Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Northeast Community Bancorp Inc(NECB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NECB
10/28/2026: NECB (3-star) is a STRONG-BUY. BUY for 12 days. Simulated Profits (3.02%). Updated daily EoD!
Northeast Community Bancorp Inc is a regional bank holding company that specializes in commercial real estate and multi-family lending. Its core strength lies in its deep-rooted local expertise and a focused lending model that has historically supported healthy net interest margins. The primary growth opportunity rests on expanding digital deposit gathering to manage funding costs effectively. Investors face risks related to concentration in real estate, broader interest rate volatility, and fierce competition from larger regional banks. This stock may suit value and dividend-oriented investors who are comfortable with the inherent cyclicality of the regional banking sector and will be watching for disciplined credit management.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is steady but limited by the nature of regional community banking. |
| Momentum investor | Weak fit | The stock typically moves with macro bank sentiment rather than high-velocity momentum. |
| Value investor | Strong fit | The company often trades at valuation multiples that appeal to value-oriented bank investors. |
| Dividend investor | Strong fit while signal remains positive | Consistent dividend payments make this a suitable income play for patient investors. |
| Low-risk investor | Mixed fit | Banking risks, particularly real estate concentration, add a layer of volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader market and sector-specific swings. |
| Valuation risk | Low | Current trading levels generally align with book value and industry norms. |
| Competition risk (Real Estate Lending) | High | Heavy competition from larger, better-capitalized institutions can pressure margins. |
| Business quality | Medium | The business model is solid but remains highly sensitive to local economic conditions. |
| Dividend income | Medium | Dividends are reliable but not typically high-growth. |
| Execution risk | Medium | Successfully navigating interest rate cycles is key to future performance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 77.15% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 392.61M USD | Price to earnings Ratio 8.91 | 1Y Target Price 30.5 |
Price to earnings Ratio 8.91 | 1Y Target Price 30.5 | ||
Volume (30-day avg) 51.6K shares | Beta 0.37 | 52 Weeks Range 18.60 - 29.26 | Updated Date 10/28/2026 |
52 Weeks Range 18.60 - 29.26 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 3.2 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Lending | Interest income from multi-family and commercial real estate loans. | This is the main engine generating profit for the bank. |
| Retail Banking | Net interest margin from consumer deposits and traditional bank services. | This provides the base funding and stability for the bank. |
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.89 | Actual 0.79 |
Profitability
Profit Margin 40.4% | Operating Margin (TTM) 58.5% |
Management Effectiveness
Return on Assets (TTM) 1.93% | Return on Equity (TTM) 11.54% |
Valuation
Trailing PE 8.91 | Forward PE 15.67 | Enterprise Value 306.53M | Price to Sales(TTM) 3.85 |
Enterprise Value 306.53M | Price to Sales(TTM) 3.85 | ||
Enterprise Value to Revenue 5.67 | Enterprise Value to EBITDA - | Shares Outstanding 13.77M | Shares Floating 12.48M |
Shares Outstanding 13.77M | Shares Floating 12.48M | ||
Percent Insiders 12.54 | Percent Institutions 57.96 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.