NorthEast Community Bancorp Inc. Common Stock (NECB)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like NorthEast Community Bancorp first through price versus book and the quality of its loan book. The shares closed at $27.80 on 2026-10-13, giving a market value of $382.7M. FairStock calculates a P/E of 8.94 and a P/B of 0.95, so the market is paying roughly book value for a bank earning a 12.13% return on equity. That combination—around book value with double-digit ROE—is the sort of starting point Graham would notice, though a bank is only as good as its underwriting.

In plain English: NorthEast Community Bancorp is a small regional bank that takes deposits and makes loans, mostly to businesses and for real estate. The business earns a decent profit and pays a solid dividend, but recent quarterly profit slipped from a year earlier. At the recent price, the stock looks reasonably priced rather than obviously cheap or expensive, assuming its loans stay healthy.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer