Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Northeast Community Bancorp, Inc. (NECB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$29.00-2.91%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.99 → 3.94 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for NECB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain net income near $10M next quarter | A primary condition in Northeast Community Bancorp, Inc.'s published investment case. The stated target is >= $9.95M. | Intact | Net income falls below $9.95M next quarter | Net income: $9.795M FY2026-Q2; GAAP. Published target: >= $9.95M. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 20269,795,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
NECB is a small-cap financial company with a multi-year view tied to loan growth, funding costs, and the broader Financials sector. The thesis is on watch: management has delivered on its construction-lending focus, but recent financial performance is below its industry cohort and the company has reported three consecutive earnings misses.
NECB is rated cheap versus peers, with a small expectations gap and low fragility in what is priced in. That suggests expectations are not demanding, though the valuation case alone does not resolve the recent execution concerns.
Near term, the run of earnings misses and smaller company size raise the chance of another miss, so the next results warrant attention. Over the multi-year view, construction commitments and loans-in-process grew about 18.2% year over year, and total loans grew by $160.0 million; borrowings fell to zero by the third quarter while deposits increased, though brokered certificates of deposit also rose.
The thesis depends on whether construction lending can keep supporting loan growth and whether lower borrowing remains durable without greater reliance on brokered deposits. Sector conditions also matter: continued strength from HDB, IBN, and USB could support the Financials backdrop, while misses or lower guidance from those companies could weaken it; rate cuts from the current 3.88% are another stated risk.
For the next one to three years, NECB has a cheap-versus-peers valuation and evidence of progress on lending priorities, but the earnings-miss streak and mixed funding progress leave execution unresolved. The multi-year thesis hinges on sustained loan growth, funding discipline, and the sector backdrop. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Northeast Community Bancorp has stable cash flow from operations near $10M to $15M. |
| Intact |
| Operating cash flow falls below $10M next quarter |
Cash from operations: $12.796M FY2026-Q2; GAAP. Published target: >= $10M. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 202612,796,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain revenue near $36M next quarter | A primary condition in Northeast Community Bancorp, Inc.'s published investment case. The stated target is >= $35.97M. | Broken | Revenue falls below $35.97M next quarter | Revenue: $36.06M FY2026-Q2; GAAP. Published target: >= $35.97M. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 202636,060,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.34 → $3.94 · observed estimates
$0.12B → $0.13B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.34 | $119,653,000 | 1 / 1 |
| 2026-07-25 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-07-26 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-07-27 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-07-28 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-07-29 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-07-30 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-07-31 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-08-01 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-02 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-08-03 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-04 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-08-05 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-08-06 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-07 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-08 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-08-09 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-10 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-08-12 | $3.57 | $113,616,500 | 1 / 2 |
| 2026-08-13 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-14 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-15 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-16 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-17 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-18 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-19 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-20 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-21 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-22 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-23 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-24 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-25 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-26 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-27 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-28 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-29 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-30 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-08-31 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-01 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-02 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-03 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-04 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-05 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-06 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-07 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-08 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-09 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-10 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-11 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-12 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-13 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-14 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-15 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-16 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-17 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-18 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-19 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-20 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-21 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-22 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-23 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-24 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-25 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-26 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-27 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-28 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-29 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-09-30 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-10-01 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-10-02 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-10-03 | $3.28 | $119,653,000 | 1 / 1 |
| 2026-10-04 | $2.99 | $119,653,000 | 1 / 1 |
| 2026-10-05 | $2.99 | $119,653,000 | 1 / 1 |
| 2026-10-06 | $2.99 | $119,653,000 | 1 / 1 |
| 2026-10-07 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-08 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-09 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-10 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-11 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-12 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-13 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-14 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-15 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-16 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-17 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-18 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-19 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-20 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-21 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-22 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-23 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-24 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-25 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-26 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-27 | $3.49 | $125,969,000 | 1 / 1 |
| 2026-10-28 | $3.94 | $125,969,000 | 1 / 1 |
| 2026-10-29 | $3.94 | $125,969,000 | 1 / 1 |
| 2026-10-30 | $3.94 | $125,969,000 | 1 / 1 |
| 2026-10-31 | $3.94 | $125,969,000 | 1 / 1 |
| 2026-11-01 | $3.94 | $125,969,000 | 1 / 1 |
| 2026-11-02 | $3.94 | $125,969,000 | 1 / 1 |
| 2026-11-03 | $3.94 | $125,969,000 | 1 / 1 |
| 2026-11-04 | $3.94 | $125,969,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.