Northeast Community Bancorp, Inc. (NECB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$27.17+1.00%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NECB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -35.9% |
| Our one-year growth estimate | diamond | -15.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 20.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
NECB — earnings miss
Dated 2026-07-27
Results of Operations and Financial Condition . On July 24, 2026, NorthEast Community Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the three and six months ended June 30, 2026. A copy of the Company’s press release is attached as Exhibit 99.1 and is furnished herewith. The information contained in this
Why it matters: A smaller drop in interest income shows better control of loan yields. This helps profits.
Supportive ifInterest income declines less than 5% year over year.
Worry ifInterest income declines more than 10% year over year.
Why it matters: Revenue growth trends are key for the financial sector. A drop signals weakening performance.
Worry ifRevenue growth falls below the median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
Why it matters: Changes in interest rates can impact the bank's net interest income and profits. Investors should watch these decisions closely.
Watch forFOMC raises interest rates by more than 25 basis points.
Also watch forFOMC keeps interest rates unchanged or lowers them.
Why it matters: A big drop in deposits could hurt liquidity and funding. This raises worries about the bank's financial health.
Worry ifTotal deposits decrease by more than 1% from the reported $1.6 billion.
Less concerning ifTotal deposits go up or stay steady above $1.6 billion.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$86 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $244 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,035 loss on $10,000 · 10.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A fall in operating income shows problems with making revenue and managing costs.
Worry ifOperating income was below $14 million for Q3.
Less concerning ifOperating income stays above $15 million for Q3.
Why it matters: Strong growth in construction loans shows demand in key markets. This supports management's focus on growth.
Supportive ifConstruction loan commitments and loans in process are up more than 35% from last year.
Worry ifGrowth in construction loan commitments falls below 30% YoY.
Why it matters: A drop in net income may show weaker performance. This can hurt investor confidence.
Worry ifNet income for Q3 is reported below $9 million.
Less concerning ifNet income for Q3 remains above $10 million.
Why it matters: A big drop in deposits may mean liquidity problems. This can affect lending ability.
Worry ifTotal deposits decrease by more than 5% compared to the previous quarter.
Less concerning ifTotal deposits increase or decrease less than 5% compared to the previous quarter.
Why it matters: A drop in cash flow from operations may show trouble managing liquidity.
Worry ifCash flow from operations is below $12 million.
Less concerning ifCash flow from operations is above $13 million.