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NECB

NorthEast Community BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Strong credit metrics, high capital levels, continued loan growth, and a focused construction-lending niche support a constructive medium-term case. Management characterized demand as robust.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Cash and cash equivalents declined 9.6% while funding loan growth.
Momentum
54
Value
64
Sentiment
69
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $29.75 · Bull $33.00 · Bear $23.50Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $29.75
Why
Momentum54 · Δ7d -
Value64 · Δ7d 0.0
Sentiment69 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Cash and cash equivalents declined 9.6% while funding loan growth.
  • • Interest-rate volatility affected securities valuation.
  • • The Q2 EPS and revenue miss, year-over-year earnings decline, unfavorable pre-release estimate-revision trend, and limited analyst coverage weaken near-term conviction.

Catalyst clock

2026-07-24

Mixed Q2 earnings follow-up

Lead driver: Sentiment · See AI snapshot
Momentum
54
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
69
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 54.2 / Value 64.4 / Sentiment 68.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
0%
Probability
Target price
$33.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
1%
Probability
Target price
$29.75
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
0%
Probability
Target price
$23.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$368.52M
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data