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 9.1× (Nov '26).
The dividend yield has fallen from 3.8% (Mar '23) to 3.3% (Nov '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?
NorthEast Community Bancorp, Inc./MD/'s P/E (TTM) is 9.55 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the NECB stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 9.1× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.