What is Northeast Community Bancorp, Inc.'s (NECB) StockRank?

MoatMap's StockRank for Northeast Community Bancorp, Inc. (NECB) is 71/100, with a Buy signal. This is a composite score combining Quality (53), Value (63), and Momentum (49) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Northeast Community Bancorp, Inc. have an economic moat?

Northeast Community Bancorp, Inc. (NECB) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Northeast Community Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Northeast Community Bancorp, Inc. (NECB) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Northeast Community Bancorp, Inc. in?

Northeast Community Bancorp, Inc. (NECB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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NECB

BuyUnloved Quality

Northeast Community Bancorp, Inc. · Financial Services · United States · $364M · Avg Vol: $1M/d

StockRank

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P/E (TTM)

8.7x

ROE

12.1%

D/E

0.2x

Dividend %

3.2%

COMPANY DESCRIPTION

Northeast Community Bancorp is the holding company for Northeast Community Bank, a federally chartered savings bank operating in New York and Massachusetts. The bank specializes in multi-family residential construction lending, particularly for affordable housing developments in the metropolitan New York area. Its competitive moat is built on deep local market expertise, conservative underwriting standards, and a highly specialized niche in construction finance.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	65.5M	101.0M	105.6M	104.8M	17.0%	103.1M	106.0M	114.3M	4.4%
EPS	1.61	3.32	3.64	3.35	27.7%	3.11	3.29	3.71	5.3%
Shares	16.0M	12.8M	12.7M	13.4M	-16.2%	13.8M	—	—	—
Debt	23.9M	69.2M	4.7M	75.2M	46.6%	194.9M	—	—	—
Equity	262.0M	279.3M	318.3M	351.7M	10.3%	—	—	—	—
Op CF	27.5M	42.8M	48.7M	52.6M	24.1%	49.3M	—	—	—
Inv CF	-256.6M	-357.8M	-234.0M	-52.0M	—	—	—	—	—
Fin CF	172.1M	288.4M	194.9M	2.4M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-1.0%

SMA 50SMA 200

$26.79

RSI (14)

59.6

52W High

$28.68

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.1%*57.5

ROE

12.1%61.6

GP/Assets

5.0%N/A

Op. Margin

56.5%76.0

FCF/Assets

2.5%N/A

Piotroski

321.0

Int. Cover

—50.0

D/E Ratio

0.21xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

8.7x75.2

EV/EBITDA

bankN/A

P/FCF

7.2xN/A

P/B

0.9x68.8

P/S

3.6x50.3

Div Yield

3.2%43.7

Momentum

52W High %

93%62.5

RS 6M

5%63.5

SMA 50/200

1.10x72.7

EPS Rev 4W

0.0%27.7

EPS Rev 12W

-1.4%25.5

EPS Improve

+15%42.0

Q Growth

-12%18.8

FUNDAMENTALS

Market Cap

$364M

P/E (Forward)

7.6x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NECB are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
NECB	Northeast Community Bancorp, Inc.(you)	$364M	71	Buy
FVCB	FVCBankcorp, Inc.	$329M	71	Buy
PCB	PCB Bancorp	$386M	69	Buy
NEWT	NewtekOne, Inc.	$344M	73	Buy
PLBC	Plumas Bancorp	$430M	71	Buy
FCCO	First Community Corporation	$316M	69	Buy
FUNC	First United Corporation	$279M	71	Buy
WTBA	West Bancorporation, Inc.	$485M	70	Buy
ATLO	Ames National Corporation	$280M	72	Buy
WSBF	Waterstone Financial, Inc.	$379M	65	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Northeast Community Bancorp, Inc. (NECB): Stock Score Summary

Northeast Community Bancorp, Inc. (NECB) has a MoatMap StockRank of 71/100 based on Quality (53/100), Value (63/100), and Momentum (49/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price	$26.79
Market Cap	$364M
P/E (TTM)	8.73
P/E (Forward)	7.61
Price/Book	0.93
Return on Equity	12.1%
Debt/Equity	0.21x
Operating Margin	56.5%
Revenue Growth	-5.8%
Dividend Yield	3.2%
Free Cash Flow	$51M

Northeast Community Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Northeast Community Bancorp, Inc.’s (NECB) StockRank?: MoatMap’s StockRank for Northeast Community Bancorp, Inc. (NECB) is 71/100, with a Buy signal. It is a composite of Quality (53), Value (63), and Momentum (49) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Northeast Community Bancorp, Inc. have an economic moat?: Northeast Community Bancorp, Inc. (NECB) has a Quality factor score of 53/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Northeast Community Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for Northeast Community Bancorp, Inc. (NECB) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Northeast Community Bancorp, Inc. in?: Northeast Community Bancorp, Inc. (NECB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).