NECB NorthEast Community Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$26.65
· of 52w range
· above low
· to high
$19.2752w low
$28.9452w high
Market Cap (MRQ)
$367M
P/E
8.2
EPS
$3.25
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52W Range
$19–$29
Analyst Rating
BUY
Price Target
$30
P/E
8.2
ROE
12.9%
Net Profit Margin
42.4%
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NECB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$26.65
Market Cap (MRQ)
$367M
P/E
8.2
EPS
$3.25
Div Yield
3.6%
ROE
12.9%
52W Range
$19–$29
NECB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| July 13, 2021 | 67-for-50 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.252020-12-31 → 2025-12-31
Free Cash Flow$51M2021-12-31 → 2025-12-31
Net margin42.4%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | NECB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 8.25Y avg ≈8.7 | ≈8.7 | 10.5 | Undervalued | |
| P/S | 3.55Y avg ≈3.3 | ≈3.3 | 12.7 | Undervalued | |
| P/B (MRQ) | 1.05Y avg ≈0.9 | ≈0.9 | 1.2 | Fair value | |
| Price / FCF (TTM) | 7.65Y avg ≈8.2 | ≈8.2 | · | · | |
| Price / Cash Flow (TTM) | 7.55Y avg ≈7.2 | ≈7.2 | 7.9 | Undervalued | |
| Price / Tangible Book | 1.15Y avg ≈0.9 | ≈0.9 | · | · | |
| PEG Ratio | ≈0.2 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | NECB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 59.4%5Y avg ≈54.5% | ≈54.5% | 44.7% | Top tier | |
| Net Profit Margin | 42.4%5Y avg ≈39.4% | ≈39.4% | 35.4% | In line | |
| ROA | 2.2%5Y avg ≈2.1% | ≈2.1% | 1.1% | Top tier | |
| ROE | 12.9%5Y avg ≈11.8% | ≈11.8% | 11.0% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | NECB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -0.71%5Y avg ≈22.3% | ≈22.3% | · | · | |
| Revenue CAGR 3Y | 16.9%5Y avg ≈27.9% | ≈27.9% | · | · | |
| Revenue CAGR 5Y | 20.3% | · | · | · | |
| EPS YoY | -7.7%5Y avg ≈43.6% | ≈43.6% | · | · | |
| Net Income YoY | -5.7%5Y avg ≈37.5% | ≈37.5% | · | · | |
| EPS CAGR 3Y | 27.2%5Y avg ≈52.7% | ≈52.7% | · | · | |
| EPS CAGR 5Y | 33.7% | · | · | · | |
| Net Income CAGR 3Y | 21.4%5Y avg ≈45.0% | ≈45.0% | · | · | |
| Net Income CAGR 5Y | 29.2% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | NECB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.15Y avg ≈0.1 | ≈0.1 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.6%
Payout Ratio30.0%
Annualized Payout≈$1.00
5Y Div CAGR≈54.9%
Growth Streak≈2
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 7, 2026 | $0.25 | USD | ≈3.9% |
| Apr 6, 2026 | $0.20 | USD | ≈4.1% |
| Jan 5, 2026 | $0.20 | USD | ≈4.3% |
| Oct 3, 2025 | $0.20 | USD | ≈4.7% |
| Sep 8, 2025 | $0.20 | USD | ≈3.4% |
| Jul 7, 2025 | $0.20 | USD | ≈3.6% |
| Apr 7, 2025 | $0.20 | USD | ≈3.6% |
| Jan 3, 2025 | $0.15 | USD | ≈2.7% |
| Oct 4, 2024 | $0.30 | USD | ≈2.3% |
| Jul 5, 2024 | $0.10 | USD | ≈1.8% |
| Apr 4, 2024 | $0.10 | USD | ≈1.8% |
| Jan 2, 2024 | $0.06 | USD | ≈1.4% |
| Oct 5, 2023 | $0.06 | USD | ≈1.6% |
| Jul 3, 2023 | $0.06 | USD | ≈1.6% |
| Apr 10, 2023 | $0.06 | USD | ≈3.1% |
| Dec 30, 2022 | $0.06 | USD | ≈2.8% |
| Oct 13, 2022 | $0.06 | USD | ≈3.3% |
| Jul 1, 2022 | $0.06 | USD | ≈3.6% |
| May 13, 2022 | $0.18 | USD | ≈3.8% |
| Apr 7, 2022 | $0.06 | USD | ≈2.4% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-2.8%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $0.72 | $0.79 | -8.3% |
| March 31, 2026 | $0.74 | $0.75 | -2.0% | |
| Dec. 31, 2025 | $0.79 | $0.87 | -8.9% | |
| Sept. 30, 2025 | $0.87 | $0.86 | 1.5% | |
| June 30, 2025 | $0.82 | $0.81 | 1.8% | |
| March 31, 2025 | $0.78 | $0.79 | -0.69% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $35M | $8M | $5M | $10M | |
| Interest Income | $154M | $160M | $132M | $72M | $48M | $49M | |
| Pretax Income | $62M | $66M | $65M | $34M | $16M | $16M | |
| Income Tax | $18M | $19M | $18M | $10M | $4M | $3M | |
| Net Income | $44M | $47M | $46M | $25M | $12M | $12M | |
| EPS (Basic) | $3.35 | $3.58 | $3.32 | $1.61 | $0.75 | $0.76 | |
| EPS (Diluted) | $3.25 | $3.52 | $3.32 | $1.58 | $0.75 | $0.76 | |
| Shares (Basic) | 13,261,000 | 13,136,000 | 13,930,000 | 15,433,000 | 15,854,000 | 16,150,000 | |
| Shares (Diluted) | 13,659,000 | 13,359,000 | 13,936,000 | 15,726,000 | 15,854,000 | 16,150,000 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $81M | $78M | $69M | $95M | $152M | $69M | |
| PP&E (Net) | $25M | $25M | $25M | $26M | $24M | $19M | |
| PP&E (Gross) | $42M | $40M | $39M | $39M | $36M | $30M | |
| Accum. Depreciation | $16M | $15M | $14M | $13M | $12M | $11M | |
| Goodwill | · | · | $0 | $200.0K | $651.0K | $651.0K | |
| Total Assets | $2.06B | $2.01B | $1.76B | $1.42B | $1.23B | $968M | |
| Total Liabilities | $1.71B | $1.69B | $1.48B | $1.16B | $974M | $814M | |
| Long-term Debt | $70M | · | $64M | $21M | · | · | |
| Common Stock | $140.0K | $140.0K | $142.0K | $161.0K | $164.0K | $132.0K | |
| Paid-in Capital | $112M | $110M | $110M | $136M | $145M | $57M | |
| Retained Earnings | $245M | $214M | $176M | $133M | $114M | $105M | |
| Treasury Stock | · | · | · | · | · | $7M | |
| AOCI | $233.0K | $224.0K | $317.0K | $156.0K | $-139.0K | $-185.0K | |
| Stockholders' Equity | $352M | $318M | $279M | $262M | $251M | $154M | |
| Liabilities + Equity | $2.06B | $2.01B | $1.76B | $1.42B | $1.23B | $968M | |
| Shares Outstanding | 13,963,432 | 14,016,254 | 14,144,856 | 16,049,454 | 16,377,936 | 16,340,779 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Deferred Tax | $326.0K | $-467.0K | $-367.0K | $-1M | $118.0K | $-33.0K | |
| Operating Cash Flow | $53M | $49M | $43M | $28M | $22M | $16M | |
| CapEx | $2M | $517.0K | $626.0K | $3M | $6M | $1M | |
| Investing Cash Flow | $-52M | $-234M | $-358M | $-257M | $-179M | $-72M | |
| Debt Issued | · | · | $50M | · | · | · | |
| Net Debt Issued | · | · | $50M | · | · | · | |
| Stock Issued | · | · | · | · | $95M | · | |
| Stock Repurchased | $2M | $3M | $29M | $9M | · | · | |
| Net Stock Activity | $-2M | $-3M | $-29M | $-9M | $95M | · | |
| Dividends Paid | $13M | $8M | $4M | $7M | $2M | $1M | |
| Financing Cash Flow | $2M | $195M | $288M | $172M | $240M | $-2M | |
| Net Change in Cash | $3M | $10M | $-27M | $-57M | $83M | $-58M | |
| Taxes Paid | $15M | $22M | $21M | $9M | $4M | $3M | |
| Free Cash Flow | $51M | $48M | $42M | $24M | $15M | · | |
| Levered FCF | · | · | $17M | $18M | $11M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Net Margin | 42.4% | 44.6% | 45.9% | 37.9% | 26.1% | · | |
| Pretax Margin | 59.4% | 62.3% | 64.1% | 52.5% | 34.1% | · | |
| ROA | 2.2% | 2.5% | 2.9% | 1.9% | 1.1% | · | |
| ROE | 12.9% | 15.0% | 16.8% | 9.5% | 4.8% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Book Value / Share | $25.19 | $22.71 | $19.75 | $16.32 | $15.35 | · | |
| Revenue / Share | $7.67 | $7.90 | $7.24 | $4.17 | $2.88 | · | |
| Cash Flow / Share | $3.85 | $3.64 | $3.07 | $1.75 | $1.36 | · | |
| Cash / Share | $5.81 | $5.58 | $4.85 | $5.94 | $9.30 | · | |
| Dividend Paid / Share | $1.00 | $0.65 | $0.24 | $0.42 | $0.18 | · | |
| EPS (TTM) | $3.25 | $3.52 | $3.32 | $1.58 | $0.75 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | -0.71% | 4.6% | 54.0% | 43.6% | 10.0% | · | |
| Revenue CAGR 3Y | 16.9% | 32.2% | 34.5% | · | · | · | |
| Revenue CAGR 5Y | 20.3% | · | · | · | · | · | |
| EPS YoY | -7.7% | 6.0% | 110.1% | 110.7% | -1.3% | · | |
| EPS CAGR 3Y | 27.2% | 67.4% | 63.5% | · | · | · | |
| EPS CAGR 5Y | 33.7% | · | · | · | · | · | |
| Net Income YoY | -5.7% | 1.7% | 86.3% | 108.7% | -3.4% | · | |
| Net Income CAGR 3Y | 21.4% | 58.1% | 55.4% | · | · | · | |
| Net Income CAGR 5Y | 29.2% | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 67.6% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $105M | $106M | $101M | $66M | $46M | · | |
| Net Income TTM | $44M | $47M | $46M | $25M | $12M | · | |
| Market Cap | $316M | $343M | $251M | $239M | $182M | · | |
| P/E | 7.0 | 6.9 | 5.3 | 9.4 | 14.8 | · | |
| P/S | 3.0 | 3.2 | 2.5 | 3.7 | 4.0 | · | |
| P/B | 0.9 | 1.1 | 0.9 | 0.9 | 0.7 | · | |
| P / Tangible Book | 0.9 | 1.1 | 0.9 | 0.9 | 0.7 | · | |
| P / Cash Flow | 6.0 | 7.0 | 5.9 | 8.7 | 8.5 | · | |
| P / FCF | 6.2 | 7.1 | 5.9 | 9.9 | 12.1 | · | |
| Dividend Yield | 4.2% | 2.3% | 1.5% | 2.9% | 1.2% | · | |
| Earnings Yield | 14.4% | 14.4% | 18.7% | 10.6% | 6.7% | · | |
| Payout Ratio | 30.0% | 16.7% | 7.9% | 27.7% | 19.0% | · | |
| Annual Payout | $13M | $8M | $4M | $7M | $2M | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $13M | · | $10M | $8M | $6M | $4M | $2M | |
| Interest Income | $36M | $36M | $39M | $39M | $38M | $38M | $40M | $41M | $40M | $38M | $37M | $35M | $32M | $29M | $25M | $19M | |
| Pretax Income | $14M | $14M | $16M | $17M | $15M | $15M | $14M | $18M | $18M | $16M | $17M | $16M | $16M | $16M | $13M | $10M | |
| Income Tax | $4M | $4M | $5M | $5M | $4M | $4M | $4M | $5M | $5M | $5M | $5M | $4M | $4M | $5M | $4M | $2M | |
| Net Income | $10M | $10M | $11M | $12M | $11M | $11M | $10M | $13M | $13M | $11M | $12M | $12M | $11M | $11M | $8M | $8M | |
| EPS (Basic) | $0.75 | $0.76 | $0.80 | $0.90 | $0.85 | $0.80 | $0.76 | $0.97 | $0.98 | $0.87 | $1.00 | $0.80 | $0.75 | $0.77 | $0.54 | $0.49 | |
| EPS (Diluted) | $0.72 | $0.74 | $0.78 | $0.87 | $0.82 | $0.78 | $0.74 | $0.95 | $0.97 | $0.86 | $1.00 | $0.80 | $0.75 | $0.77 | $0.51 | $0.49 | |
| Shares (Basic) | 13,135,000 | 13,176,000 | · | 13,252,000 | 13,216,000 | 13,192,000 | · | 13,075,000 | 13,084,000 | 13,118,000 | · | 14,743,000 | 14,700,000 | 14,649,000 | · | 15,536,000 | |
| Shares (Diluted) | 13,538,000 | 13,528,000 | · | 13,632,000 | 13,568,000 | 13,560,000 | · | 13,417,000 | 13,181,000 | 13,191,000 | · | 14,822,000 | 14,731,000 | 14,696,000 | · | 15,536,000 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $73M | $76M | $81M | $64M | $59M | $89M | $78M | $98M | $114M | $107M | $69M | $107M | $120M | $77M | $95M | $55M | |
| PP&E (Net) | $25M | $25M | $25M | $26M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $26M | $26M | $26M | $26M | $26M | |
| PP&E (Gross) | · | · | $42M | · | · | · | $40M | · | · | · | $39M | · | · | · | $39M | · | |
| Accum. Depreciation | · | · | $16M | · | · | · | $15M | · | · | · | $14M | · | · | · | $13M | · | |
| Goodwill | · | · | · | · | · | · | · | · | · | · | · | $200.0K | $200.0K | $200.0K | $200.0K | $651.0K | |
| Total Assets | $2.12B | $2.03B | $2.06B | $2.06B | $1.97B | $1.93B | $2.01B | $1.97B | $1.93B | $1.87B | $1.76B | $1.72B | $1.62B | $1.50B | $1.42B | $1.28B | |
| Total Liabilities | $1.75B | $1.67B | $1.71B | $1.71B | $1.64B | $1.61B | $1.69B | $1.66B | $1.63B | $1.58B | $1.48B | $1.45B | $1.35B | $1.24B | $1.16B | $1.02B | |
| Long-term Debt | $190M | $20M | $70M | $170M | $135M | · | · | $7M | $47M | $47M | $64M | $64M | · | · | $21M | · | |
| Common Stock | $138.0K | $138.0K | $140.0K | $140.0K | $140.0K | $140.0K | $140.0K | $140.0K | $140.0K | $141.0K | $142.0K | $145.0K | $150.0K | $153.0K | $161.0K | $162.0K | |
| Paid-in Capital | $108M | $109M | $112M | $112M | $112M | $111M | $110M | $109M | $109M | $109M | $110M | $115M | $123M | $126M | $136M | $142M | |
| Retained Earnings | $259M | $252M | $245M | $237M | $230M | $222M | $214M | $206M | $197M | $186M | $176M | $164M | $153M | $143M | $133M | $125M | |
| AOCI | $258.0K | $241.0K | $233.0K | $229.0K | $220.0K | $211.0K | $224.0K | $327.0K | $323.0K | $320.0K | $317.0K | $178.0K | $171.0K | $163.0K | $156.0K | $-75.0K | |
| Stockholders' Equity | $363M | $356M | $352M | $344M | $337M | $327M | $318M | $310M | $300M | $289M | $279M | $272M | $270M | $263M | $262M | $260M | |
| Liabilities + Equity | $2.12B | $2.03B | $2.06B | $2.06B | $1.97B | $1.93B | $2.01B | $1.97B | $1.93B | $1.87B | $1.76B | $1.72B | $1.62B | $1.50B | $1.42B | $1.28B | |
| Shares Outstanding | 13,771,951 | 13,815,407 | 13,963,432 | 14,027,240 | 14,023,376 | 14,023,376 | 14,016,254 | 14,020,602 | 13,990,602 | 14,065,796 | 14,144,856 | 14,481,614 | 15,036,938 | 15,325,828 | 16,049,454 | 16,214,528 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $-427.0K | $-114.0K | $650.0K | $-82.0K | $-106.0K | $-136.0K | $86.0K | $-234.0K | $-222.0K | $-97.0K | $463.0K | $-741.0K | $0 | $-89.0K | $-73.0K | $-450.0K | |
| Operating Cash Flow | $13M | $10M | $12M | $14M | $16M | $11M | $10M | $14M | $11M | $13M | $12M | $13M | $7M | $11M | $13M | $7M | |
| CapEx | $133.0K | $98.0K | $172.0K | $442.0K | $751.0K | $382.0K | $140.0K | $176.0K | $133.0K | $68.0K | $246.0K | $163.0K | $121.0K | $96.0K | $68.0K | $375.0K | |
| Investing Cash Flow | $-92M | $31M | $11M | $-78M | $-71M | $86M | $-59M | $-54M | $-53M | $-67M | $-78M | $-116M | $-65M | $-99M | $-100M | $-94M | |
| Stock Repurchased | $1M | $4M | $1M | · | · | · | $726.0K | $0 | $1M | $1M | $5M | $9M | $4M | $11M | $6M | · | |
| Net Stock Activity | · | $-4M | · | · | · | · | · | · | · | $-1M | · | · | · | $-11M | · | · | |
| Dividends Paid | $3M | $3M | $6M | $3M | $3M | $2M | $4M | $1M | $1M | $849.0K | $867.0K | $902.0K | $914.0K | $969.0K | $972.0K | $983.0K | |
| Financing Cash Flow | $76M | $-46M | $-6M | $69M | $25M | $-86M | $30M | $23M | $49M | $93M | $28M | $90M | $101M | $69M | $127M | $55M | |
| Net Change in Cash | $-3M | $-5M | $17M | $5M | $-30M | $11M | $-20M | $-16M | $6M | $39M | $-38M | $-13M | $43M | $-18M | $40M | $-31M | |
| Taxes Paid | $6M | $2M | $5M | $4M | $2M | $2M | $8M | $5M | $5M | $4M | $4M | $5M | $11M | $371.0K | $4M | $3M | |
| Free Cash Flow | · | $10M | · | · | · | $11M | · | · | · | $13M | · | · | · | $11M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $4M | · | · | · | $7M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 38.7% | 39.9% | · | 44.0% | 43.1% | 41.4% | · | 45.9% | 47.5% | 44.5% | · | 46.7% | 44.3% | 46.9% | · | 42.4% | |
| Pretax Margin | 54.6% | 56.4% | · | 61.6% | 59.5% | 57.4% | · | 63.6% | 65.6% | 62.7% | · | 64.2% | 62.1% | 65.8% | · | 56.0% | |
| ROA | 0.48% | 0.50% | · | 0.59% | 0.57% | 0.56% | · | 0.69% | 0.72% | 0.68% | · | 0.79% | 0.78% | 0.81% | · | 0.63% | |
| ROE | 2.8% | 2.9% | · | 3.6% | 3.5% | 3.4% | · | 4.4% | 4.5% | 4.1% | · | 4.5% | 4.2% | 4.3% | · | 3.0% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $26.33 | $25.79 | · | $24.53 | $24.01 | $23.33 | · | $22.08 | $21.44 | $20.54 | · | $18.81 | $17.93 | $17.13 | · | $16.04 | |
| Revenue / Share | $1.87 | $1.84 | · | $1.98 | $1.91 | $1.88 | · | $2.06 | $2.04 | $1.94 | · | $1.71 | $1.70 | $1.63 | · | $1.14 | |
| Cash Flow / Share | · | $0.77 | · | · | · | $0.81 | · | · | · | $0.98 | · | · | · | $0.74 | · | · | |
| Cash / Share | $5.33 | $5.52 | · | $4.59 | $4.23 | $6.38 | · | $6.97 | $8.14 | $7.64 | · | $7.37 | $7.97 | $5.03 | · | $3.39 | |
| Dividend Paid / Share | $0.25 | $0.20 | $0.20 | $0.40 | $0.20 | $0.20 | $0.30 | $0.15 | $0.10 | $0.10 | $0.06 | $0.06 | $0.06 | $0.06 | $0.24 | $0.06 | |
| EPS (TTM) | $3.11 | $3.21 | · | $3.21 | $3.29 | $3.44 | · | $3.78 | $3.63 | $3.41 | · | $2.83 | $2.52 | $2.12 | · | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $104M | $104M | · | $104M | $105M | $106M | · | $107M | $104M | $103M | · | $96M | $88M | $78M | · | $56M | |
| Net Income TTM | $42M | $44M | · | $44M | $45M | $46M | · | $49M | $48M | $46M | · | $42M | $38M | $32M | · | $21M | |
| Market Cap | $382M | $329M | · | $289M | $326M | $329M | · | $371M | $249M | $221M | · | $214M | $224M | $201M | · | $201M | |
| P/E | 8.9 | 7.4 | · | 6.4 | 7.1 | 6.8 | · | 7.0 | 4.9 | 4.6 | · | 5.2 | 5.9 | 6.2 | · | · | |
| P/S | 3.7 | 3.2 | · | 2.8 | 3.1 | 3.1 | · | 3.5 | 2.4 | 2.2 | · | 2.2 | 2.5 | 2.6 | · | 3.6 | |
| P/B | 1.1 | 0.9 | · | 0.8 | 1.0 | 1.0 | · | 1.2 | 0.8 | 0.8 | · | 0.8 | 0.8 | 0.8 | · | 0.8 | |
| P / Tangible Book | 1.1 | 0.9 | · | 0.8 | 1.0 | 1.0 | · | 1.2 | 0.8 | 0.8 | · | 0.8 | 0.8 | 0.8 | · | 0.8 | |
| P / Cash Flow | · | 31.5 | · | · | · | 30.0 | · | · | · | 17.1 | · | · | · | 18.4 | · | · | |
| Dividend Yield | 3.7% | 4.3% | · | 4.1% | 3.2% | 2.8% | · | 1.2% | 1.6% | 1.6% | · | 1.8% | 1.7% | 3.4% | · | 3.4% | |
| Earnings Yield | 11.2% | 13.5% | · | 15.6% | 14.1% | 14.7% | · | 14.3% | 20.4% | 21.7% | · | 19.2% | 16.9% | 16.2% | · | · | |
| Payout Ratio | · | 28.1% | · | · | · | 19.9% | · | · | · | 7.5% | · | · | · | 8.6% | · | · | |
| Annual Payout | $14M | $14M | · | $12M | $11M | $9M | · | $5M | $4M | $4M | · | $4M | $4M | $7M | · | $7M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $44M | $47M | $46M | $25M | $12M |
| Diluted EPS | $3.25 | $3.52 | $3.32 | $1.58 | $0.75 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $51M | $48M | $42M | $24M | $15M |
Institutional owners (13F) 136 filers · $196.0M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
136
Value held
$196.0M
New positions
15
Exited positions
10
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 15 (-10 vs prior Q) | 10 (+2 vs prior Q) | 52 (+13 vs prior Q) | 33 (+1 vs prior Q) | +327K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $35,060,473 | 1,263,896 | 17.89% | Shares |
| VANGUARD GROUP INC | $14,864,357 | 657,424 | 7.58% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $14,643,724 | 527,892 | 7.47% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $13,776,711 | 496,637 | 7.03% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $11,128,641 | 401,101 | 5.68% | Shares |
| STATE STREET CORP | $8,021,215 | 289,157 | 4.09% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $6,851,225 | 246,980 | 3.50% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $4,733,138 | 170,625 | 2.41% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $4,611,470 | 166,239 | 2.35% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $4,264,637 | 153,736 | 2.18% | Shares |
| NORTHERN TRUST CORP | $3,633,136 | 130,971 | 1.85% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $3,408,414 | 122,870 | 1.74% | Shares |
| MORGAN STANLEY | $3,255,012 | 117,340 | 1.66% | Shares |
| MANGROVE PARTNERS IM, LLC | $2,810,145 | 101,303 | 1.43% | Shares |
| STILWELL VALUE LLC | $2,774,000 | 100,000 | 1.42% | Shares |
| Empowered Funds, LLC | $2,690,058 | 96,974 | 1.37% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,689,781 | 96,964 | 1.37% | Shares |
| CITADEL ADVISORS LLC | $2,638,767 | 95,125 | 1.35% | Shares |
| Focus Partners Wealth | $2,335,709 | 84,200 | 1.19% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,307,968 | 83,200 | 1.18% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,140,058 | 77,147 | 1.09% | Shares |
| Qube Research & Technologies Ltd | $2,105,688 | 75,908 | 1.07% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $1,901,300 | 68,540 | 0.97% | Shares |
| Bank of New York Mellon Corp | $1,862,561 | 67,143 | 0.95% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $1,852,033 | 66,764 | 0.94% | Shares |
| GOLDMAN SACHS GROUP INC | $1,735,997 | 62,581 | 0.89% | Shares |
| AMERIPRISE FINANCIAL INC | $1,733,001 | 62,473 | 0.88% | Shares |
| RAFFLES ASSOCIATES LP | $1,650,530 | 59,500 | 0.84% | Shares |
| Nuveen, LLC | $1,630,224 | 58,768 | 0.83% | Shares |
| PRUDENTIAL FINANCIAL INC | $1,436,516 | 51,785 | 0.73% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,424,228 | 51,342 | 0.73% | Shares |
| Trexquant Investment LP | $1,386,750 | 49,991 | 0.71% | Shares |
| Man Group plc | $1,259,923 | 45,419 | 0.64% | Shares |
| ALLIANCEBERNSTEIN L.P. | $1,214,038 | 51,010 | 0.62% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,210,490 | 43,637 | 0.62% | Shares |
| Quantinno Capital Management LP | $1,146,185 | 41,318 | 0.58% | Shares |
| MACKENZIE FINANCIAL CORP | $1,130,655 | 40,759 | 0.58% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $1,011,983 | 36,481 | 0.52% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,002,635 | 36,144 | 0.51% | Shares |
| Militia Capital Management LLC | $943,743 | 34,021 | 0.48% | Shares |
| Sanctuary Advisors, LLC | $891,859 | 32,151 | 0.46% | Shares |
| MILLENNIUM MANAGEMENT LLC | $887,985 | 32,011 | 0.45% | Shares |
| GLOBEFLEX CAPITAL L P | $837,942 | 30,207 | 0.43% | Shares |
| Keeley-Teton Advisors, LLC | $796,960 | 34,000 | 0.41% | Shares |
| JPMORGAN CHASE & CO | $786,624 | 28,357 | 0.40% | Shares |
| Militia Capital Partners, LP | $769,215 | 34,021 | 0.39% | Shares |
| FIRST TRUST ADVISORS LP | $725,179 | 26,142 | 0.37% | Shares |
| STRS OHIO | $701,822 | 25,300 | 0.36% | Shares |
| Allspring Global Investments Holdings, LLC | $637,738 | 22,519 | 0.33% | Shares |
| BANK OF AMERICA CORP /DE/ | $630,253 | 22,720 | 0.32% | Shares |
Company insiders 12 insiders · 1 officers · 1 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Donald S Hom | EVP and CFO | July 29, 2026 S | 4,714 | 0 | 4 | $-209,880 |
| Eugene M Magier | Director | July 15, 2026 J | 0 | 0 | 0 | $0 |
| Charles Michael Cirillo | · | March 12, 2026 S | 5,805 | 0 | 1 | $-81,804 |
| John F Mckenzie | · | March 5, 2026 S | 16,249 | 0 | 1 | $-71,550 |
| Diane B Cavanaugh | · | Dec. 11, 2025 S | 6,608 | 0 | 2 | $-23,595 |
| Charles A Martinek | · | Dec. 11, 2025 S | 495 | 0 | 2 | $-46,930 |
| Jose M Collazo | · | Nov. 17, 2025 F | 15,280 | 0 | 0 | $0 |
| Kenneth A Martinek | · | Nov. 17, 2025 F | 2,939 | 0 | 0 | $0 |
| Joel Lee Morgenthau | · | Sept. 18, 2025 A | 1,440 | 0 | 0 | $0 |
| Linda M Swan | · | Nov. 15, 2023 A | 1,728 | 0 | 0 | $0 |
| Kenneth H Thomas | · | Nov. 2, 2022 P | 11,520 | 0 | 0 | $0 |
| Kevin Patrick Omalley | · | Sept. 30, 2022 A | 14,480 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 24 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| FSMD · FIDELITY COVINGTON TRUST | 0.10% | 91,388 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.08% | 43,488 SH | Sept. 11, 2026 | Daily |
| ROSC · Lattice Strategies Trust | 0.05% | 1,163 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 10,836 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.02% | 53,496 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,347 SH | Oct. 2, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 354,571 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,951 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 71,230 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 46,153 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 45,185 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 6,876 SH | Oct. 2, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 595 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 46,622 SH | Sept. 11, 2026 | Daily |
| IWV · iShares Trust | 0.00% | 7,291 SH | Sept. 3, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 895 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 11,614 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,957 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,548 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 130,851 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 385,178 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,134 SH | Aug. 19, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 129,727 SH | Sept. 11, 2026 | Daily |
NECB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$29.75
+11.6%
2 25.0%
Strong Buy
4 50.0%
Buy
2 25.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-01Mean target $29.75 +11.6%
← Below all targets
Current price $26.65
Low$29.50
Mean$29.75
High$30.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| NECB | $316M | 7.0 | -0.71% | 42.4% | 12.9% | · |
| CZFS | $300M | 7.5 | 2.8% | 370.1% | 11.2% | · |
| PKBK | · | 7.9 | 26.8% | 47.3% | 11.9% | · |
| NWFL | $267M | 9.3 | 8.1% | 347.0% | 11.9% | · |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | · |
| TSBK | $263M | 9.1 | 9.6% | 35.3% | 11.3% | · |
| FSBW | $309M | 9.6 | 44.8% | 21.8% | 11.0% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 7, 2026