What is Northeast Cmnty Bancorp Inc's earnings per share (EPS)?

Northeast Cmnty Bancorp Inc (NECB) reported diluted earnings per share of $3.25 for fiscal year 2025. This represents a -7.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Northeast Cmnty Bancorp Inc Financials

NECB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Northeast Cmnty Bancorp Inc (NECB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 66/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Northeast Cmnty Bancorp Inc's revenue declined 3.7% year-over-year, from $160.0M to $154.1M. This contraction results in a growth score of 27/100.

Leverage

Northeast Cmnty Bancorp Inc carries a low D/E ratio of 0.20, meaning only $0.20 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Northeast Cmnty Bancorp Inc converts 33.0% of revenue into free cash flow ($50.8M). This strong cash generation earns a score of 100/100.

Returns

Northeast Cmnty Bancorp Inc's ROE of 12.6% shows moderate profitability relative to equity, earning a score of 39/100. This is down from 14.8% the prior year.

Piotroski F-Score Neutral

4/9

Northeast Cmnty Bancorp Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.18x

For every $1 of reported earnings, Northeast Cmnty Bancorp Inc generates $1.18 in operating cash flow ($52.6M OCF vs $44.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$154.1M

YoY-3.7%

5Y CAGR+25.8%

Northeast Cmnty Bancorp Inc generated $154.1M in revenue in fiscal year 2025. This represents a decrease of 3.7% from the prior year.

EBITDA

N/A

Net Income

$44.4M

YoY-5.7%

5Y CAGR+29.2%

Northeast Cmnty Bancorp Inc reported $44.4M in net income in fiscal year 2025. This represents a decrease of 5.7% from the prior year.

EPS (Diluted)

$3.25

YoY-7.7%

5Y CAGR+33.7%

Northeast Cmnty Bancorp Inc earned $3.25 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 7.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$50.8M

YoY+5.5%

5Y CAGR+28.7%

Northeast Cmnty Bancorp Inc generated $50.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 5.5% from the prior year.

Cash & Debt

$81.2M

YoY+3.7%

5Y CAGR+3.2%

Northeast Cmnty Bancorp Inc held $81.2M in cash against $70.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.00

YoY+53.8%

Northeast Cmnty Bancorp Inc paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 53.8% from the prior year.

Shares Outstanding

14M

YoY-0.4%

5Y CAGR-3.1%

Northeast Cmnty Bancorp Inc had 14M shares outstanding in fiscal year 2025. This represents a decrease of 0.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

28.8%

YoY-0.6pp

5Y CAGR+3.7pp

Northeast Cmnty Bancorp Inc's net profit margin was 28.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.6 percentage points from the prior year.

Return on Equity

12.6%

YoY-2.2pp

5Y CAGR+4.6pp

Northeast Cmnty Bancorp Inc's ROE was 12.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.6M

YoY-50.6%

Northeast Cmnty Bancorp Inc spent $1.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 50.6% from the prior year.

Capital Expenditures

$1.7M

YoY+237.9%

5Y CAGR+6.7%

Northeast Cmnty Bancorp Inc invested $1.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 237.9% from the prior year.

NECB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$154.1M-3.7%	$160.0M+20.8%	$132.5M+84.0%	$72.0M+48.8%	$48.4M-1.2%	$49.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$53.4M-6.7%	$57.2M+62.1%	$35.3M+334.3%	$8.1M+59.3%	$5.1M-48.9%	$10.0M
Income Tax	$17.8M-4.6%	$18.7M+1.3%	$18.5M+92.6%	$9.6M+161.3%	$3.7M+11.8%	$3.3M
Net Income	$44.4M-5.7%	$47.1M+1.7%	$46.3M+86.3%	$24.8M+108.7%	$11.9M-3.4%	$12.3M
EPS (Diluted)	$3.25-7.7%	$3.52+6.0%	$3.32+110.1%	$1.58+110.7%	$0.75-1.3%	$0.76

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$38.6M-1.7%	$39.3M+3.3%	$38.0M-0.4%	$38.2M-5.6%	$40.5M-1.7%	$41.2M+2.4%	$40.2M+5.6%	$38.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$13.1M-1.5%	$13.3M+2.9%	$13.0M-7.0%	$13.9M-8.1%	$15.2M+1.9%	$14.9M+6.3%	$14.0M+6.7%	$13.1M
Income Tax	$4.8M+0.9%	$4.7M+11.4%	$4.3M+4.4%	$4.1M-4.8%	$4.3M-12.3%	$4.9M0.0%	$4.9M+5.0%	$4.7M
Net Income	$10.8M-8.9%	$11.9M+6.2%	$11.2M+5.7%	$10.6M+3.4%	$10.2M-19.5%	$12.7M-0.9%	$12.8M+12.5%	$11.4M
EPS (Diluted)	N/A	$0.87+6.1%	$0.82+5.1%	$0.78	N/A	$0.95-2.1%	$0.97+12.8%	$0.86

NECB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.1B+2.7%	$2.0B+13.9%	$1.8B+23.8%	$1.4B+16.3%	$1.2B+26.5%	$968.2M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$81.2M+3.7%	$78.3M+14.0%	$68.7M-27.9%	$95.3M-37.4%	$152.3M+120.1%	$69.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	$0-100.0%	$200K-69.3%	$651K0.0%	$651K
Total Liabilities	$1.7B+1.2%	$1.7B+13.9%	$1.5B+27.7%	$1.2B+19.4%	$973.7M+19.6%	$814.4M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$70.0M	N/A	$64.0M+204.8%	$21.0M	N/A	N/A
Total Equity	$351.7M+10.5%	$318.3M+14.0%	$279.3M+6.6%	$262.0M+4.2%	$251.4M+63.4%	$153.8M
Retained Earnings	$245.0M+14.5%	$214.0M+21.9%	$175.5M+32.3%	$132.7M+16.0%	$114.3M+8.6%	$105.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.1B+0.4%	$2.1B+4.2%	$2.0B+2.1%	$1.9B-3.8%	$2.0B+2.1%	$2.0B+2.0%	$1.9B+3.4%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$81.2M+26.2%	$64.3M+8.4%	$59.4M-33.6%	$89.5M+14.3%	$78.3M-20.0%	$97.8M-14.1%	$113.9M+6.0%	$107.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.7B0.0%	$1.7B+4.6%	$1.6B+1.9%	$1.6B-5.0%	$1.7B+2.0%	$1.7B+1.7%	$1.6B+3.3%	$1.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$70.0M-58.8%	$170.0M+25.9%	$135.0M	N/A	N/A	$7.0M-85.1%	$47.0M0.0%	$47.0M
Total Equity	$351.7M+2.2%	$344.0M+2.2%	$336.7M+2.9%	$327.2M+2.8%	$318.3M+2.8%	$309.6M+3.2%	$300.0M+3.8%	$288.9M
Retained Earnings	$245.0M+3.4%	$236.8M+2.8%	$230.3M+3.8%	$221.9M+3.7%	$214.0M+4.0%	$205.7M+4.4%	$197.0M+6.2%	$185.5M

NECB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$52.6M+8.0%	$48.7M+13.7%	$42.8M+55.5%	$27.5M+27.8%	$21.6M+37.6%	$15.7M
Capital Expenditures	$1.7M+237.9%	$517K-17.4%	$626K-81.1%	$3.3M-48.8%	$6.5M+411.2%	$1.3M
Free Cash Flow	$50.8M+5.5%	$48.2M+14.1%	$42.2M+74.2%	$24.2M+60.4%	$15.1M+4.9%	$14.4M
Investing Cash Flow	-$52.0M+77.8%	-$234.0M+34.6%	-$357.8M-39.5%	-$256.6M-43.5%	-$178.9M-148.0%	-$72.1M
Financing Cash Flow	$2.4M-98.8%	$194.9M-32.4%	$288.4M+67.6%	$172.1M-28.4%	$240.4M+11935.8%	-$2.0M
Dividends Paid	$13.3M+69.5%	$7.9M+115.3%	$3.7M-46.8%	$6.9M+203.8%	$2.3M+124.3%	$1.0M
Share Buybacks	$1.6M-50.6%	$3.2M-88.9%	$28.7M+208.1%	$9.3M	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$12.0M-14.8%	$14.1M-10.1%	$15.6M+42.8%	$10.9M+6.9%	$10.2M-29.0%	$14.4M+29.7%	$11.1M-13.8%	$12.9M
Capital Expenditures	$172K-61.1%	$442K-41.1%	$751K+96.6%	$382K+172.9%	$140K-20.5%	$176K+32.3%	$133K+95.6%	$68K
Free Cash Flow	$11.8M-13.3%	$13.6M-8.5%	$14.9M+40.8%	$10.6M+4.6%	$10.1M-29.1%	$14.2M+29.6%	$11.0M-14.4%	$12.8M
Investing Cash Flow	$10.9M+114.0%	-$77.8M-9.3%	-$71.2M-182.7%	$86.0M+245.1%	-$59.3M-10.0%	-$53.9M-0.8%	-$53.5M+20.6%	-$67.3M
Financing Cash Flow	-$6.0M-108.8%	$68.7M+169.9%	$25.5M+129.7%	-$85.8M-390.5%	$29.5M+26.3%	$23.4M-52.1%	$48.8M-47.7%	$93.2M
Dividends Paid	$5.6M+4.5%	$5.4M+100.0%	$2.7M+27.6%	$2.1M-50.0%	$4.2M+5.2%	$4.0M+200.5%	$1.3M+56.7%	$849K
Share Buybacks	$1.4M	N/A	N/A	N/A	$726K	$0-100.0%	$1.2M-2.2%	$1.3M

NECB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.8%-0.6pp	29.4%-5.5pp	34.9%+0.4pp	34.5%+9.9pp	24.6%-0.6pp	25.2%
Return on Equity	12.6%-2.2pp	14.8%-1.8pp	16.6%+7.1pp	9.5%+4.7pp	4.7%-3.3pp	8.0%
Return on Assets	2.1%-0.2pp	2.3%-0.3pp	2.6%+0.9pp	1.7%+0.8pp	1.0%-0.3pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.20-5.1	5.31+5.1	0.23+0.1	0.08-3.8	3.87-1.4	5.29
FCF Margin	33.0%+2.9pp	30.1%-1.8pp	31.9%-1.8pp	33.7%+2.5pp	31.2%+1.8pp	29.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.0%-2.2pp	30.2%+0.8pp	29.4%+1.7pp	27.7%+2.4pp	25.2%-5.6pp	30.8%-1.0pp	31.8%+2.0pp	29.8%
Return on Equity	3.1%-0.4pp	3.5%+0.1pp	3.3%+0.1pp	3.2%+0.0pp	3.2%-0.9pp	4.1%-0.2pp	4.3%+0.3pp	3.9%
Return on Assets	0.5%-0.1pp	0.6%0.0pp	0.6%+0.0pp	0.5%+0.0pp	0.5%-0.1pp	0.6%-0.0pp	0.7%+0.0pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.20-0.3	0.49+0.1	0.40-4.5	4.91-0.4	5.31+5.3	0.02-0.1	0.160.0	0.16
FCF Margin	30.6%-4.1pp	34.6%-4.5pp	39.1%+11.5pp	27.6%+2.7pp	24.9%-9.6pp	34.6%+7.3pp	27.3%-6.4pp	33.7%

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Frequently Asked Questions

What is Northeast Cmnty Bancorp Inc's annual revenue?

Northeast Cmnty Bancorp Inc (NECB) reported $154.1M in total revenue for fiscal year 2025. This represents a -3.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Northeast Cmnty Bancorp Inc's revenue growing?

Northeast Cmnty Bancorp Inc (NECB) revenue declined by 3.7% year-over-year, from $160.0M to $154.1M in fiscal year 2025.

Is Northeast Cmnty Bancorp Inc profitable?

Yes, Northeast Cmnty Bancorp Inc (NECB) reported a net income of $44.4M in fiscal year 2025, with a net profit margin of 28.8%.

How much debt does Northeast Cmnty Bancorp Inc have?

As of fiscal year 2025, Northeast Cmnty Bancorp Inc (NECB) had $81.2M in cash and equivalents against $70.0M in long-term debt.

What is Northeast Cmnty Bancorp Inc's net profit margin?

Northeast Cmnty Bancorp Inc (NECB) had a net profit margin of 28.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Northeast Cmnty Bancorp Inc pay dividends?

Yes, Northeast Cmnty Bancorp Inc (NECB) paid $1.00 per share in dividends during fiscal year 2025.

What is Northeast Cmnty Bancorp Inc's return on equity (ROE)?

Northeast Cmnty Bancorp Inc (NECB) has a return on equity of 12.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Northeast Cmnty Bancorp Inc's free cash flow?

Northeast Cmnty Bancorp Inc (NECB) generated $50.8M in free cash flow during fiscal year 2025. This represents a 5.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Northeast Cmnty Bancorp Inc's operating cash flow?

Northeast Cmnty Bancorp Inc (NECB) generated $52.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Northeast Cmnty Bancorp Inc's total assets?

Northeast Cmnty Bancorp Inc (NECB) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Northeast Cmnty Bancorp Inc's capital expenditures?

Northeast Cmnty Bancorp Inc (NECB) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Northeast Cmnty Bancorp Inc buy back shares?

Yes, Northeast Cmnty Bancorp Inc (NECB) spent $1.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Northeast Cmnty Bancorp Inc have outstanding?

Northeast Cmnty Bancorp Inc (NECB) had 14M shares outstanding as of fiscal year 2025.

What is Northeast Cmnty Bancorp Inc's debt-to-equity ratio?

Northeast Cmnty Bancorp Inc (NECB) had a debt-to-equity ratio of 0.20 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Northeast Cmnty Bancorp Inc's return on assets (ROA)?

Northeast Cmnty Bancorp Inc (NECB) had a return on assets of 2.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Northeast Cmnty Bancorp Inc's Piotroski F-Score?

Northeast Cmnty Bancorp Inc (NECB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Northeast Cmnty Bancorp Inc's earnings high quality?

Northeast Cmnty Bancorp Inc (NECB) has an earnings quality ratio of 1.18x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Northeast Cmnty Bancorp Inc?

Northeast Cmnty Bancorp Inc (NECB) scores 66 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.