Northeast Community Bancorp, Inc. (NECB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$29.87+2.33%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -8.2% |
| Our one-year growth estimate | diamond | -14.0% |
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 2026-11-04.
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 5.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is on a run of consecutive earnings misses and is a smaller-cap name (higher miss base rate). A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
NECB — earnings miss
Dated 2026-10-23
Results of Operations and Financial Condition . On October 22, 2026, NorthEast Community Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the three and nine months ended September 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: Net interest income was $24.7 million in Q2 and $26.1 million in Q3. A new decline would point to pressure on income from lending and funding.
Worry ifNet interest income in the next quarter falls below the Q2 level of $24.7 million.
Less concerning ifNet interest income stays above $24.7 million and rises from the Q3 level of $26.1 million.
Why it matters: Borrowings fell to zero by Q3, but brokered CDs rose $201.8 million from year-end. More brokered funding could weaken progress on funding costs.
Worry ifBrokered CDs rise above about $572 million, their September 30 balance. Total borrowings stay at zero.
Less concerning ifBrokered CDs fall below their September 30 balance. Borrowings stay at zero.
Why it matters: Third-quarter net income fell to $10.7 million from $11.9 million a year earlier. Another drop would extend the weak earnings trend.
Worry ifIn the next report, quarterly net income is below $10.7 million or below the same quarter a year earlier.
Less concerning ifQuarterly net income rises above $11.9 million, the Q3 result from a year earlier.
Why it matters: Construction loans rose $207.3 million in the first nine months. Continued growth would support management’s main lending focus.
Supportive ifAt the next results, construction loans are above the September 30 balance, and total loan growth stays positive.
Worry ifConstruction loans fall below the September 30 balance, or total loans decline from $2.0 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 | ±$65 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $220 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $938 loss on $10,000 · 9.4% | 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.