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Upturn AI SWOT - About
Northeast Community Bancorp Inc (NECB)
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Upturn Advisory Summary
06/06/2025: NECB (3-star) is a SELL. SELL since 5 days. Profits (-5.58%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $27
Year Target Price $27
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 95.71% | Avg. Invested days 70 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/06/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 297.07M USD | Price to earnings Ratio 6.78 | 1Y Target Price 25 |
Price to earnings Ratio 6.78 | 1Y Target Price 25 | ||
Volume (30-day avg) - | Beta 0.45 | 52 Weeks Range 16.54 - 31.22 | Updated Date 06/29/2025 |
52 Weeks Range 16.54 - 31.22 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.44% | Basic EPS (TTM) 3.44 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 44.32% | Operating Margin (TTM) 58.08% |
Management Effectiveness
Return on Assets (TTM) 2.43% | Return on Equity (TTM) 15.02% |
Valuation
Trailing PE 6.78 | Forward PE - | Enterprise Value 212102400 | Price to Sales(TTM) 2.85 |
Enterprise Value 212102400 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 2.93 | Enterprise Value to EBITDA - | Shares Outstanding 12727900 | Shares Floating 12052439 |
Shares Outstanding 12727900 | Shares Floating 12052439 | ||
Percent Insiders 12.97 | Percent Institutions 50.5 |
Analyst Ratings
Rating 3 | Target Price 27 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Northeast Community Bancorp Inc
Company Overview
History and Background
Northeast Community Bancorp, Inc. was formed in 2014. The company operates as the holding company for Northeast Community Bank, which provides financial services to individuals and businesses. The bank's roots trace back further through its predecessor institutions.
Core Business Areas
- Commercial Real Estate Lending: Focuses on financing commercial properties, including multi-family residences, office buildings, and retail spaces.
- Residential Mortgage Lending: Provides mortgage loans for the purchase, refinance, or construction of residential properties.
- Small Business Lending: Offers loans and lines of credit to small businesses for various purposes, such as working capital, equipment financing, and expansion.
- Retail Banking: Provides banking services to individuals, including checking accounts, savings accounts, certificates of deposit (CDs), and other deposit products.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure typically includes departments for lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial properties. Market share data for Northeast Community Bank specifically is difficult to obtain. Competitors include larger regional and national banks.
- Residential Mortgages: Provides mortgage loans. Market share data is fragmented. Competitors include national mortgage lenders and other regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions.
Positioning
Northeast Community Bancorp operates as a community bank, focusing on serving the needs of local businesses and residents.
Total Addressable Market (TAM)
The TAM for banking services is extensive, covering the entire population and businesses within the region. Northeast Community Bancorp's position is to serve a specific niche within this TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Focus on community banking
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on interest income
Opportunities
- Expansion into new markets
- Increased lending activity
- Technological advancements in banking
- Partnerships with fintech companies
Threats
- Economic downturn
- Increased competition from larger banks
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
Northeast Community Bancorp faces intense competition from larger national banks. Its advantages lie in its local focus and customer service. Its disadvantages are its limited scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be updated for the latest quarterly/annual results. Refer to the lastest SEC filings.
Future Projections: Future Projections needs to be updated for the latest quarterly/annual results. Refer to the lastest SEC filings.
Recent Initiatives: Recent initiatives need to be updated for the latest quarterly/annual results. Refer to the lastest SEC filings.
Summary
Northeast Community Bancorp is a small community bank with a strong local presence. Its strengths are customer relationships, and its focus on community banking. It faces challenges from larger competitors and regulatory burdens, but has opportunities for growth in new markets and through technological innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may not be precise.
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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