Obermatt

Northeast Community

NAQ:NECB · US6641211007
BanksX-Small

360

96
Profit price97
Cash yield83
Price/Sales86
EV / Gross Profit69
Price/Book89
Returns on capital88
Profit margins
Cash Conversion63
Accruals37
Owner Earnings Margin94
Sales growth9
Profit Growth44
Owner Earnings Growth19
Reinvestment41
Price momentum19
Debt load64
Debt serviceability57
Liquidity95
Analyst ratings68
Opinion Changes100
Price Target Upside68
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Northeast Community clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQCM
Founded2021
Employees6
ISINUS6641211007
Last UpdateApr 2, 2026
Themes
BankingCustomer ServiceFinancial Services

Description

Northeast Community Bancorp, Inc. operates as the bank holding company for NorthEast Community Bank that provides various financial services to individuals and businesses within its market area. The bank conducts business through its branch offices…

Analysis

Hidden champion

Northeast Community Bancorp, Inc. is what we call a hidden champion: a strong business that the market is not pricing as one.

The price is attractive. You pay 7.3× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -8% yearly growth; analysts expect 2%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
98
2023202420252026

All-time high

100

Mar 2026

All-time low

41

Jan 2023

Average rank

82

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
86
45
68
47
Price/Earnings
100
97
97
60
Price/Book
89
58
52
100
Dividend Yield
83
42
16
23
Value (overall)
100
61
57
49

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →