arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

NorthEast Community Bancorp, Inc./MD/

NECB

$29.10 ▼ -0.78 (-2.61%) at close

7 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

auto_awesome

Analytical Summary

NorthEast Community Bancorp, Inc./MD/ shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $385.9M

Dividend Yield 3.44%

Revenue Growth -0.7% ↘

Op. Margin 59.4% ↘

ROIC None

FCF / Share None

Trailing P/E 8.7x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.20

info Valuation on last close. End-of-day price, Nov 5, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$104.83M

↓ -0.7% —

Net Income Profit after all expenses

$44.41M

↓ -5.7% —

Operating Margin Operating profit as % of sales

59.4%

↓ -4.7% 98th

Long-Term Debt Long-term obligations

$70.00M

↑ +9.4% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.00 Latest / share

+53.8% YoY

+53.5% 5-yr CAGR

FY 2019

FY 2020

$0.18

FY 2021

$0.42

FY 2022

$0.24

FY 2023

$0.65

FY 2024

$1.00

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	54.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+799%)	43.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+626%)	10.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+66%)	—	—
EPS Growth YoY (%)	-6.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	106.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	114.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-1.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-5.7% Weak ↓ Weak Declining Year-over-year change in net income	1.7% Caution ↓ Caution Declining Year-over-year change in net income	86.3% Excellent ↑ Excellent Improving Year-over-year change in net income	108.7% Excellent Excellent Year-over-year change in net income	-3.4% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	16.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.2% Excellent Excellent Compound annual revenue growth over 3 years	34.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	20.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	27.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	68.4% Excellent Excellent Compound annual EPS growth over 3 years	63.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	59.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+138%)	62.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+149%)	64.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+157%)	52.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+110%)	34.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	37.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	—
Effective Tax Rate (%) (%)	28.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	42.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	44.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	45.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+108%)	37.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	26.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	29.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	12.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	14.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	16.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+38%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	4.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	8.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Debt to Equity (x)	0.20x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	—	0.23x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.08x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$7.90	$8.04	$7.25	$4.25	$2.88	$2.57	—
Basic EPS, GAAP (USD)	$3.35	$3.58	$3.32	$1.61	$0.75	$0.76	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.00	$0.65	$0.24	$0.42	$0.18	—	—
Book Value per Share (USD)	$25.19	$22.71	$19.75	$16.32	$15.35	$9.41	—
Tangible Book Value per Share (USD)	$25.19	$22.71	$19.75	$16.31	$15.31	$9.37	—
Basic Weighted Avg Shares (shares)	13.26M	13.14M	13.93M	15.43M	15.85M	16.15M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$70.00M	—	$64.00M	$21.00M	—	—	—
Total Equity (USD)	$351.70M	$318.34M	$279.32M	$261.99M	$251.38M	$153.82M	$142.11M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$104.83M	$105.58M	$100.93M	$65.56M	$45.66M	$41.51M	—
Depreciation Expense (USD)	$1.17M	$1.19M	$1.22M	$1.25M	$1.12M	$1.07M	—
Net Income, GAAP (USD)	$44.41M	$47.07M	$46.28M	$24.84M	$11.90M	$12.33M	—
Operating Cash Flow (USD)	$52.59M	$48.69M	$42.84M	$27.54M	$21.56M	$15.66M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	4.9%	5.1%	5.5%	4.5%	3.5%	4.0%	—
Efficiency Ratio (%) (%)	40.7%	37.0%	34.9%	46.8%	58.0%	60.4%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 7 years · 27 quarters

NorthEast Community Bancorp, Inc./MD/

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare NECB with peers