NECB

MKT CAP:$335M

Northeast Community Bancorp, Inc.

Market Cap

$335M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$24.57+$1.80 (+7.91%)

Apr 22, 2026

Company Details

Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money marke...

CEO

Kenneth A. Martinek

IPO Date

Jul 6, 2006

Website

www.necommunitybank.com

Key Metrics TTM

Revenue

$156M

-2.7% YoY

Net Income

$44M

EPS (Diluted)

$3.26

Free Cash Flow

$51M

Revenue / Share

$11.44

Gross Margin

65.9%

Operating Margin

39.8%

Net Margin

28.4%

FCF Margin

32.5%

P/S

2.1x

P/E

7.5x

Earnings Reports

FY 2025

Mar 13, 2026

$157M-1.6%EPS $3.25

Q4 2025

Mar 13, 2026

$39M-1.7%EPS $0.79

Q3 2025

Nov 7, 2025

$40M-5.3%EPS $0.87

Q2 2025

Aug 8, 2025

$38M-5.3%EPS $0.82

Q1 2025

May 9, 2025

$39M+2.0%EPS $0.78

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$13M	$12M	$5M
Q2 22	$15M	$14M	$7M
Q3 22	$20M	$18M	$10M
Q4 22	$25M	$21M	$13M
Q1 23	$30M	$24M	$16M
Q2 23	$32M	$24M	$16M
Q3 23	$35M	$24M	$16M
Q4 23	$39M	$26M	$17M
Q1 24	$39M	$26M	$16M
Q2 24	$40M	$26M	$18M
Q3 24	$42M	$27M	$18M
Q4 24	$40M	$24M	$14M
Q1 25	$39M	$25M	$15M
Q2 25	$38M	$25M	$15M
Q3 25	$40M	$26M	$17M
Q4 25	$39M	$26M	$16M

Valuation

Quarter	P/S	P/E
Q1 22	3.6x	15.2x
Q2 22	3.4x	13.3x
Q3 22	3.1x	9.2x
Q4 22	3.0x	8.9x
Q1 23	2.2x	6.0x
Q2 23	2.1x	5.8x
Q3 23	1.8x	5.1x
Q4 23	1.7x	4.9x
Q1 24	1.4x	4.4x
Q2 24	1.5x	4.9x
Q3 24	2.2x	7.1x
Q4 24	2.0x	6.8x
Q1 25	1.9x	6.7x
Q2 25	1.9x	6.9x
Q3 25	1.7x	6.1x
Q4 25	1.9x	6.8x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$828.0K	-$1M
Q2 22	$6M	$5M
Q3 22	$7M	$7M
Q4 22	$13M	$13M
Q1 23	$11M	$11M
Q2 23	$7M	$7M
Q3 23	$13M	$13M
Q4 23	$12M	$12M
Q1 24	$13M	$13M
Q2 24	$11M	$11M
Q3 24	$14M	$14M
Q4 24	$10M	$10M
Q1 25	$11M	$11M
Q2 25	$16M	$15M
Q3 25	$14M	$14M
Q4 25	$12M	$12M

Capital Expenditures

Quarter	CapEx
Q1 22	$2M
Q2 22	$978.0K
Q3 22	$375.0K
Q4 22	$68.0K
Q1 23	$96.0K
Q2 23	$121.0K
Q3 23	$163.0K
Q4 23	$246.0K
Q1 24	$68.0K
Q2 24	$133.0K
Q3 24	$176.0K
Q4 24	$140.0K
Q1 25	$382.0K
Q2 25	$751.0K
Q3 25	$442.0K
Q4 25	$172.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+8.7%	+6.6%
Q2 22	+23.1%	+8.6%
Q3 22	+55.6%	-16.6%
Q4 22	+88.5%	+59.7%
Q1 23	+122.2%	+61.8%
Q2 23	+110.0%	+101.6%
Q3 23	+76.2%	+89.1%
Q4 23	+52.4%	+69.2%
Q1 24	+30.5%	+63.4%
Q2 24	+25.0%	+35.6%
Q3 24	+20.5%	+31.7%
Q4 24	+3.7%	+19.1%
Q1 25	+2.0%	+9.5%
Q2 25	-5.3%	+0.6%
Q3 25	-5.3%	-5.1%
Q4 25	-1.7%	-7.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$258.0K	1.9%
Q2 22	$246.0K	1.6%
Q3 22	$271.0K	1.4%
Q4 22	$508.0K	2.0%
Q1 23	$759.0K	2.6%
Q2 23	$727.0K	2.3%
Q3 23	$773.0K	2.2%
Q4 23	$791.0K	2.1%
Q1 24	$796.0K	2.1%
Q2 24	$803.0K	2.0%
Q3 24	$955.0K	2.3%
Q4 24	$1M	3.2%
Q1 25	$998.0K	2.5%
Q2 25	$970.0K	2.5%
Q3 25	$985.0K	2.5%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$4M	$54.0K
Q2 22	$4M	$51.0K
Q3 22	$4M	$78.0K
Q4 22	$5M	$116.0K
Q1 23	$5M	$49.0K
Q2 23	$5M	$238.0K
Q3 23	$5M	$133.0K
Q4 23	$5M	$101.0K
Q1 24	$6M	$88.0K
Q2 24	$6M	$94.0K
Q3 24	$6M	$128.0K
Q4 24	$6M	$108.0K
Q1 25	$6M	$102.0K
Q2 25	$6M	$123.0K
Q3 25	$6M	$115.0K
Q4 25	$7M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$175M	$1.0K	$175M
Q2 22	$86M	$1.0K	$86M
Q3 22	$55M	$1.0K	$55M
Q4 22	$95M	$1.0K	$95M
Q1 23	$77M	$0	$77M
Q2 23	$120M	$0	$120M
Q3 23	$107M	$0	$107M
Q4 23	$69M	$0	$69M
Q1 24	$108M	$0	$108M
Q2 24	$114M	$0	$114M
Q3 24	$98M	$0	$98M
Q4 24	$78M	$0	$78M
Q1 25	$90M	$0	$90M
Q2 25	$59M	$0	$59M
Q3 25	$64M	$0	$64M
Q4 25	$10M	$0	$10M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	16M	+0.1%	-4.0%
Q2 22	16M	+0.1%	+28.7%
Q3 22	16M	-0.1%	-0.2%
Q4 22	15M	-1.3%	-1.1%
Q1 23	15M	-4.1%	-5.3%
Q2 23	15M	+0.2%	-5.2%
Q3 23	15M	+0.6%	-4.6%
Q4 23	15M	-0.3%	-3.6%
Q1 24	13M	-10.7%	-10.2%
Q2 24	13M	-0.1%	-10.5%
Q3 24	13M	+1.8%	-9.5%
Q4 24	14M	+1.2%	-8.1%
Q1 25	14M	-0.2%	+2.8%
Q2 25	14M	+0.0%	+2.9%
Q3 25	14M	0.0%	+1.1%
Q4 25	14M	+0.8%	+0.6%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$104.1K	128
Q2 22	$119.8K	128
Q3 22	$153.4K	128
Q4 22	$188.7K	134
Q1 23	$221.1K	134
Q2 23	$240.2K	134
Q3 23	$258.3K	134
Q4 23	$285.4K	135
Q1 24	$286.5K	135
Q2 24	$298.2K	135
Q3 24	$309.0K	135
Q4 24	$293.8K	136
Q1 25	$290.0K	136
Q2 25	$280.4K	136
Q3 25	$290.4K	136
Q4 25	$282.4K	139

Revenue / Employee