# NorthEast Community Bancorp Inc. (NECB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $27.16, market value $374 million.

## Valuation
- **P/E (trailing): 8.7×** (5-yr avg 7.9×, 3-yr avg 6.0×). NorthEast Community Bancorp Inc. trades at 8.7× trailing earnings, close to its own five-year average of 7.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 12.9%** (5-yr avg 14.6%). Free cash flow equals 12.9% of the market value, in line with its five-year average of 14.6%. Above 5% is generally attractive.
- **Earnings yield: 11.4%**. The inverse of the P/E: 11.4% of the price is earned each year.

## Profitability
- **Return on equity: 12.6%**. 12.6% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): -7.7%** (3-yr 27.2%/yr, 5-yr 33.7%/yr). Earnings per share fell 7.7%.
- **Free-cash-flow growth (3 yr): 28.0%/yr**. Free cash flow has compounded at 28.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Cash and short-term investments: $81 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.68%** ($0.85 per share, trailing). NorthEast Community Bancorp Inc. yields 3.68%, an income-level yield.
- **Payout ratio: 30%** (29% of free cash flow). 30% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 53.4%/yr** (1-yr 69.6%). The dividend has compounded at 53.4% a year over five years, doubling roughly every 1 years at that pace.

## Price and momentum
- **Total return (1 yr): 26.1%** (YTD 23.3%, 3-mo 9.7%). The shares are up 26.1% over twelve months including dividends.
- **From 52-week high: -6.1%** (41.0% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.51** (volatility 24%). Beta of 0.51 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NECB · Page: https://foliofundamentals.com/stocks/necb

Not investment advice.