NorthEast Community Bancorp, Inc./MD/
NECB Nasdaq Savings Institutions, Not Federally Chartered Financials FY2020–FY2025
Revenue
Total sales reported in the income statement.
$105M
0.7%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
40.7%
3.7 pts
Net income
Profit after all expenses, interest and tax.
$44.4M
5.7%
Return on equity
Net income as a share of average shareholders' equity.
13.3%
2.5 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $3.11 EPS (TTM)
What NorthEast Community Bancorp, Inc./MD/ does
No business description yet.
- Legal name
- NorthEast Community Bancorp, Inc./MD/
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Accession · CIK
- 0001104659-26-027566
0001847398
Revenue and margins
NorthEast Community Bancorp, Inc./MD/ had $105M of revenue in fiscal 2025, down 0.7% on the year before.
FY20
Revenue $41.5M
FY21
Revenue $45.7M
FY22
Revenue $65.6M
FY23
Revenue $101M
FY24
Revenue $106M
FY25
Revenue $105M
Q3 '23
Revenue $25.4M
Q4 '23
Revenue $26.6M
Q1 '24
Revenue $25.5M
Q2 '24
Revenue $27.0M
Q3 '24
Revenue $27.6M
Q4 '24
Revenue $25.4M
Q1 '25
Revenue $25.5M
Q2 '25
Revenue $25.9M
Q3 '25
Revenue $27.0M
Q4 '25
Revenue $26.4M
Q1 '26
Revenue $24.9M
Q2 '26
Revenue $25.3M
FY20
Net interest share 93.9%
Efficiency ratio 60.4%
FY21
Net interest share 94.8%
Efficiency ratio 58.0%
FY22
Net interest share 97.4%
Efficiency ratio 46.8%
FY23
Net interest share 96.3%
Efficiency ratio 34.9%
FY24
Net interest share 97.4%
Efficiency ratio 37.0%
FY25
Net interest share 96.1%
Efficiency ratio 40.7%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 99.1%
Efficiency ratio 35.2%
Q4 '23
Net interest share 94.8%
Efficiency ratio 34.7%
Q1 '24
Net interest share 97.8%
Efficiency ratio 37.9%
Q2 '24
Net interest share 97.3%
Efficiency ratio 35.2%
Q3 '24
Net interest share 95.1%
Efficiency ratio 36.0%
Q4 '24
Net interest share 99.4%
Efficiency ratio 39.0%
Q1 '25
Net interest share 95.2%
Efficiency ratio 41.6%
Q2 '25
Net interest share 96.7%
Efficiency ratio 40.5%
Q3 '25
Net interest share 96.2%
Efficiency ratio 38.4%
Q4 '25
Net interest share 96.3%
Efficiency ratio 42.3%
Q1 '26
Net interest share 96.8%
Efficiency ratio 43.6%
Q2 '26
Net interest share 97.5%
Efficiency ratio 42.0%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2020 to 2025, diluted EPS grew 33.7% a year. Loss periods are shown in red.
FY20
Net income $12.3M
FY21
Net income $11.9M
FY22
Net income $24.8M
FY23
Net income $46.3M
FY24
Net income $47.1M
FY25
Net income $44.4M
Q3 '23
Net income $11.8M
Q4 '23
Net income $12.1M
Q1 '24
Net income $11.4M
Q2 '24
Net income $12.8M
Q3 '24
Net income $12.7M
Q4 '24
Net income $10.2M
Q1 '25
Net income $10.6M
Q2 '25
Net income $11.2M
Q3 '25
Net income $11.9M
Q4 '25
Net income $10.8M
Q1 '26
Net income $10.0M
Q2 '26
Net income $9.8M
FY20
Diluted EPS $0.76
FY21
Diluted EPS $0.75
FY22
Diluted EPS $1.58
FY23
Diluted EPS $3.32
FY24
Diluted EPS $3.52
FY25
Diluted EPS $3.25
Q3 '23
Diluted EPS $0.80
Q4 '23
Diluted EPS $1.00
Q1 '24
Diluted EPS $0.86
Q2 '24
Diluted EPS $0.97
Q3 '24
Diluted EPS $0.95
Q4 '24
Diluted EPS $0.74
Q1 '25
Diluted EPS $0.78
Q2 '25
Diluted EPS $0.82
Q3 '25
Diluted EPS $0.87
Q4 '25
Diluted EPS $0.78
Q1 '26
Diluted EPS $0.74
Q2 '26
Diluted EPS $0.72
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY20
ROE 8.0%
ROTE 8.0%
Efficiency ratio 60.4%
FY21
ROE 5.9%
ROTE 4.7%
Efficiency ratio 58.0%
FY22
ROE 9.7%
ROTE 9.5%
Efficiency ratio 46.8%
FY23
ROE 17.1%
ROTE 16.6%
Efficiency ratio 34.9%
FY24
ROE 15.8%
ROTE 14.8%
Efficiency ratio 37.0%
FY25
ROE 13.3%
ROTE 12.6%
Efficiency ratio 40.7%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
NorthEast Community Bancorp, Inc./MD/ returned $14.9M to shareholders in fiscal 2025, 29% of free cash flow. The diluted share count rose 2.2%.
FY20
Dividends $1.0M
Buybacks —
FY21
Dividends $2.3M
Buybacks —
FY22
Dividends $6.9M
Buybacks $9.3M
FY23
Dividends $3.7M
Buybacks $28.7M
FY24
Dividends $7.9M
Buybacks $3.2M
FY25
Dividends $13.3M
Buybacks $1.6M
Dividends
Buybacks
Q3 '23
Dividends $0.9M
Buybacks $8.9M
Q4 '23
Dividends $0.9M
Buybacks $5.3M
Q1 '24
Dividends $0.8M
Buybacks $1.3M
Q2 '24
Dividends $1.4M
Buybacks $1.2M
Q3 '24
Dividends $1.4M
Buybacks $0.0M
Q4 '24
Dividends $4.2M
Buybacks $0.7M
Q1 '25
Dividends $2.1M
Buybacks —
Q2 '25
Dividends $2.8M
Buybacks —
Q3 '25
Dividends $2.8M
Buybacks —
Q4 '25
Dividends $5.6M
Buybacks $1.4M
Q1 '26
Dividends $2.8M
Buybacks $3.6M
Q2 '26
Dividends $2.8M
Buybacks $1.1M
Dividends
Buybacks
FY20
Diluted shares 0.02B
FY21
Diluted shares 0.02B
FY22
Diluted shares 0.02B
FY23
Diluted shares 0.01B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY20
Loans $820M
Deposits $772M
FY21
Loans $968M
Deposits $927M
FY22
Loans $1.2B
Deposits $1.1B
FY23
Loans $1.6B
Deposits $1.4B
FY24
Loans $1.8B
Deposits $1.7B
FY25
Loans $1.9B
Deposits $1.6B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $968M | $1.2B | $1.6B | $1.8B | $1.9B |
| Deposits | $927M | $1.1B | $1.4B | $1.7B | $1.6B |
| Loans / deposits | 104.4% | 108.0% | 113.0% | 108.2% | 114.8% |
| Total assets | $1.2B | $1.4B | $1.8B | $2.0B | $2.1B |
| Shareholders' equity | $251M | $262M | $279M | $318M | $352M |
| Goodwill | $0.7M | $0.2M | $0.0M | — | — |
| Provision / loans | 0.4% | 0.0% | 0.1% | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
6 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|
| Income statement | ||||||
| Revenue | $41.5M | $45.7M | $65.6M | $101M | $106M | $105M |
| Net interest income | $39.0M | $43.3M | $63.9M | $97.2M | $103M | $101M |
| Noninterest income | $2.5M | $2.4M | $1.7M | $3.7M | $2.8M | $4.1M |
| Noninterest expense | $25.1M | $26.5M | $30.7M | $35.2M | $39.1M | $42.7M |
| Provision for credit losses | $0.8M | $3.6M | $0.4M | $1.0M | — | — |
| Interest expense | $10.0M | $5.1M | $8.1M | $35.3M | — | — |
| Pretax income | $15.6M | $15.6M | $34.4M | $64.7M | $65.8M | $62.3M |
| Income tax | $3.3M | $3.7M | $9.6M | $18.5M | $18.7M | $17.8M |
| Net income | $12.3M | $11.9M | $24.8M | $46.3M | $47.1M | $44.4M |
| Diluted EPS | $0.76 | $0.75 | $1.58 | $3.32 | $3.52 | $3.25 |
| Diluted shares | 0.02B | 0.02B | 0.02B | 0.01B | 0.01B | 0.01B |
| Cash flow | ||||||
| Cash from operations | $15.7M | $21.6M | $27.5M | $42.8M | $48.7M | $52.6M |
| Capital expenditure | $1.3M | $6.5M | $3.3M | $0.6M | $0.5M | $1.7M |
| Free cash flow | $14.4M | $15.1M | $24.2M | $42.2M | $48.2M | $50.8M |
| Depreciation and amortization | $1.1M | $1.1M | $1.2M | $1.2M | $1.2M | $1.2M |
| Share buybacks | — | — | $9.3M | $28.7M | $3.2M | $1.6M |
| Dividends paid | $1.0M | $2.3M | $6.9M | $3.7M | $7.9M | $13.3M |
| Dividends and buybacks | $1.0M | $2.3M | $16.2M | $32.4M | $11.1M | $14.9M |
| Balance sheet | ||||||
| Cash and short-term investments | $69.2M | $152M | $95.3M | $68.7M | $78.3M | $81.2M |
| Total debt | — | — | $21.0M | $64.0M | — | $70.0M |
| Finance lease liabilities | $0.5M | $0.5M | $0.5M | $0.6M | $0.6M | $0.4M |
| Loans, net | $820M | $968M | $1.2B | $1.6B | $1.8B | $1.9B |
| Deposits | $772M | $927M | $1.1B | $1.4B | $1.7B | $1.6B |
| Property and equipment, net | $18.7M | $23.9M | $26.1M | $25.5M | $24.8M | $25.4M |
| Goodwill | $0.7M | $0.7M | $0.2M | $0.0M | — | — |
| Total assets | $968M | $1.2B | $1.4B | $1.8B | $2.0B | $2.1B |
| Total liabilities | $814M | $974M | $1.2B | $1.5B | $1.7B | $1.7B |
| Shareholders' equity | $154M | $251M | $262M | $279M | $318M | $352M |
| Margins | ||||||
| Net margin | 29.7% | 26.1% | 37.9% | 45.8% | 44.6% | 42.4% |
| FCF margin | 34.7% | 33.1% | 37.0% | 41.8% | 45.6% | 48.5% |
| Net interest share of revenue | 93.9% | 94.8% | 97.4% | 96.3% | 97.4% | 96.1% |
| Efficiency ratio | 60.4% | 58.0% | 46.8% | 34.9% | 37.0% | 40.7% |
| Returns | ||||||
| Return on equity | 8.0% | 5.9% | 9.7% | 17.1% | 15.8% | 13.3% |
| Return on assets | 1.3% | 1.1% | 1.9% | 2.9% | 2.5% | 2.2% |
| Return on tangible equity | 8.0% | 4.7% | 9.5% | 16.6% | 14.8% | 12.6% |
| Growth | ||||||
| Revenue growth | — | 10.0% | 43.6% | 54.0% | 4.6% | −0.7% |
| Net income growth | — | −3.4% | 108.7% | 86.3% | 1.7% | −5.7% |
| EPS growth | — | −1.3% | 110.7% | 110.1% | 6.0% | −7.7% |
| FCF growth | — | 4.9% | 60.4% | 74.2% | 14.1% | 5.5% |
| Share count change | — | −1.8% | −0.8% | −11.4% | −4.1% | 2.2% |
| Financial health | ||||||
| Debt / equity | — | — | 0.1x | 0.2x | — | 0.2x |
| Loans / deposits | 106.2% | 104.4% | 108.0% | 113.0% | 108.2% | 114.8% |
| Provision / loans | 0.1% | 0.4% | 0.0% | 0.1% | — | — |
| Capital allocation | ||||||
| Capex / revenue | 3.0% | 14.1% | 5.0% | 0.6% | 0.5% | 1.7% |
| Payouts / FCF | 7.0% | 15.0% | 66.8% | 76.7% | 23.0% | 29.3% |
| Quality scores | ||||||
| Piotroski F-score | — | — | — | 5.0 | — | — |
| Accruals ratio | −0.3% | −0.9% | −0.2% | 0.2% | −0.1% | −0.4% |
Source: SEC EDGAR XBRL filings (CIK 0001847398). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.