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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Northeast Community Bancorp Inc
NECB · USThe stock costs about what our calculation considers fair.
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Price vs Fair Value
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
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
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
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Compare Northeast Community Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
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
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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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Frequently asked questions
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Key figures of Northeast Community Bancorp Inc
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