US · NECB
Northeast Community Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- White Plains, NY 10601
- Website
- necommunitybank.com
Price · as of 2024-12-31
$24.15
Market cap 326.31M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $55.63 | +130.35% |
| Intrinsic Value(DCF) | $94.77 | +292.42% |
| Graham-Dodd Method(GD) | $33.18 | +37.37% |
| Graham Formula(GF) | $96.32 | +298.84% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $3.33 | $394.48 | $8.14 | $8.37 | $2.52 |
| 2011 | $3.69 | $36.11 | $8.25 | $8.70 | $0.00 |
| 2012 | $3.17 | $134.60 | $7.43 | $6.52 | $0.00 |
| 2013 | $4.23 | $50.19 | $7.94 | $8.31 | $0.00 |
| 2014 | $4.12 | $41.46 | $7.94 | $8.49 | $2.00 |
| 2015 | $4.12 | $48.13 | $8.18 | $8.99 | $3.54 |
| 2016 | $5.10 | $29.34 | $8.88 | $10.47 | $14.50 |
| 2017 | $6.42 | $19.10 | $65.22 | $12.35 | $24.87 |
| 2018 | $7.39 | $30.26 | $118.78 | $15.46 | $36.03 |
| 2019 | $7.16 | $41.78 | $75.29 | $16.16 | $23.39 |
| 2020 | $10.51 | $33.36 | $12.73 | $12.36 | $0.00 |
| 2021 | $10.56 | $36.21 | $15.12 | $17.43 | $4.96 |
| 2022 | $13.88 | $37.44 | $17.27 | $18.34 | $82.38 |
| 2023 | $14.36 | $49.37 | $813.78 | $32.73 | $286.30 |
| 2024 | $21.56 | $55.63 | $1,086.70 | $33.18 | $96.32 |
AI valuation
Our deep-learning model estimates Northeast Community Bancorp, Inc.'s (NECB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $55.63
- Current price
- $24.15
- AI upside
- +130.35%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$94.77
+292.42% upside
Graham-Dodd
$33.18
+37.37% upside
Graham Formula
$96.32
+298.84% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NECB | Northeast Community Banco… | $24.15 | 326.31M | +130% | +292% | +37% | +299% | 6.02 | 0.89 | 1.77 | 3.13 | 99.85 | 0.89 | 63.74% | 41.15% | 29.45% | 15.75% | 17.95% | 2.49% | 0.01 | 1.15 | 0.05 | 0.05 | -1.10 | 602.00% | 1955.00% | 1412.00% | 17.01% | 0.03 | 18.37% | 2.78% | 16.70% | 30.06% | 3.19 | 4.35 | 1.31 | -0.51 |
| COSO | CoastalSouth Bancshares, … | $24.55 | 294.08M | — | — | +20% | +83% | — | — | — | — | — | — | 54.61% | 20.98% | 16.89% | 12.47% | -263.38% | 1.06% | 0.08 | 0.47 | 0.05 | 0.05 | -1.81 | -1899.00% | 1341.00% | -13824.00% | — | -0.01 | 169.34% | — | 0.00% | — | — | — | — | — |
| CZFS | Citizens Financial Servic… | $60.06 | 288.67M | +306% | -13% | +51% | +37% | 7.96 | 0.86 | 1.68 | 2.70 | 25.20 | 1.16 | 63.32% | 26.03% | 21.11% | 11.47% | 10.87% | 1.20% | 0.92 | 0.74 | 0.94 | 0.94 | 6.10 | 3161.00% | 275.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.70 | — | 0.70 | 0.25 |
| FDBC | Fidelity D & D Bancorp, I… | $43.85 | 252.9M | -29% | +30% | -38% | +122% | 11.68 | 1.19 | 1.94 | -5.25 | 90.87 | 1.32 | 63.50% | 19.10% | 16.63% | 10.57% | -12.75% | 0.82% | 0.08 | 0.53 | 0.19 | 0.19 | -2.25 | 1285.00% | 1962.00% | 951.00% | 10.25% | 0.01 | -15.26% | 3.64% | 42.60% | 40.13% | -6.49 | -6.22 | -1.24 | -0.66 |
| FINW | FinWise Bancorp | $16.84 | 228.8M | +662% | +40,598% | +27% | +351% | 13.40 | 1.12 | 1.43 | 8.28 | 62.32 | 1.14 | 61.00% | 14.41% | 10.66% | 8.77% | 13.94% | 1.87% | 0.02 | 1.07 | 8.98 | 8.98 | -0.35 | 2151.00% | 5489.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 8.28 | — | 1.19 | 0.63 |
| FNLC | The First Bancorp, Inc. | $27.65 | 310.21M | +24% | -14% | -61% | +101% | 9.85 | 1.05 | 1.61 | 2.53 | — | 1.20 | 48.20% | 19.70% | 16.35% | 10.91% | 77.71% | 0.89% | 0.58 | 0.38 | 0.12 | 0.12 | 2.77 | -865.00% | 1519.00% | -2833.00% | 9.23% | 0.01 | 70.61% | 5.93% | 58.40% | 6.01% | 2.71 | 3.59 | 0.53 | -0.69 |
| JMSB | John Marshall Bancorp, In… | $19.20 | 272.73M | +102% | -12% | +2% | +137% | 14.21 | 0.99 | 2.16 | 7.90 | 6.09 | 0.99 | 47.76% | 19.46% | 15.23% | 7.19% | 18.06% | 0.76% | 0.35 | 0.37 | 0.08 | 0.08 | -1.54 | 23333.00% | 3096.00% | -354.00% | 6.90% | 0.01 | 17.70% | 1.46% | 20.80% | 1.49% | 8.51 | 11.10 | 1.66 | -0.68 |
| LNKB | LINKBANCORP, Inc. | $8.65 | 324.01M | +1,024,537% | +23,719% | -42% | +1,164% | 9.42 | 0.88 | 1.47 | 5.17 | — | 1.23 | 64.74% | 20.05% | 15.64% | 9.61% | 13.11% | 0.94% | 0.46 | 0.57 | 0.07 | 0.07 | -0.94 | -20597.00% | 15283.00% | -173102.00% | 9.14% | 0.01 | 11.29% | 4.50% | 42.40% | 23.18% | 6.20 | 9.23 | 1.24 | -0.76 |
| MBCN | Middlefield Banc Corp. | $33.67 | 272.39M | +279% | -24% | +7% | -17% | 14.01 | 1.19 | 2.42 | 11.87 | 57.25 | 1.44 | 65.85% | 20.91% | 17.29% | 8.82% | 9.27% | 1.03% | 0.81 | 0.60 | 0.40 | 1.53 | -1.54 | 2448.00% | 354.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 63.96% | 11.87 | — | 2.48 | 0.24 |
| PKBK | Parke Bancorp, Inc. | $27.86 | 330.06M | +44% | -23% | -7% | +34% | 7.91 | 0.73 | 1.68 | 5.00 | — | 0.73 | 48.13% | 28.05% | 21.26% | 9.42% | 10.35% | 1.32% | 0.63 | 0.55 | 0.14 | 0.14 | -0.90 | -340.00% | 839.00% | 5212.00% | 16.08% | 0.02 | 13.17% | 3.95% | 31.30% | 15.53% | 5.08 | 5.27 | 1.43 | -0.49 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
About Northeast Community Bancorp, Inc.
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 invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.
- CEO
- Kenneth A. Martinek
- Employees
- 136
- Beta
- 0.41
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($94.77 ÷ $24.15) − 1 = +292.42% (DCF, example).