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NECB

NorthEast Community BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Construction commitments, currently clean reported nonperforming-loan metrics, substantial capital and discretionary repurchases support a cautiously constructive case. The Q2 release reported no nonperforming loans at June 30.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta 0.0.
What can break
Construction loans represented approximately $1.40 billion of $1.92 billion gross loans at June 30, making local property and project execution important credit risks. [#SEC-8K-2026-07-27]
Momentum
54
Value
64
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $29.00 · Bull $32.00 · Bear $23.00Analysis 2026-10-18; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-18 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $30.00
Why
Momentum54 · Δ7d -
Value64 · Δ7d 0.0
Sentiment56 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta 0.0.

Contradictions & invalidation

  • • Construction loans represented approximately $1.40 billion of $1.92 billion gross loans at June 30, making local property and project execution important credit risks. [#SEC-8K-2026-07-27]
  • • Deposits declined $80.4 million during the first half while borrowings rose $120 million; the funding substitution's future earnings benefit is unproven. [#SEC-8K-2026-07-27]
  • • Q2 diluted EPS and net interest margin declined year over year.

Catalyst clock

2026-10-22

Third-quarter earnings test loan growth against margin pressure

Lead driver: Value · See fundamentals
Momentum
54
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
64
47% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.1
Sentiment
56
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 54.2 / Value 64.1 / Sentiment 56.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-18. Scenario method

B+
Bull case
25%
Probability
Target price
$32.00
Analysis reference price unavailable
Analysis 2026-10-18 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$29.00
Analysis reference price unavailable
Analysis 2026-10-18 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-10-18 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$382.28M
Beta
0.41
Shares Out
13.77M
P/E (TTM)
7.1
P/S (TTM)
3.08
P/FCF (TTM)
8.58
Rev YoY
-4.6%
EPS YoY
-12.1%
Gross Margin
-
Op Margin
+39.3%
Net Debt
$64.77M
Current Ratio
0.26
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data