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Upturn AI SWOT - About
NECB 
Northeast Community Bancorp Inc (NECB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: NECB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $24
1 Year Target Price $24
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 82.46% | Avg. Invested days 59 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 251.30M USD | Price to earnings Ratio 6 | 1Y Target Price 24 |
Price to earnings Ratio 6 | 1Y Target Price 24 | ||
Volume (30-day avg) 1 | Beta 0.53 | 52 Weeks Range 19.22 - 30.39 | Updated Date 10/17/2025 |
52 Weeks Range 19.22 - 30.39 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.58% | Basic EPS (TTM) 3.29 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 | Forward PE - | Enterprise Value 332076480 | Price to Sales(TTM) 2.44 |
Enterprise Value 332076480 | Price to Sales(TTM) 2.44 | ||
Enterprise Value to Revenue 3.91 | Enterprise Value to EBITDA - | Shares Outstanding 12730333 | Shares Floating 12065191 |
Shares Outstanding 12730333 | Shares Floating 12065191 | ||
Percent Insiders 12.93 | Percent Institutions 51.44 |
Upturn AI SWOT
Northeast Community Bancorp Inc
Company Overview
History and Background
Northeast Community Bancorp, Inc. was founded in 1934 and operates as the holding company for Northeast Community Bank. It provides financial services in the New York metropolitan area.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Commercial Lending: Provides loans and other credit products to businesses, including commercial real estate financing.
- Wealth Management: Offers investment and wealth management services to individual clients.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure consists of various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Northeast Community Bank compete with larger national banks and regional banks that compete for the same loans in New York. No specific market share data available.
- Residential Mortgages: Mortgages for home purchases and refinancing. Competitors include national mortgage lenders and local credit unions. No specific market share data available.
- Business Loans: Financing for small and medium-sized businesses. Competitors include larger banks with more lending power and other lending institutions that offer similar products. No specific market share data available.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations and economic conditions also influence the industry.
Positioning
Northeast Community Bancorp focuses on community banking, emphasizing personalized service and local market expertise. Its competitive advantage lies in its relationship-based approach.
Total Addressable Market (TAM)
The total addressable market for banking services in the New York metropolitan area is substantial. Northeast Community Bancorp is positioned to capture a portion of this market through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-based banking model
- Experienced management team
- Customer Loyalty
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking products
- Technology adoption compared to competitors
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking technologies
- Growth in commercial lending activity
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks
- Economic downturn affecting loan quality
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- New York Community Bancorp (NYCB)
- Signature Bank (SBNY)
- Metropolitan Bank Holding Corp. (MCB)
Competitive Landscape
Northeast Community Bancorp competes with larger regional and national banks. Its advantages include its community focus and personalized service.
Major Acquisitions
NONE
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: NONE
Growth Trajectory and Initiatives
Historical Growth: Northeast Community Bancorp has experienced moderate growth in recent years, driven by organic growth and strategic initiatives.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased lending activity. Revenue forecast to grow 5-10% annually over the next few years.
Recent Initiatives: Recent initiatives include expanding its commercial lending portfolio, increasing its presence in digital banking, and managing regulatory compliance.
Summary
Northeast Community Bancorp is a community bank focusing on relationship-based service in the NY metro area. Revenue and net income have been increasing. It is smaller in scale and has weaknesses in geographic reach, technology adoption, and its reliance on traditional banking products, but it is a financially stable company with positive growth and solid shareholder returns. Competition from larger entities and economic downturn are key threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Sources
Disclaimers:
This analysis is based on available information and estimates. Actual results may vary. Market share data is approximate and subject to change. Does not constitute investment advice.
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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