NORTHEAST COMMUNITY BANCORP INC (NECB)
Financials · regional banking · NASDAQ
A community bank focused on construction and multi-family real estate lending in the New York Metropolitan Area.
What NORTHEAST COMMUNITY BANCORP INC does
NorthEast Community Bancorp, Inc. is a community-oriented financial institution that operates through its subsidiary, NorthEast Community Bank. The company specializes in real estate lending, particularly construction loans for residential and multi-family projects, and offers a range of deposit products, including money market and savings accounts. Its primary operations are concentrated within the New York Metropolitan Area.
Recent developments
For the six months ended June 30, 2026, the company reported net income of $19.7 million. The company continues to see strong growth in construction loan commitments, which increased approximately 38.9% compared to the second quarter of 2025.
From NORTHEAST COMMUNITY BANCORP INC's filing of 2026-08-07.
Themes: construction lending, real estate finance, community banking, New York real estate market
Fundamentals
- Price$27.41 as of 2026-10-08 close
- Market cap$377M as of 2026-08-05 (share count; price 2026-10-08)
- 1-year return+33.7% 2025-10-08 close $20.50 → 2026-10-08 close $27.41
- P/E8.80 as of 2026-10-08
- ROE+12.6% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Beta0.70 as of 2026-09-03
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.7%; 3-year non-decreasing per-share dividend streak (SEC XBRL).
How NECB compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, NECB's dividend was covered by reported results (earnings payout 30%, free-cash-flow payout 26%). This describes past coverage, not a forecast.
- Earnings payout30% dividends / net income
- Free-cash-flow payout26% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How NORTHEAST COMMUNITY BANCORP INC looks technically
NORTHEAST COMMUNITY BANCORP INC (NECB) is trading 9.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 179 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-07-28, pushing above its recent trading range. It is 4.9% below its 52-week high (its highest price of the past year).
Trend
7
| Distance from the 200-day | it is trading 9.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +9.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $26.74 | $26.74 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $25.03 | $25.03 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 179 trading days ago — a "golden cross", a bullish long-term signal | 179 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend) | 13.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30) | 60.5 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($25.63 to $27.67) — its "stochastic" reading is 87 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 87.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $28.83 | $28.83 |
|---|---|---|
| From the 52-week high | it is 4.9% below its 52-week high (its highest price of the past year) | -4.9% |
| Above the 52-week low | it is 42.2% above its 52-week low (its lowest price of the past year) | +42.2% |
| Below the 52-week high | it is 4.9% below its highest point of the past year | 4.9% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-07-28, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $31.72 (set on 2024-11-25) | $31.72 |
| Given back of the 52-week move | over the past year its closes ranged ($19.51 to $28.32), and it has given back only a small part of its rise from last year’s low — 10% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.59 to $22.88. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 10.3% |
| From the all-time high | it is 13.6% below its all-time high | -13.6% |
| Nearest price level | it is sitting right on a resistance level at $27.52 — a price it turned at three times since 2026-07-28, most recently on 2026-09-17. Since 2024-10-08 it has 9 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.4% |
| All-time low | its lowest closing price on record is $3.28 (set on 2010-07-12) | $3.28 |
| Above the all-time low | it is 734.8% above its all-time low | +734.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 37th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.5995 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.5995 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $26.06 and $27.59 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $26.06 – $26.82 – $27.59 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 4.0 daily ranges above its 200-day average price (9.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.0 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.33× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a bearish engulfing | 3 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 3 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.5% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.5% |
|---|---|---|
| Gap filled | a 2.1% gap up opened on 2026-08-11 has been "filled" 41 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 41 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +3.39% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.5 percentage points (the stock gained 2.5% while the market gained 1.0%) | +1.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 1.6 percentage points (the stock gained 5.4% while the market gained 3.8%) | +1.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 3.7 percentage points (the stock gained 13.7% while the market gained 17.5%) | -3.7% |
| vs market, 12 months | over the past 12 months this stock beat the market by 18.7 percentage points (the stock gained 33.7% while the market gained 15.0%) | +18.7% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.9% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.1% of the share price. | +0.9% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 9% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $25.18 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +8.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% above the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $26.76 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | +2.4% |
Rectangle, either side — broke out · entry $27.23 · 64 sessions in
Descending triangle, either side — broke out · entry $26.95 · 69 sessions in
Price levels it has turned at before
NECB last closed at $27.41 on 2026-10-08. Since 2024-10-08 it has turned at 9 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $27.52 | Resistance | 0.4% above the last close | turned there three times · 2026-07-28 to 2026-09-17 |
| $28.77 | Resistance | 5.0% above the last close | turned there three times · 2024-10-21 to 2026-06-26 |
| $25.70 | Support | 6.2% below the last close | turned there 9 times · 2025-01-27 to 2026-10-01 |
| $24.79 | Support | 9.6% below the last close | turned there six times · 2024-11-04 to 2026-05-07 |
| $23.93 | Support | 12.7% below the last close | turned there 8 times · 2024-12-19 to 2026-01-22 |
| $31.60 | Resistance | 15.3% above the last close | turned there twice · 2024-11-13 to 2024-11-25 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke out to a new 20-day high · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · At the top of its 14-day range (stochastic above 80) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$29.75 range $29.50 – $30.00
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for NECB
- Consensus EPS estimate$0.82 next reporting period, as of 2026-10-04
- Estimate change, 30 days$0.00 (0.0%) from $0.82, on 2026-08-29, 36-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to changes in market interest rates affecting interest margins and loan demand.","Concentration risk in construction lending within the New York Metropolitan Area.","Regulatory and policy changes affecting the real estate and banking sectors in New York."]
What changed in the latest 10-Q
AI-assisted comparison of NECB's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to Form 10-K for fiscal year ended December 31, 2025 (in newer filing dated 2026-05-08)
- Removed:
- Reference to Form 10-K for fiscal year ended December 31, 2024 (in older filing dated 2025-11-07)
- Reworded:
- Balance sheet comparison period changed from September 30, 2025 to March 31, 2026 in newer filing
- Balance sheet comparison period changed from December 31, 2024 to December 31, 2025 in newer filing
- Total assets decreased $38.4 million (1.9%) to $2.0 billion (newer, 2026-05-08) vs. increased $46.7 million (2.3%) to $2.1 billion (older, 2025-11-07)
- Cash and cash equivalents decreased $5.0 million (6.1%) to $76.1 million (newer, 2026-05-08) vs. decreased $13.9 million (17.8%) to $64.3 million (older, 2025-11-07)
- Equity securities increased $879,000 (3.3%) to $27.4 million (newer, 2026-05-08) vs. increased $3.5 million (16.0%) to $25.5 million (older, 2025-11-07)
- Securities held-to-maturity decreased $150,000 (0.8%) to $18.2 million (newer, 2026-05-08) vs. increased $1.7 million (11.6%) to $16.3 million (older, 2025-11-07)
- Loans net decreased $31.8 million (1.7%) to $1.8 billion (newer, 2026-05-08) vs. loans net increased $61.2 million (3.4%) to $1.9 billion (older, 2025-11-07)
- Loan originations of $266.1 million over three months (newer, 2026-05-08) vs. $714.3 million over nine months (older, 2025-11-07)
- Construction loan originations $244.2 million with 40.7% disbursed (newer, 2026-05-08) vs. $528.3 million with 43.6% disbursed (older, 2025-11-07)
- Allowance for credit losses decreased to $4.6 million from $4.7 million (newer, 2026-05-08)
- Forward-looking statements text formatting differs slightly between filings
- Notes:
- The two filings cover different fiscal periods (three months ended March 31, 2026 vs. nine months ended September 30, 2025), making direct numerical comparisons contextual
- The older filing text appears to be cut off mid-sentence at 'The allowance for credit losses', limiting complete comparison of that section
Risk Factors
- Added:
- Newer filing (2026-05-08) references Form 10-K for year ended December 31, 2025, filed March 13, 2026
- Newer filing announces third stock repurchase program authorized December 8, 2025, for up to 1,400,435 shares (10%) commencing December 10, 2025
- Newer filing includes repurchase data for three months ended March 31, 2026: January (121,968 shares at $22.77), February (200 shares at $23.00), March (33,346 shares at $22.92), total 155,514 shares
- Newer filing shows remaining authorized shares for repurchase as 1,203,997 as of March 31, 2026
- Newer filing references quarter ended March 31, 2026 in Item 5 (Other Information)
- Removed:
- Older filing (2025-11-07) references Form 10-K for year ended December 31, 2024, filed March 14, 2025
- Older filing references second stock repurchase program authorized May 30, 2023, for up to 1,509,218 shares (10%)
- Older filing includes repurchase data for three and nine months ended September 30, 2025: July, August, September all showing zero shares purchased
- Older filing shows remaining authorized shares for repurchase as 418,044 as of September 30, 2025
- Older filing references quarter ended September 30, 2025 in Item 5 (Other Information)
- Reworded:
- Risk Factors statement updated from 'December 31, 2024' to 'December 31, 2025' and from 'September 30, 2025' to 'March 31, 2026' (newer filing, 2026-05-08)
- Item 5 (Other Information) quarter reference changed from 'September 30, 2025' to 'March 31, 2026' (newer filing, 2026-05-08)
- Exhibit 101.0 description changed from 'quarter ended September 30, 2025' to 'quarter ended March 31, 2026' (newer filing, 2026-05-08)
- CFO title changed from 'Chief Financial and Chief Accounting Officer' to 'Chief Financial Officer' in signatures; accounting officer role appears in Item 5 description in older filing but not emphasized same way in newer (older filing, 2025-11-07 vs newer, 2026-05-08)
- Notes:
- The comparison covers Items 1A through 6 and Exhibit Index sections; actual Risk Factors content from Form 10-K is not provided in either excerpt
- Item 5 statement text is identical except for the quarter date reference
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 1 sell ($81593) — 1 selling insider
- Last 180 days · read to 2026-10-040 buys · 1 sell ($81593) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-29. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about NECB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding NECB as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,917,201
- Reported value $53,183,166
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about NECB's institutional holders → See what each manager we track holds →
Short interest (FINRA)
NECB had 165,984 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
NECB had 1.21% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.7 days to cover at the same settlement.
- Reported short interest (shares) 165,984
- Short interest (% of shares outstanding) 1.21%
- Prior settlement (shares) 155,077
- Reported change 7.03%
- Days to cover (reported) 5.7
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- New York Community Bancorp (NYCB)
- Valley National Bancorp (VLY)
- ConnectOne Bancorp (CNOB)
- Flushing Financial Corporation (FFIC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does NORTHEAST COMMUNITY BANCORP INC (NECB) do?
NorthEast Community Bancorp, Inc. is a community-oriented financial institution that operates through its subsidiary, NorthEast Community Bank. The company specializes in real estate lending, particularly construction loans for residential and multi-family projects, and offers a range of deposit products, including money market and savings accounts. Its primary operations are concentrated within the New York Metropolitan Area.
What sector is NORTHEAST COMMUNITY BANCORP INC (NECB) in?
NORTHEAST COMMUNITY BANCORP INC (NECB) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does NECB pay a dividend?
Yes — NORTHEAST COMMUNITY BANCORP INC (NECB) pays a dividend, with an indicated yield of about 3.66% and 3-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are NORTHEAST COMMUNITY BANCORP INC's (NECB) competitors?
Notable peers of NORTHEAST COMMUNITY BANCORP INC (NECB) include New York Community Bancorp, Valley National Bancorp, ConnectOne Bancorp and Flushing Financial Corporation. This peer set is informational only — not financial advice.
Is NORTHEAST COMMUNITY BANCORP INC (NECB) overbought or oversold right now?
NORTHEAST COMMUNITY BANCORP INC (NECB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 61, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NECB come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.