NorthEast Community Bancorp, Inc. (NECB) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, NorthEast Community Bancorp reported revenue of $104.8M, down 0.7% from $105.6M the year before. Net income was $44.4M (a 42.4% net margin), or $3.25 per diluted share. Net interest income was $100.7M, and the efficiency ratio (noninterest expense / revenue) was 40.7%. Operating activities generated $52.6M of cash, leaving $50.8M of free cash flow. At fiscal year end, NorthEast Community Bancorp held $2.06B in total assets against $1.71B in total liabilities, including $81.2M of cash and equivalents.
Open the full interactive NorthEast Community Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
NorthEast Community Bancorp Key Stats
| Share Price | $27.80 |
|---|---|
| Market Cap | $376.4M |
| P/E Ratio | 8.6 |
| Dividend Yield | 3.71% |
| Revenue YoY Growth | -0.7% |
| 52-Week Range | $18.83 – $27.81 |
| Shares Outstanding | 13.1 million (basic, 2026 Q2) |
NorthEast Community Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $43.3M | $63.9M | $97.2M | $102.8M | $100.7M |
| Provision for Credit Losses | $3.6M | $439,000 | $972,000 | $740,000 | -$99,000 |
| Noninterest Income | $2.4M | $1.7M | $3.7M | $2.8M | $4.1M |
| Noninterest Expense | $26.5M | $30.7M | $35.2M | $39.1M | $42.7M |
| Revenue | $45.7M | $65.6M | $100.9M | $105.6M | $104.8M |
| Pre-Tax Income | $15.6M | $34.4M | $64.7M | $65.8M | $62.3M |
| Income Tax | $3.7M | $9.6M | $18.5M | $18.7M | $17.8M |
| Net Income | $11.9M | $24.8M | $46.3M | $47.1M | $44.4M |
| Diluted EPS | $0.75 | $1.58 | $3.32 | $3.52 | $3.25 |
NorthEast Community Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $27.0M | $26.4M | $24.9M | $25.3M |
| Net Income | $11.9M | $10.8M | $10.0M | $9.8M |
| Diluted EPS | $0.87 | $0.79 | $0.74 | $0.72 |
NorthEast Community Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $152.3M | $95.3M | $68.7M | $78.3M | $81.2M |
| Loans (Net) | $968.1M | $1.21B | $1.58B | $1.81B | $1.86B |
| Total Assets | $1.23B | $1.42B | $1.76B | $2.01B | $2.06B |
| Deposits | $927.2M | $1.12B | $1.40B | $1.67B | $1.62B |
| Total Long-Term Debt | $28.0M | $21.0M | $64.0M | — | $70.0M |
| Total Liabilities | $973.7M | $1.16B | $1.48B | $1.69B | $1.71B |
| Shareholders' Equity | $251.4M | $262.0M | $279.3M | $318.3M | $351.7M |
NorthEast Community Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $21.6M | $27.5M | $42.8M | $48.7M | $52.6M |
| Cash From Investing | -$178.9M | -$256.6M | -$357.8M | -$234.0M | -$52.0M |
| Cash From Financing | $240.4M | $172.1M | $288.4M | $194.9M | $2.4M |
| Free Cash Flow | $15.1M | $24.2M | $42.2M | $48.2M | $50.8M |
| Dividends Paid | $2.3M | $6.9M | $3.7M | $7.9M | $13.3M |
Figures from NorthEast Community Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full NorthEast Community Bancorp financials page for every line item.
NorthEast Community Bancorp Company Profile
| Ticker | NECB |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | White Plains, New York |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0001847398 |
Frequently Asked Questions
What was NorthEast Community Bancorp's revenue in fiscal 2025?
NorthEast Community Bancorp (NECB) reported revenue of $104.8M for fiscal 2025.
What is NorthEast Community Bancorp's annual revenue history?
NorthEast Community Bancorp's annual revenue by fiscal year: 2021: $45.7M; 2022: $65.6M; 2023: $100.9M; 2024: $105.6M; 2025: $104.8M.
What was NorthEast Community Bancorp's net income in fiscal 2025?
NorthEast Community Bancorp reported net income of $44.4M for fiscal 2025.
What was NorthEast Community Bancorp's earnings per share (EPS) in fiscal 2025?
NorthEast Community Bancorp's diluted EPS was $3.25 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did NorthEast Community Bancorp generate in fiscal 2025?
NorthEast Community Bancorp generated $50.8M of free cash flow in fiscal 2025.
What was NorthEast Community Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), NorthEast Community Bancorp reported revenue of $25.3M.
How much debt does NorthEast Community Bancorp have?
NorthEast Community Bancorp reported $70.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of NorthEast Community Bancorp are outstanding?
NorthEast Community Bancorp reported a weighted average of 13.1 million basic shares outstanding in 2026 Q2.
What is NorthEast Community Bancorp's market cap?
Based on its latest closing price, NorthEast Community Bancorp (NECB) has a market capitalization of about $376.4M.
When does NorthEast Community Bancorp's fiscal year end?
NorthEast Community Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is NorthEast Community Bancorp headquartered?
NorthEast Community Bancorp lists its business address in White Plains, New York in its SEC filings.
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