NECB
Northeast Community Bancorp, Inc.Financial Services·Banks - Regional
$24.24
$335M market cap
Revenue
$76.0M
Free Cash Flow
$22.1M
Rev Growth
+0.0%
FCF Margin
29.1%
P/FCF
15.2x
EV/FCF
15.7x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. 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 inves
2-Year Price History
$23.99+53.0%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 36.8 | 14.1 | 14.1 | 10.0 | 10.4 | 10.3 | -0.1 | 14.0 | 25.1 | 13.5 | 28.0% | 1.2x | -- |
| Act | 2025-Q4 | 39.3 | 15.6 | 15.6 | 10.8 | 12.0 | 11.8 | -0.2 | 10.5 | 80.0 | 13.7 | 22.3% | 1.2x | -- |
Valuation & Metrics
Market Stats
Price$24.24
Market Cap$335M
Enterprise Value$346M
P/S Ratio4.4x
P/FCF15.2x
EV/FCF15.7x
FCF Margin (TTM)29.1%
FCF Yield6.6%
Dividend Yield (TTM)5.8%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$76.0M
Net Income$20.8M
Free Cash Flow$22.1M
Revenue Growth (YoY)+0.0%
EBITDA Margin39.0%
Net Margin27.3%
FCF Margin29.1%
CapEx % of Revenue0.4%
SBC % of Revenue0.0%
ROIC25.1%
WC Change % Rev19.4%
Interest Coverage1.2x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover2.2
Change (vs Prior)-6.9%
Need at least 2 settlement dates for chart
Employees
Headcount136
Revenue / Employee$558,941
Gross Profit / Employee$377,794
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
26.5%(-0.1% YoY)
110 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
22.0%(+1.5% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.2%(-0.2% YoY)
4 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $27.5M | $24.43 | −$598K | −$1.1M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $12.1M | $23.60 | +$12.0M | +$12.1M | — | $4.04T |
| DIMENSIONAL FUND ADVISORS LPPassive | $11.1M | $19.03 | +$606K | +$2.2M | -0.4% | $480.92B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $9.4M | $15.32 | +$17K | +$2.3M | +2.3% | $1.61T |
| ACADIAN ASSET MANAGEMENT LLC | $7.8M | $18.13 | +$835K | +$1.1M | -0.5% | $70.48B |
| STATE STREET CORPPassive | $6.8M | $16.96 | −$82K | +$254K | -0.2% | $2.89T |
| LSV ASSET MANAGEMENT | $6.6M | $18.95 | −$252K | +$1.1M | +0.0% | $46.40B |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $5.9M | $13.43 | +$0 | +$0 | +0.1% | $184.72B |
| RENAISSANCE TECHNOLOGIES LLC | $4.2M | $17.75 | +$675K | −$205K | +1.2% | $63.91B |
| Connor, Clark & Lunn Investment Management Ltd. | $4.0M | $19.10 | +$0 | −$80K | +0.6% | $43.38B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.5M | $15.13 | +$326K | +$570K | -2.3% | $4.93B |
| NORTHERN TRUST CORPPassive | $3.1M | $16.39 | +$96K | +$374K | -0.2% | $755.34B |
| MORGAN STANLEY | $2.8M | $19.24 | +$467K | +$947K | -0.3% | $1.65T |
| Stilwell Value LLC | $2.6M | $14.46 | +$0 | +$0 | -0.4% | $96.1M |
| MANGROVE PARTNERS | $2.4M | $16.63 | +$0 | +$248K | +1.6% | $1.23B |
| SEGALL BRYANT & HAMILL, LLC | $2.4M | $17.71 | −$9K | +$83K | -0.1% | $8.06B |
| Empowered Funds, LLC | $2.3M | $17.84 | +$421K | +$666K | +0.2% | $15.64B |
| Qube Research & Technologies Ltd | $2.2M | $18.61 | −$68K | +$922K | +0.3% | $70.36B |
| AQR CAPITAL MANAGEMENT LLC | $2.1M | $22.58 | +$1.0M | +$267K | -0.2% | $218.19B |
| AMERIPRISE FINANCIAL INC | $2.0M | $24.07 | −$61K | +$101K | -0.1% | $430.96B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.09%
avg per quarter
Holders (ex-self)
-0.10%
excl. this stock
Buyers (this Q)
+0.04%
55 buyers · $0.03B in
Sellers (this Q)
-0.19%
40 sellers · $0.00B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+5.4%
how holders react when this stock falls
On quiet Qs
+6.6%
−10% to +10% baseline
On rallies (+10%+)
-3.1%
how they react when this stock rises
Holders' portfolio flow this Q
+3.9%
inflows — adds are organic
Sellers' portfolio flow this Q
+1.1%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-5.2%
Holder mid (any stock)
-4.1%
Holder rally (any stock)
-5.8%
Biggest decreases this quarter
MARSHALL WACE, LLPexited−$1.1MBlack Maple Capital Management LPexited−$687KBlackRock, Inc.−$598Kα-0.2LSV ASSET MANAGEMENT−$252Kα+0.0Brendel Financial Advisors LLCexited−$233KSTATE STREET CORP−$82Kα-0.2Qube Research & Technologies Ltd−$68Kα+0.3AMERIPRISE FINANCIAL INC−$61Kα-0.1SEGALL BRYANT & HAMILL, LLC−$9Kα-0.1AMALGAMATED BANKexited−$9K
New buyers this quarter
Top-5 holders · 41.7%
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
DIMENSIONAL FUND ADVISORS LP--
GEODE CAPITAL MANAGEMENT, LLC--
ACADIAN ASSET MANAGEMENT LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
M3F, Inc.—ACADIAN ASSET MANAGEMENT LLC327KStilwell Value LLC110KLSV ASSET MANAGEMENT276KARROWSTREET CAPITAL, LIMITED PARTNERSHIP247KRENAISSANCE TECHNOLOGIES LLC176KInvesco Ltd.16KHOTCHKIS & WILEY CAPITAL MANAGEMENT LLC68KConnor, Clark & Lunn Investment Management Ltd.167KMILLENNIUM MANAGEMENT LLC39K
Analyst Coverage
Analyst Coverage
Analyst Ratings
1
Hold: 1Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$496K
8 txns · 6 insiders · 22,007 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-03-12 | SELL | Cirillo Charles Michael | director | 3,566 | $22.94 | $82K | $133K |
| 2026-03-05 | SELL | McKenzie John F | director | 3,000 | $23.85 | $72K | $388K |
| 2025-12-12 | SELL | Hom Donald S | officer: EVP and CFO | 2,000 | $23.76 | $48K | $183K |
| 2025-12-11 | SELL | Cavanaugh Diane B | director | 1,000 | $23.60 | $24K | $156K |
| 2025-12-11 | SELL | Martinek Charles A | director | 2,000 | $23.47 | $47K | $12K |
| 2025-10-28 | SELL | Hom Donald S | officer: EVP and CFO | 4,000 | $20.19 | $81K | $116K |
| 2025-08-26 | SELL | Collazo Jose M | director, officer: President and COO | 5,441 | $22.33 | $121K | $209K |
| 2025-08-13 | SELL | Hom Donald S | officer: EVP and CFO | 1,000 | $22.05 | $22K | $171K |
Order Flow (FINRA, ~3w lag)
8.6%retail+1.8pp
28.8%dark+0.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
NORTHEAST COMMUNITY BANCORP, INC.: Standard administrative reporting mask for a regional EGC bank
Overall Risk
3/10
Fraud
2/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
3/10
Hidden Liabilities
3/10
Legal
2/10
Audit Warnings
1/10
Hidden Upside
2/10
Contextually Acceptable
10/10