NECBNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
NorthEast Community Bancorp, Inc./MD/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$27.34−0.29 (-1.05%)
Close on Oct 19, 2026
- Market cap
- $370.13M
- P/E (TTM)
- 8.8
- Dividend yield
- 3.66%
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
42.4%+12.7 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -0.7% | +16.9% | +20.4% | – | |
| Net income | -5.7% | +21.4% | +29.2% | – | |
| EPS, diluted | -7.7% | +27.2% | +33.7% | – | |
| Free cash flow | +5.5% | +28.0% | +28.7% | – | |
| Dividend per share | +53.8% | +33.5% | – | – |
Returns and balance sheet
7 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 8.3% | 13.3% | |
| Return on assets | – | – | 2.2% | |
| Capex to revenue | – | 3.0% | 1.7% | |
| Diluted shares | – | 16M | 14M |
Where the cash went
Fiscal 2021 to 2025, five years combined
NorthEast Community Bancorp generated $193.20M from operations and spent $89.42M on capital expenditure, dividends and share buybacks. 14% of that went back into the business.
Generated
$193.20M
Used
$89.42M
Capital expenditure$12.65M14%Dividends$33.96M38%Share buybacks$42.81M48%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin42.4%
×Asset turnover0.05×
×Equity multiplier6.08×
=Return on equity, FY202513.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 42.4% | 0.05× | 6.08× | 13.3% |
| FY2024 | 44.6% | 0.06× | 6.31× | 15.8% |
| FY2023 | 45.8% | 0.06× | 5.89× | 17.1% |
| FY2022 | 37.9% | 0.05× | 5.16× | 9.7% |
| FY2021 | 26.1% | 0.04× | 5.41× | 5.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$44.41M
- Cash generatingOperating cash flow above zero$52.59M
- Return on assets improvedROA up on the prior year2.7% → 2.2%
- Earnings backed by cashOperating cash flow above net income$52.59M vs $44.41M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise13M → 14M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.06 → 0.05