Northeast Community Bancorp

NECB

Banks - Regional · Financial Services

Price

$26.51

-0.67 (-2.47%)

Market Cap

$366.7M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−13.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 15.9M (2021) → 13.7M (2025)

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 market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it inves

Winston Score History

Score breakdown

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Quality

Gross Margin

67.8%

Premium pricing power — 67.8% gross margin

Operating Margin

38.2%

Excellent — 38.2% operating margin

ROCE

3.7%

Weak — 3.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-4.8%

Shrinking sales (-4.8% YoY)

EPS YoY

-5.9%

Earnings shrinking (-5.9% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

119%

Turns 119% of profit into real cash

FCF Margin

32.9%

Converts sales into free cash efficiently (32.9%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.06

Conservative — low debt load (0.06)

Interest Cover

1.20x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

8.0x

Attractive valuation — P/E 8.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-0.1

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

3.60%

Moderate income — 3.60% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+13.3%

Dividend growing fast (13.3% YoY)

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