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Northeast Community Bancorp Inc (NECB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Northeast Community Bancorp Inc stock $27.63, price $29.01, that is 4.8% below the price, quality 57 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

NC Northeast Community Bancorp Inc logo Broad data Nov 5, 2026

Northeast Community Bancorp Inc

NECB · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Highly profitable · 40.4% net margin (TTM)
3.1% dividend yield · Low payout
Ranks above peers (12/14)
Broad data
Costs just 9.1 times its yearly profit.
Fair value $27.63 · Fairly valued
Quality 57/100
Mixed Growth (revenue 3y +28.8 %/yr in USD)
Wide moat 66/100 · thin data
Insiders sold $365,713 (6M)
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$29.87 $8.69 Fair Value $27.63 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $8.69 – $29.87 · fair‑value band $23.45 – $38.14 · the $29.01 price screens above the $27.63 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses.

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It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest-bearing demand accounts, as well as certificates of deposits.

The company also offers construction, commercial and industrial loans, 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 state and municipal governments.

Further, the company offers life insurance products and fixed rate annuities.

It operates full-service branches located in Bronx, New York, Orange, Rockland, and Sullivan Counties in New York, Essex, Middlesex, and Norfolk Counties in Massachusetts; and loan production offices located in White Plains, New York; New City, New York; and Danvers, Massachusetts.

Additionally, the company provides services such as personal loans and overdraft protection, and utilizes brokered, listing service, and military deposits, as well as borrowings, sources of funds, and retail deposit products.

Northeast Community Bancorp, Inc. was founded in 1934 and is headquartered in White Plains, New York.

Stock analysis

Northeast Community Bancorp Inc (NECB) currently trades at $29.01, while our model-based Fair Value estimate is $27.63, so the stock looks roughly fairly valued today (gap 5.0%).

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Valuation

Bull case: the Multiples group reads highest at a median of $32.28 per share, and 1 of the 6 models we run sit above the $29.01 price.

Bear case: the Dividend Discount group reads lowest at $15.07, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $23.45 (bear) to $38.14 (bull), the price of $29.01 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2021: revenue and profit before it include the divested business. Growth is measured afresh from 2021.

Northeast Community Bancorp Inc reported revenue of $157M in FY2025 versus $50.8M in FY2021, a compound +32.7%/yr. Reported net income was $44.4M in FY2025, compounding +39.0%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap $393M Small · P/E ratio 9.1 · P/S ratio 3.85 · EPS (TTM) $3.20 · Dividend yield 3.1% · Net margin 40.4% · Return on equity 11.5% · Return on assets (EBIT) 2.7% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −5%, NECB screens cheaper than that median.

Fair Value models

Bear $23.45 Fair Value $27.63 Bull $38.14
Price $29.01 · Downside -4.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.97 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $23.45 $27.63 $38.14 76
Gordon GGM $8.26 $16.06 $23.71 67
DDM Multi-Stage $8.26 $14.08 $17.01 67
All 6 models by family
Dividend Discount
Gordon GGM $8.26 $16.06 $23.71 67
DDM Multi-Stage $8.26 $14.08 $17.01 67
Multiples
P/E Multiple $31.46 $41.94 $52.43 63
P/B Multiple $16.96 $22.61 $28.26 55
Asset-Based
NCAV (Graham) $12.76 $17.10 $25.53 54
Economic Profit
Residual Income $23.45 $27.63 $38.14 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 38
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 86
Do the profits arrive as real cash?
Financial strength 13
Debt, balance sheet and risk of trouble
Investment 61
Does it invest with discipline instead of growing at any price?
Low Volatility 91
How calm the share price moves, does not count
Price momentum 67
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 89
Distance to the 52-week high, does not count
New shares 91
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $365,713 and none bought.

  • SaleJohn F McKenzieDirector2× since Mar 5, 2026: 12,700 shares, avg. $28.00$355,663Nov 2, 2026
  • SaleDonald S HomEVP and CFO2× since Dec 12, 2025: 5,000 shares, avg. $25.82$129,120Jul 29, 2026
  • SaleCharles Michael CirilloDirector3,566 shares at $22.94$81,804Mar 12, 2026
  • SaleDiane B CavanaughDirector1,000 shares at $23.60$23,595Dec 11, 2025
  • SaleCharles A MartinekDirector2,000 shares at $23.47$46,930Dec 11, 2025

Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100
Spin-off in 2021: revenue and profit before it include the divested business. Growth is measured afresh from 2021.
Revenue growth 1 year
−1.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+37.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+34.1%
Dividend (yield on the price)3.1%
Per share before 2021divided by the spin-off factor 1.34
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.34.1% vs 36.4%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.30% → 40%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −4.8% · Above median
Profitability
Return on equity (12 months) 11.5% · Above median
Return on assets 2.2% · Top 25%
Net margin (12 months) 40.4% · Top 25%
Operating margin (12 months) 58.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) −3.9% · Bottom 25%
Dividend yield (12 months) 3.1% · Above median
Balance sheet
Debt / equity 0.20× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.1× · Cheaper than median
P/B 1.12× · Cheaper than median
P/S (12 months) 3.85× · Pricier than median
Price / free cash flow (fiscal year) 7.7× · Cheaper than median
EV/EBITDA 6.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)27 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)46 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)62 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs NECB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs NECB
BNP Paribas SA BNP €91.93 €106.01 +15% vs NECB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs NECB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs NECB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs NECB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs NECB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs NECB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs NECB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs NECB

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Cite: Fair Value Calculator (2026). "Northeast Community Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/NECB

Frequently asked questions

Is Northeast Community Bancorp Inc (NECB) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $27.63 versus a price of $29.01, about 5% lower (fairly valued).
What is the fair value of NECB?
Our model-based fair value for Northeast Community Bancorp Inc is $27.63 (as of Nov 5, 2026), built from audited fundamentals. The current price: $29.01.
What is the quality score of NECB?
Northeast Community Bancorp Inc has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Northeast Community Bancorp Inc (NECB)?
Our model-based price target is the fair value of $27.63 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $23.45, optimistic scenario $38.14. It is a calculation from audited fundamentals, not an analyst target.
What is the Northeast Community Bancorp Inc stock forecast for 2026?
Our models put fair value at $27.63, about 5% lower versus a price of $29.01 (fairly valued). Cautious scenario $23.45, optimistic scenario $38.14. The calculation is refreshed regularly with new filings.
What is the revenue of Northeast Community Bancorp Inc (NECB)?
Northeast Community Bancorp Inc reported trailing-twelve-month revenue of about $102M (latest available figure, as of Nov 5, 2026).
Does Northeast Community Bancorp Inc pay a dividend?
Northeast Community Bancorp Inc currently shows a dividend yield of 3.10% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Northeast Community Bancorp Inc (NECB) and when is the ex-dividend date?
Northeast Community Bancorp Inc pays a dividend of $0.9 per share a year, a dividend yield of 3.1%. The last ex-dividend date was Oct 9, 2026. A dividend has been paid every year since at least 2007. The payout ratio is 28.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Northeast Community Bancorp Inc (NECB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Northeast Community Bancorp Inc it is $27.63 per share (as of Nov 5, 2026), against a price of $29.01. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Northeast Community Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, NECB trades above its calculated fair value: price $29.01, fair value $27.63, a gap of about −5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NECB?
No. The price is what the market pays today ($29.01); the fair value is what the company's own numbers justify ($27.63). For Northeast Community Bancorp Inc the two are $1.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Northeast Community Bancorp Inc worth?
The market values Northeast Community Bancorp Inc at about $393M (market capitalisation, as of Nov 5, 2026). Per share that is $29.01; our models calculate a fair value of $27.63 per share.
What do the bullish and bearish scenarios say about NECB?
Our models span a range for Northeast Community Bancorp Inc: cautious scenario $23.45, base $27.63, optimistic $38.14 per share (as of Nov 5, 2026, price $29.01). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NECB?
Northeast Community Bancorp Inc trades at a price-to-earnings ratio of 9.1 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $27.63 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings, FY2023 ex one-offs: 7.0. Other multiples: P/B 1.1, P/S 3.8, EV/EBITDA 6.0.
How solid is the balance sheet of Northeast Community Bancorp Inc (NECB)?
Balance-sheet figures for Northeast Community Bancorp Inc (as of Nov 5, 2026): return on equity 11.5%, debt of 0.20 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is NECB from its 52-week high?
Northeast Community Bancorp Inc trades at $29.01, about 3% below its 52-week high of $29.87 and 51% above the low of $19.18 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $27.63 is for.
Which stocks are comparable to Northeast Community Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Northeast Community Bancorp Inc stock attractive at the current price?
The data as of Nov 5, 2026: price $29.01, calculated fair value $27.63 (−5%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NECB calculated?
We run Northeast Community Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $27.63 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Northeast Community Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Northeast Community Bancorp Inc (NECB)?
The closing price on Nov 6, 2026 was $29.01. Our model-based fair value is $27.63, about 5% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Northeast Community Bancorp Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Northeast Community Bancorp Inc (NECB) come from?
Earnings per share at Northeast Community Bancorp Inc grew +33.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +20.0 %, EBIT margin +9.8 %, tax rate +1.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Northeast Community Bancorp Inc

How large is the market capitalisation of Northeast Community Bancorp Inc (NECB)?
The market capitalisation of Northeast Community Bancorp Inc is $393M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Northeast Community Bancorp Inc (NECB)?
The price-to-sales ratio of Northeast Community Bancorp Inc is 3.85 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Northeast Community Bancorp Inc (NECB)?
Earnings per share at Northeast Community Bancorp Inc are $3.20 (price ÷ EPS = P/E 9.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Northeast Community Bancorp Inc (NECB)?
The dividend yield of Northeast Community Bancorp Inc is 3.1% (payout 28.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Northeast Community Bancorp Inc (NECB)?
The net margin of Northeast Community Bancorp Inc is 40.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Northeast Community Bancorp Inc (NECB)?
The return on equity (ROE) of Northeast Community Bancorp Inc is 11.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Northeast Community Bancorp Inc (NECB)?
On an EBIT basis the return on assets of Northeast Community Bancorp Inc is 2.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Northeast Community Bancorp Inc (NECB)?
The operating margin of Northeast Community Bancorp Inc is 58.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Northeast Community Bancorp Inc (NECB)?
Revenue at Northeast Community Bancorp Inc is growing −3.9% versus a year earlier (3y avg +28.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Northeast Community Bancorp Inc (NECB)?
Earnings per share at Northeast Community Bancorp Inc are growing −9.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Northeast Community Bancorp Inc (NECB) generate?
The free cash flow of Northeast Community Bancorp Inc is $50.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Northeast Community Bancorp Inc (NECB) hold?
Northeast Community Bancorp Inc holds more cash than debt, $6.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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