it is down 2.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
Northeast Community Bancorp, Inc. generated $12.7M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 14.9% from the same quarter a year earlier. Against the prior quarter it is up 22.5%.
Northeast Community Bancorp, Inc. held $73.4M in cash against $190.0M in long-term debt as of Q2 2026.
Northeast Community Bancorp, Inc. paid $0.25 per share in dividends in Q2 2026. This represents an increase of 25.0% from the same quarter a year earlier. Against the prior quarter it is up 25.0%.
Margins & Returns
Northeast Community Bancorp, Inc.'s net profit margin was 38.7% in Q2 2026, showing the share of revenue converted to profit. This is down 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.2 percentage points.
Northeast Community Bancorp, Inc.'s ROE was 2.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Northeast Community Bancorp, Inc. spent $1.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 70.6%.
Northeast Community Bancorp, Inc. invested $133K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 82.3% from the same quarter a year earlier. Against the prior quarter it is up 35.7%.
Not reported for Q2 2026.
NECB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.3M-2.5% | $24.9M-2.2% | $26.4M+3.9% | $27.0M-2.5% | $25.9M-3.8% | $25.5M-0.2% | $25.4M-4.3% | $27.6M+9.0% |
| SG&A Expenses | $5.8M+3.0% | $6.2M+4.0% | $6.2M+18.9% | $5.4M+5.5% | $5.7M+7.6% | $5.9M+10.9% | $5.2M+9.3% | $5.1M+9.3% |
| Interest Expense | $11.4M-12.0% | $11.8M-15.1% | $13.1M-13.4% | $13.3M-10.5% | $13.0M-7.5% | $13.9M+6.2% | $15.2M+27.3% | $14.9M+48.9% |
| Income Tax | $4.0M-5.5% | $4.1M+0.6% | $4.8M+11.6% | $4.7M-3.0% | $4.3M-12.9% | $4.1M-12.3% | $4.3M-15.2% | $4.9M+10.1% |
| Net Income | $9.8M-12.3% | $10.0M-5.8% | $10.8M+5.8% | $11.9M-6.5% | $11.2M-12.7% | $10.6M-7.1% | $10.2M-15.6% | $12.7M+7.1% |
| EPS (Basic) | $0.75-11.8% | $0.76-5.0% | $0.81+5.2% | $0.90-7.2% | $0.85-13.3% | $0.80-8.0% | $0.77-14.4% | $0.97+21.2% |
| EPS (Diluted) | $0.72-12.2% | $0.74-5.1% | $0.78+5.4% | $0.87-8.4% | $0.82-15.5% | $0.78-9.3% | $0.74-18.7% | $0.95+18.7% |
| Diluted Shares (Avg) | 14M-0.2% | 14M-0.2% | N/A | 14M+1.6% | 14M+2.9% | 14M+2.8% | N/A | 13M-9.5% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
NECB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B+7.2% | $2.0B+4.7% | $2.1B+2.7% | $2.1B+4.5% | $2.0B+2.3% | $1.9B+3.6% | $2.0B+13.9% | $2.0B+14.4% |
| Cash & Equivalents | $73.4M+23.6% | $76.2M-14.8% | $81.2M+3.7% | $64.3M-34.2% | $59.4M-47.9% | $89.5M-16.7% | $78.3M+14.0% | $97.8M-8.4% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.8B+7.0% | $1.7B+3.9% | $1.7B+1.2% | $1.7B+3.2% | $1.6B+0.4% | $1.6B+1.8% | $1.7B+13.9% | $1.7B+14.6% |
| Long-Term Debt | $190.0M+40.7% | $20.0M | $70.0M | $170.0M+2328.6% | $135.0M+187.2% | N/A | N/A | $7.0M-89.1% |
| Total Equity | $362.6M+7.7% | $356.3M+8.9% | $351.7M+10.5% | $344.0M+11.1% | $336.7M+12.2% | $327.2M+13.3% | $318.3M+14.0% | $309.6M+13.7% |
| Retained Earnings | $258.7M+12.3% | $252.3M+13.7% | $245.0M+14.5% | $236.8M+15.1% | $230.3M+16.9% | $221.9M+19.6% | $214.0M+21.9% | $205.7M+25.3% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.8M-18.1% | $10.4M-4.6% | $12.0M+17.0% | $14.1M-2.6% | $15.6M+40.5% | $10.9M-15.2% | $10.2M-14.5% | $14.4M+11.6% |
| Depreciation & Amortization | $290K-3.0% | $297K-0.3% | $296K-2.0% | $276K-3.5% | $299K-0.7% | $298K0.0% | $302K+0.7% | $286K-0.3% |
| Capital Expenditures | $133K-82.3% | $98K-74.3% | $172K+22.9% | $442K+151.1% | $751K+464.7% | $382K+461.8% | $140K-43.1% | $176K+8.0% |
| Free Cash Flow | $12.7M-14.9% | $10.3M-2.1% | $11.8M+16.9% | $13.6M-4.5% | $14.9M+35.3% | $10.6M-17.7% | $10.1M-13.9% | $14.2M+11.6% |
| Investing Cash Flow | -$91.7M-28.8% | $31.0M-64.0% | $10.9M+118.4% | -$77.8M-44.4% | -$71.2M-33.1% | $86.0M+227.8% | -$59.3M+23.7% | -$53.9M+53.7% |
| Financing Cash Flow | $76.1M+198.8% | -$46.4M+45.9% | -$6.0M-120.5% | $68.7M+194.0% | $25.5M-47.8% | -$85.8M-192.0% | $29.5M+6.5% | $23.4M-74.1% |
| Dividends Paid | $3.3M+23.5% | $2.8M+32.9% | $5.6M+33.4% | $5.4M+34.3% | $2.7M+101.7% | $2.1M+147.6% | $4.2M+385.1% | $4.0M+385.1% |
| Share Buybacks | $1.1M | $3.6M | $1.4M+98.2% | N/A | N/A | N/A | $726K-86.4% | $0-100.0% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
NECB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 38.7%-4.3pp | 39.9%-1.5pp | 40.9%+0.7pp | 44.0%-1.9pp | 43.1%-4.4pp | 41.4%-3.1pp | 40.2%-5.4pp | 45.9%-0.8pp |
| Return on Equity | 2.7%-0.6pp | 2.8%-0.4pp | 3.1%-0.1pp | 3.5%-0.6pp | 3.3%-1.0pp | 3.2%-0.7pp | 3.2%-1.1pp | 4.1%-0.2pp |
| Return on Assets | 0.5%-0.1pp | 0.5%-0.1pp | 0.5%0.0pp | 0.6%-0.1pp | 0.6%-0.1pp | 0.5%-0.1pp | 0.5%-0.2pp | 0.6%0.0pp |
| Debt-to-Equity | 0.52+0.1x | 0.06-4.9x | 0.20-5.1x | 0.49+0.5x | 0.40+0.2x | 4.91+4.7x | 5.31+5.1x | 0.02-0.2x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 50.1%-7.3pp | 41.5%+0.1pp | 44.6%+4.9pp | 50.5%-1.0pp | 57.4%+16.6pp | 41.4%-8.9pp | 39.7%-4.4pp | 51.5%+1.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Northeast Community Bancorp, Inc. NECB | FY2025 | $104.8M | $44.4M | 42.4% | $382.7M | 56/100 |
| Parke Bancorp Inc. PKBK | FY2025 | $79.9M | $37.8M | 47.3% | $380.7M | 73/100 |
| Primis Financial Corp. FRST | FY2025 | $223.8M | $61K | 0.0% | $381.2M | 28/100 |
| John Marshall Bancorp, Inc. JMSB | FY2025 | $62.6M | $21.2M | 33.9% | $324.7M | 58/100 |
| Timberland Bancorp Inc TSBK | FY2025 | $82.6M | $29.2M | 35.3% | $351.2M | 58/100 |
| Fidelity D & D Bancorp, Inc. FDBC | FY2025 | $93.2M | $28.2M | 30.3% | $328.2M | 40/100 |
Where Northeast Community Bancorp, Inc. Ranks
Frequently Asked Questions
What is Northeast Community Bancorp, Inc.'s annual revenue?
Northeast Community Bancorp, Inc. (NECB) reported $104.8M in total revenue for fiscal year 2025. This represents a -0.7% 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 Community Bancorp, Inc.'s revenue growing?
Northeast Community Bancorp, Inc. (NECB) revenue declined by 0.7% year-over-year, from $105.6M to $104.8M in fiscal year 2025.
Is Northeast Community Bancorp, Inc. profitable?
Yes, Northeast Community Bancorp, Inc. (NECB) reported a net income of $44.4M in fiscal year 2025, with a net profit margin of 42.4%.
How much debt does Northeast Community Bancorp, Inc. have?
As of fiscal year 2025, Northeast Community Bancorp, Inc. (NECB) had $81.2M in cash and equivalents against $70.0M in long-term debt.
What is Northeast Community Bancorp, Inc.'s net profit margin?
Northeast Community Bancorp, Inc. (NECB) had a net profit margin of 42.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Northeast Community Bancorp, Inc. pay dividends?
Yes, Northeast Community Bancorp, Inc. (NECB) paid $1.00 per share in dividends during fiscal year 2025.
What is Northeast Community Bancorp, Inc.'s return on equity (ROE)?
Northeast Community 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 Community Bancorp, Inc.'s free cash flow?
Northeast Community 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 Community Bancorp, Inc.'s operating cash flow?
Northeast Community Bancorp, Inc. (NECB) generated $52.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Northeast Community Bancorp, Inc.'s total assets?
Northeast Community Bancorp, Inc. (NECB) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Northeast Community Bancorp, Inc.'s capital expenditures?
Northeast Community Bancorp, Inc. (NECB) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Northeast Community Bancorp, Inc.'s debt-to-equity ratio?
Northeast Community 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 Community Bancorp, Inc.'s return on assets (ROA)?
Northeast Community 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 Community Bancorp, Inc.'s P/E ratio?
Northeast Community Bancorp, Inc. (NECB) trades at 9.0x earnings, its market capitalization divided by net income of $42.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $382.7M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Northeast Community Bancorp, Inc.'s price-to-sales ratio?
Northeast Community Bancorp, Inc. (NECB) trades at 3.7x sales, its market capitalization divided by revenue of $103.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $382.7M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Northeast Community Bancorp, Inc.'s Piotroski F-Score?
Northeast Community 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 Community Bancorp, Inc.'s earnings high quality?
Northeast Community 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 Community Bancorp, Inc.?
Northeast Community Bancorp, Inc. (NECB) scores 56 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.