NECB Stock Analysis

Northeast Community Bancorp Inc
FINANCIAL SERVICES BANKS - REGIONAL

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Buy on the Dip
Strong Caution Mixed Weak Unavailable
StockValueFinder Grade
B-
71.77 / 100
Strong
Confidence: Very High (97.0%) Coverage: 97.0%
Business Quality 73.6
Financial Strength 45.0
Earnings & Growth 64.6
Valuation 92.7
Market Strength 86.1
The grade combines Business Quality, Financial Strength, Earnings & Growth, Valuation, and Market Strength. Rating and Trend remain separate signals.
Rating WATCHLIST
Watchlist
Interesting, but not a clean green-light setup.
Rating is the simple decision label from the screening rules.
Trend STRONG BUY TREND
Bullish
The available trend signal is constructive.
Trend shows whether price action is helping or hurting the setup.
P/E Ratio 8.93
Value-Friendly
Below 15 is a classic value screen, but not proof of a bargain.
P/E shows how much investors pay for each dollar of earnings.
ROIC 10.40%
Good
10%+ is generally a strong operating-quality signal.
ROIC measures how efficiently capital turns into profit.
Debt Payback 1.38 yrs
Strong
Under 3 years is generally a strong balance-sheet sign.
Debt payback estimates how quickly debt could be covered.
Interest Coverage 1.17x
Weak
Low coverage can make debt more risky.
Interest coverage shows how easily earnings cover interest costs.
Price $27.77
Market Price
Price alone is not a buy or sell signal.
Price should be judged with valuation, quality, and trend.
Last updated: 2026-10-25 18:50:25

Performance Overview

Trailing adjusted-close returns as of 2026-07-17. Benchmark is SPY.

YTD Return

NECB +20.38%
SPY +9.58%

1-Year Return

NECB +18.39%
SPY +19.66%

3-Year Return

NECB +91.84%
SPY +71.13%

5-Year Return

NECB +194.02%
SPY +84.41%

Returns are calculated from adjusted close prices and may differ from broker or research-site totals depending on data source, dividend handling, benchmark choice, and latest available trading date.

Legacy Screening Checks

This page uses cached SQL data from the latest StockValueFinder scan, so it loads fast without hitting Alpha Vantage on every page view.

83%
EPS Strength
PASS

Looks for positive and improving earnings per share.

ROIC 10%+
PASS

Looks for strong return on invested capital.

Interest Coverage 6+
FAIL

Checks whether operating income comfortably covers interest expense.

Debt Payback ≤ 3 Years
PASS

Checks whether free cash flow could pay down long-term debt quickly.

P/E 15 or Less
PASS

Checks whether valuation is reasonable under the current rule set.

Moving Average Trend
STRONG BUY TREND

Uses 20-day, 50-day, and 200-day moving averages for entry timing context.

A high StockValueFinder score is a research signal, not a guarantee. Strong companies can still fall during recessions, sector downturns, valuation resets, or company-specific events. Always review the business, risks, SEC filings, valuation, and your personal investment goals before buying.

Cached Technical Data

Moving average values from the latest stored scan.

20-Day MA27.29
50-Day MA26.95
200-Day MA25.34
MA Score5

Latest Published Stock Research

Research generated: October 24, 2026

NECB Stock Analysis: Why Northeast Community Bancorp Inc Scored 83% in Stock Value Finder

Northeast Community Bancorp Inc (NECB): A Comprehensive StockValueFinder Review

Northeast Community Bancorp Inc is a regional bank operating in the northeastern United States. As part of our educational series on stock analysis, this article will delve into the details provided by StockValueFinder to help you understand how to evaluate NECB from an investment perspective.

Why the StockValueFinder Score Matters StockValueFinder evaluates stocks based on various financial metrics and provides a score that reflects the overall health and attractiveness of a company. For Northeast Community Bancorp Inc, the current score is 83%, which places it in the "WATCHLIST" category. This score suggests that NECB has several positive attributes but may also have some areas for improvement.

EPS Strength and Consistency Earnings Per Share (EPS) measures how much profit a company generates per outstanding share of its stock, reflecting profitability on an individual shareholder basis. A consistent and growing EPS is crucial as it indicates the company's ability to generate revenue over time without significant fluctuations.

**StockValueFinder Result:** Passed

Since detailed historical EPS data was not provided, we can only conclude that NECB has passed this test based on its current performance. For a more thorough analysis, one would typically look at the trend of EPS over multiple years to assess consistency and growth.

ROIC and Capital Efficiency Return On Invested Capital (ROIC) is a critical metric as it measures how effectively a company uses capital to generate profits. A higher ROIC indicates better use of capital.

**StockValueFinder Result:** Passed

**Actual Value:** 10.40% - **Attractive Range:** Generally, an ROIC above 10% is considered strong. - **Risky Range:** Below 5%, the company might not be using its capital efficiently. - **Explanation:** With a ROIC of 10.40%, NECB demonstrates that it is generating returns well above the cost of capital, indicating effective use of resources.

Interest Coverage and Financial Safety Interest coverage ratio measures a company's ability to pay interest expenses on outstanding debt. A higher ratio indicates better financial health as the company can easily cover its interest payments.

**StockValueFinder Result:** Did not pass

**Attractive Range:** StockValueFinder prefers an interest coverage of 6 or higher. - **Risky Range:** Below 2, it becomes increasingly difficult for a company to meet its debt obligations. - **Explanation:** While the exact ratio was not provided, we know that NECB did not meet the criteria. This suggests potential risks in terms of financial stability and ability to manage debt.

Debt Payback and Balance Sheet Discipline Debt payback period measures how long it would take a company to repay all its outstanding debt using current earnings before interest and taxes (EBIT). A shorter period indicates better balance sheet health.

**StockValueFinder Result:** Passed

**Actual Value:** 1.38 years - **Attractive Range:** Debt payback of 3 years or less is generally preferred. - **Risky Range:** More than 5 years might indicate excessive leverage and potential liquidity issues. - **Explanation:** With a debt payback period of just 1.38 years, NECB shows strong balance sheet discipline and the ability to manage its debt effectively.

P/E Ratio and Valuation Discipline The Price-to-Earnings (P/E) ratio compares a stock's price with its earnings per share, providing insight into whether a stock is overvalued or undervalued compared to its peers.

**StockValueFinder Result:** Passed

**Actual Value:** 8.93 - **Attractive Range:** A P/E of 15 or lower can be seen as more value-oriented. - **Risky Range:** Higher than 20 might indicate overvaluation. - **Explanation:** At a P/E ratio of 8.93, NECB appears to offer good value for its earnings, making it an attractive investment from a valuation perspective.

Moving Average Trend and Entry Timing Moving averages are used by traders and analysts as technical indicators to identify trends in stock prices. A "STRONG BUY TREND" suggests that the stock is currently moving upwards based on recent price action.

**StockValueFinder Result:** - **Signal:** STRONG BUY TREND - **Entry Signal:** N/A

While a strong buy trend can be encouraging, it's important to note that this signal does not guarantee future performance. It merely indicates that the stock has been trending upward recently and may continue to do so.

Overall Financial Strengths and Weaknesses **Strengths:** - Strong ROIC of 10.40% indicating efficient use of capital. - Short debt payback period of 1.38 years, suggesting good balance sheet health. - Low P/E ratio of 8.93, making the stock appear undervalued relative to earnings.

**Weaknesses:** - Interest coverage did not pass StockValueFinder's test, indicating potential risks in meeting interest payments on debt.

Risks and Limitations

Investing in NECB involves several risks

**Interest Rate Risk:** Changes in interest rates can affect profitability for banks. - **Credit Risk:** The ability to manage loans effectively is crucial given the recent failure of interest coverage. - **Economic Downturns:** Regional economic conditions could impact loan demand and asset quality.

Educational Conclusion This review highlights how StockValueFinder evaluates companies across multiple financial metrics, providing a comprehensive view of Northeast Community Bancorp Inc's strengths and weaknesses. By understanding these metrics—EPS consistency, ROIC, interest coverage, debt payback, P/E ratio, and moving average trends—you can better assess the overall health of NECB.

Remember, this article is for research and educational purposes only. It is not personal financial advice, investment advice, or a recommendation to buy or sell any security. Always conduct your own due diligence before making investment decisions.

Research links: Yahoo Finance | Seeking Alpha | Finviz | SEC Filings

Research Attribution
Max Qwen II

Specializing in monetary economics, market incentives, and investment risk.

AI-assisted research generated October 24, 2026

30-Day Trendline Analysis

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