NorthEast Community Bancorp, Inc./MD/
NECB Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 23, 2026
$27.77
KIRA · Stoqly’s AI analyst, in plain words
- NorthEast Community Bancorp, Inc./MD/ had $105M of revenue in fiscal 2025, down 0.7% on the year before. Over five years, revenue changed +20.4% a year on average.
- NorthEast Community Bancorp, Inc./MD/ made $44.4M of net profit in fiscal 2025. From fiscal 2020 to 2025, diluted EPS grew 33.7% a year.
- 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%.
- It earned 13.3% on shareholders’ money. Running costs took 40.7% of revenue (the efficiency ratio; lower is better).
Market cap
$376M
P/E
8.9x
Revenue
$105M
Net income
$44.4M
Return on equity
13.3%
Efficiency ratio
40.7%
NorthEast Community Bancorp, Inc./MD/ in 30 seconds · fiscal 2025
Are sales growing?
−0.7%
No. Sales fell 0.7% last year.
Does it make a profit?
42.4%
Yes. It keeps 42.4% of every sale as profit.
How lean are its costs?
40.7%
Lean. Running costs take 40.7% of revenue.
How much does it earn on its capital?
13.3%
Good. It earns 13.3% a year on shareholders’ money.
How is the share priced?
8.9x
One share costs 8.9 times its yearly profit per share.
What NorthEast Community Bancorp, Inc./MD/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- NorthEast Community Bancorp, Inc./MD/
- CIK
- 0001847398
NorthEast Community Bancorp, Inc./MD/ · NECB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $45.7M | $65.6M | $101M | $106M | $105M |
| Revenue growth | 10.0% | 43.6% | 54.0% | 4.6% | −0.7% |
| Net interest income | $43.3M | $63.9M | $97.2M | $103M | $101M |
| Net income | $11.9M | $24.8M | $46.3M | $47.1M | $44.4M |
| Net margin | 26.1% | 37.9% | 45.8% | 44.6% | 42.4% |
| Diluted EPS | $0.75 | $1.58 | $3.32 | $3.52 | $3.25 |
| Cash | |||||
| Cash from operations | $21.6M | $27.5M | $42.8M | $48.7M | $52.6M |
| Capital expenditure | $6.5M | $3.3M | $0.6M | $0.5M | $1.7M |
| Free cash flow | $15.1M | $24.2M | $42.2M | $48.2M | $50.8M |
| FCF margin | 33.1% | 37.0% | 41.8% | 45.6% | 48.5% |
| Dividends paid | $2.3M | $6.9M | $3.7M | $7.9M | $13.3M |
| Share buybacks | — | $9.3M | $28.7M | $3.2M | $1.6M |
| Share count change | −1.8% | −0.8% | −11.4% | −4.1% | 2.2% |
| Debt and strength | |||||
| Cash and short-term investments | $152M | $95.3M | $68.7M | $78.3M | $81.2M |
| Debt incl. finance leases | — | $21.5M | $64.6M | — | $70.4M |
| Loans, net | $968M | $1.2B | $1.6B | $1.8B | $1.9B |
| Deposits | $927M | $1.1B | $1.4B | $1.7B | $1.6B |
| Shareholders' equity | $251M | $262M | $279M | $318M | $352M |
| Returns and quality | |||||
| Return on equity | 5.9% | 9.7% | 17.1% | 15.8% | 13.3% |
| Return on tangible equity | 4.7% | 9.5% | 16.6% | 14.8% | 12.6% |
| Efficiency ratio | 58.0% | 46.8% | 34.9% | 37.0% | 40.7% |
| Piotroski F-score | — | — | 5 | — | — |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.4M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
NorthEast Community Bancorp, Inc./MD/ · NECB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $27.77 a share, the company is worth $376M: 8.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001847398). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.