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Upturn AI SWOT - About
Northeast Community Bancorp Inc (NECB)
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Upturn Advisory Summary
08/14/2025: NECB (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $25
1 Year Target Price $25
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 82.7% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 276.25M USD | Price to earnings Ratio 6.6 | 1Y Target Price 25 |
Price to earnings Ratio 6.6 | 1Y Target Price 25 | ||
Volume (30-day avg) 1 | Beta 0.45 | 52 Weeks Range 19.59 - 30.97 | Updated Date 08/14/2025 |
52 Weeks Range 19.59 - 30.97 | Updated Date 08/14/2025 | ||
Dividends yield (FY) 3.20% | Basic EPS (TTM) 3.29 |
Earnings Date
Report Date 2025-07-24 | When After Market | Estimate 0.79 | Actual 0.82 |
Profitability
Profit Margin 43.28% | Operating Margin (TTM) 60.43% |
Management Effectiveness
Return on Assets (TTM) 2.29% | Return on Equity (TTM) 14.02% |
Valuation
Trailing PE 6.6 | Forward PE - | Enterprise Value 357040640 | Price to Sales(TTM) 2.68 |
Enterprise Value 357040640 | Price to Sales(TTM) 2.68 | ||
Enterprise Value to Revenue 4.13 | Enterprise Value to EBITDA - | Shares Outstanding 12730300 | Shares Floating 12059842 |
Shares Outstanding 12730300 | Shares Floating 12059842 | ||
Percent Insiders 12.97 | Percent Institutions 51.82 |
Upturn AI SWOT
Northeast Community Bancorp Inc
Company Overview
History and Background
Northeast Community Bancorp Inc. was founded in 1934 as Northeast Federal Savings and Loan Association. It has evolved from a traditional savings and loan institution to a community-focused bank offering a range of financial services.
Core Business Areas
- Commercial Lending: Provides commercial real estate loans, commercial and industrial loans, and construction loans to businesses of various sizes.
- Retail Banking: Offers deposit accounts, including checking, savings, and money market accounts, as well as residential mortgage loans and consumer loans to individuals and families.
Leadership and Structure
The leadership team consists of the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other senior executives. The organizational structure includes various departments such as lending, retail banking, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provide financing for the acquisition, development, or refinancing of commercial properties. Competitors include larger regional and national banks. Revenue from commercial real estate loans is a significant portion of the bank's income; however, specific market share data is not publicly available
- Residential Mortgages: Offer mortgage loans to individuals for the purchase or refinance of homes. Competitors include mortgage companies and larger banks. Specific market share data is not publicly available but is part of the larger mortgage lending industry.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks play a vital role in supporting local economies.
Positioning
Northeast Community Bancorp Inc. focuses on providing personalized service and building relationships with customers in its local market. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking is significant, encompassing a substantial portion of the US banking sector. Northeast Community Bancorp Inc is positioned to capture a portion of this market by focusing on relationship-based banking and local expertise.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Higher operating costs compared to online-only banks
- Less advanced tech infrastructure
Opportunities
- Expansion into new markets within its region
- Increased demand for community banking services
- Adoption of new technologies to improve efficiency
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- MTB
- CBSH
- FCNCA
Competitive Landscape
Northeast Community Bancorp Inc faces competition from larger regional and national banks, as well as other community banks. Its competitive advantage lies in its local market knowledge and customer relationships. The larger competitors offer broader services and branch networks, while other community banks may have stronger niches in specific lending areas.
Growth Trajectory and Initiatives
Historical Growth: Requires Real-time Data Feeds
Future Projections: Requires Real-time Data Feeds
Recent Initiatives: Requires Real-time Data Feeds
Summary
Northeast Community Bancorp Inc. is a community-focused bank with strengths in local market knowledge and customer service. Its growth potential is limited by its smaller size and geographic reach compared to larger banks. Future success depends on its ability to adapt to changing market conditions and leverage technology to improve efficiency. Economic downturns and increased competition pose significant threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Northeast Community Bancorp Inc
Exchange NASDAQ | Headquaters White Plains, NY, United States | ||
IPO Launch date 2006-07-06 | Chairman & CEO Mr. Kenneth A. Martinek | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 136 | Website https://www.necommunitybank.com |
Full time employees 136 | Website https://www.necommunitybank.com | ||
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposits, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts, as well as certificates of deposits. 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 invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and state and municipal governments. Further, the company offers life insurance products and fixed rate annuities. It operates full service branches located in Bronx, New York, Orange, Rockland, and Sullivan Counties in New York, Essex, Middlesex, and Norfolk Counties in Massachusetts; and loan production offices located in White Plains, New York, and New City counties in New York, Danvers, and Massachusetts. Northeast Community Bancorp, Inc. was founded in 1934 and is headquartered in White Plains, New York.
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