NECB

NorthEast Community BancorpB

Nasdaq / Banks

At close

2026-07-21

Current thesis

Material NIM expansion, modest loan growth, stable credit, and successful capital actions (dividends/buybacks or accretive M&A) drive earnings and multiple expansion toward the bull target (30.0) within the 12-month horizon; requires clear outperformance versus consensus.

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-23.

What can break

Compression of net interest margin if short-term rates move unfavorably

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $22.82 · Bull $30.00 · Bear $17.00

Earnings

2026-07-23

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-02-05 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $29.75

Why

Momentum54 · Δ7d -

Value64 · Δ7d -0.0

Sentiment45 · Δ7d -

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

+0.0

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade B. Momentum 54.2 / Value 64.4 / Sentiment 44.8

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$368.87M

Beta

0.41

Shares Out

13.82M

P/E (TTM)

7.1

P/S (TTM)

3.08

P/FCF (TTM)

8.58

Rev YoY

-5.7%

EPS YoY

-5.6%

Gross Margin

Op Margin

+58.9%

Net Debt

$64.77M

Current Ratio

0.30

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology