NECB Financials NorthEast Community Bancorp, Inc./MD/
6 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Free cash flow has grown 28.7% per year over the past 5 years.
Financial health
The company holds more cash ($81M) than total debt ($70M).
Shareholder returns
Dividends have been paid for 6 consecutive years, consuming 30.0% of earnings and 26.2% of free cash flow.
The dividend has grown 67.6% per year over the past 5 years.
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
—
$44M
—
—
12.6%
2.2%
$51M
$70M
$81M
2024
—
$47M
—
—
14.8%
2.3%
$48M
—
$78M
2023
—
$46M
—
—
16.6%
2.6%
$42M
$64M
$69M
2022
—
$25M
—
—
9.5%
1.7%
$24M
$21M
$95M
2021
—
$12M
—
—
4.7%
1.0%
$15M
—
$152M
2020
—
$12M
—
—
8.0%
1.3%
$14M
—
$69M
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$10M
—
—
2.7%
0.5%
$13M
$190M
$73M
Mar '26
—
$10M
—
—
2.8%
0.5%
$10M
$20M
$76M
Dec '25
—
$11M
—
—
3.1%
0.5%
$12M
$70M
$81M
Sep '25
—
$12M
—
—
3.4%
0.6%
$14M
$170M
$64M
Jun '25
—
$11M
—
—
3.3%
0.6%
$15M
$135M
$59M
Mar '25
—
$11M
—
—
3.2%
0.5%
$11M
—
$89M
Dec '24
—
$10M
—
—
3.2%
0.5%
$10M
—
$78M
Sep '24
—
$13M
—
—
4.1%
0.6%
$14M
$7M
$98M
Jun '24
—
$13M
—
—
4.3%
0.7%
$11M
$47M
$114M
Mar '24
—
$11M
—
—
3.9%
0.6%
$13M
$47M
$107M
Dec '23
—
$12M
—
—
4.3%
0.7%
$12M
$64M
$69M
Sep '23
—
$12M
—
—
4.3%
0.7%
$13M
$64M
$107M
Jun '23
—
$11M
—
—
4.1%
0.7%
$7M
—
$120M
Mar '23
—
$11M
—
—
4.3%
0.7%
$11M
—
$77M
Dec '22
—
$8M
—
—
3.2%
0.6%
$13M
$21M
$95M
Sep '22
—
$8M
—
—
2.9%
0.6%
$7M
—
$55M
Jun '22
—
$5M
—
—
2.1%
0.4%
$5M
—
$86M
Mar '22
—
$4M
—
—
1.4%
0.3%
-$1M
—
$175M
Dec '21
—
$4M
—
—
1.7%
0.3%
$8M
—
$152M
Sep '21
—
$730000
—
—
0.3%
0.1%
$5M
—
$108M
Valuation over time
How the market has priced NECB against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 7.3× (Mar '23) to 8.3× (Sep '26).
The dividend yield has fallen from 3.8% (Mar '23) to 3.6% (Sep '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is NECB growing its revenue and profit?
See the revenue and net-income charts above for NorthEast Community Bancorp, Inc./MD/'s multi-year trend.
How much debt does NECB have?
As of FY2025, NorthEast Community Bancorp, Inc./MD/ reported $70M of total debt against $81M of cash.
What is NECB's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is NECB's P/E ratio?
As of Sep '26, NorthEast Community Bancorp, Inc./MD/ traded at a price-to-earnings ratio of about 8.3× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.