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NorthEast Community Bancorp Inc. (NECB) Dividend Safety Gauge & 10-Year DRIP Compounder

$29.38 +1.63% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.54

NorthEast Community Bancorp Inc. (NECB) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $398.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NECB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NECB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, NorthEast Community Bancorp Inc. (NASDAQ: NECB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $29.38 (+1.63% 1D, market cap $398.0M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, NECB ranks #91 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NECB compare to TSBK and PBFS in the Financials sector?
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Within the Financials sector (Banks), NECB carries a Roarable B- (71/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 12.6%. By comparison, TSBK (Timberland Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 12.6x, ROIC 10.9%, cap $364.1M) and PBFS (Pioneer Bancorp Inc.) posts a D+ grade (55/100 RQD, P/E 22.2x, ROIC 6.3%, cap $447.9M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NECB?
▼

Per NECB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001847398), NorthEast Community Bancorp Inc. generated $866.7M in revenue (+2.7% YoY), $44.4M in net income, and $50.8M in free cash flow against $2.06B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $29.54 (+0.53%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 5.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510071
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B+ · Rk C
Cash (15)Whales (14)SEC (13)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+5.9% Base Target
$37 Bull$31 Base$24 Bear
📬 FREE NECB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NECB)Realized 20D OHLCV Swing Band: ±5.4%
Deterministic 5-Pillar Attribution (71/100 Composite)
🔍 WHY NECB SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 5.9% FCF Margin ($50.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (63.6) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
63
Grade C+$27.80+1.3% Next Q
Q2 (-2Q)
66
Grade B-$28.15+1.3% Next Q
Q3 (-1Q)
68
Grade B-$28.52+3% Next Q
Current
71
Grade B-$29.38+6.8% Hist 90D α
Trajectory: C+ (63) → B- (71)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NECB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, NECB faces multiple-compression risk if 9.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.26) or 200D SMA ($25.54) invalidates the momentum regime and cuts Target Base ($31.10) toward Bear Floor ($24.09).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NECB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NECB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 71%NO 29%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
5.14% Total Yield
3.34% Cash ($0.98/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
17% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (10.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $26,174

Est. Year-10 Shareholder Yield: $1,345/yr
$11.0K
Yr 1
$12.1K
Yr 2
$13.3K
Yr 3
$14.7K
Yr 4
$16.2K
Yr 5
$17.8K
Yr 6
$19.6K
Yr 7
$21.6K
Yr 8
$23.8K
Yr 9
$26.2K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in NECB & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on NECB and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NECB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.81%📐 HORIZONTAL RANGE
2026-11-03O $28.97H $29.38L $28.91C $29.38VOL 50.8K
RES: $31.25SUP: $25.58SMA50: $27.26SMA200: $25.54
$29.87$27.84$25.82$23.80$21.77RES $31.25SUP $25.58$29.382026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NECB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NECB Butterfly Map → + Track NECB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-3.2%/yr Implied 5Y Growth

vs. +2.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NECB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NECB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NECB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NECB)

Financials Rank #91 of 1097 ⚔️ TSBK vs NECB Full Matrix →

1. Head-to-Head Financials Peer Comparison (NECB vs. TSBK, PBFS, FSBW, AVBC)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, NorthEast Community Bancorp Inc. (NECB) ranks #91 by composite RQD confidence (71/100, grade B-) and #746 by equity capitalization ($398.0M). Within this direct 5-issuer industry benchmark cohort, NECB leads on earnings valuation at 9.0x trailing P/E, while NECB leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NECB currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NECB ACTIVE
NorthEast Community Bancorp Inc.
B- 71/100 9.0x — 12.6% +1.63% $398.0M Benchmark Subject
TSBK
Timberland Bancorp Inc.
C+ 69/100 12.6x — 10.9% +2.03% $364.1M /tsbk-vs-necb →
PBFS
Pioneer Bancorp Inc.
D+ 55/100 22.2x — 6.3% +2.33% $447.9M /pbfs-vs-necb →
FSBW
FS Bancorp Inc.
C+ 66/100 10.5x — 10.8% +0.32% $346.2M /fsbw-vs-necb →
AVBC
Avidia Bancorp Inc.
D+ 57/100 — — -0.9% +0.47% $469.3M /avbc-vs-necb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001847398 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NorthEast Community Bancorp Inc. (NECB) reported GAAP revenue of $866.7M (+2.7% vs. FY2024 revenue of $844.0M , and +316.2% cumulative change since FY2023) , GAAP net income of $44.4M, operating cash flow of $52.6M, and free cash flow of $50.8M (+5.5% YoY). On the balance sheet, NECB closed FY2025 with $2.06B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $866.7M $44.4M $52.6M $50.8M $2.06B —
FY2024 (FY) 2024-12-31 $844.0M $47.1M $48.7M $48.2M $2.01B —
FY2023 (FY) 2023-12-31 $208.2M $46.3M $42.8M $42.8M — —

3. NECB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NECB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, NorthEast Community Bancorp Inc. (NASDAQ: NECB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $29.38 (+1.63% 1D, market cap $398.0M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, NECB ranks #91 in composite RQD confidence.

How does NECB compare to TSBK and PBFS in the Financials sector?

Within the Financials sector (Banks), NECB carries a Roarable B- (71/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 12.6%. By comparison, TSBK (Timberland Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 12.6x, ROIC 10.9%, cap $364.1M) and PBFS (Pioneer Bancorp Inc.) posts a D+ grade (55/100 RQD, P/E 22.2x, ROIC 6.3%, cap $447.9M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NECB?

Per NECB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001847398), NorthEast Community Bancorp Inc. generated $866.7M in revenue (+2.7% YoY), $44.4M in net income, and $50.8M in free cash flow against $2.06B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NECB trading relative to its 50-day, 200-day, and 52-week technical levels?

NECB last traded at $29.38 (+1.63% on volume of 90,850 shares), positioning the stock +7.78% above its 50-day simple moving average ($27.26) and +15.04% above its 200-day simple moving average ($25.54). Across its 52-week range of $19.39 to $29.26, NECB sits at the 100.0% percentile with a 14-day RSI of 63.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.4% ($27.79 to $30.97).

Direct Sub-Reports: NECB RQD Cockpit NECB 12M Forecast NECB Earnings & Move NECB Dividends & DRIP NECB Insiders & 13F NECB Whale Options NECB Profit Sankey NECB News & Why
ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ SEC XBRL & RQD VERIFIED

NECB — NorthEast Community Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

NorthEast Community Bancorp Inc. (NECB) earns a live Roarable RQD composite score of 71/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $29.38 (+1.63% 1D, market capitalization $398.0M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 12.6%, gross margin of —, operating margin of —, and free cash flow yield of 12.75%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

NorthEast Community Bancorp Inc. (NECB) is a NASDAQ-listed issuer in the Financials sector, Banks industry. The profile does not describe its products, customers, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), NorthEast Community Bancorp Inc. (NECB) reported $866.7M in annual revenue (up from $844.0M in FY2024, +2.7% YoY) and $44.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($208.2M revenue, $46.3M net income) through FY2025, NECB scaled operating cash flow to $52.6M and free cash flow to $50.8M, backed by $2.06B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 71/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $19.39 – $29.26 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 9.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), NECB carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can NECB sustain or expand its — operating margin and 12.6% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $866.7M and free cash flow of $50.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is NECB's 8.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NECB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for NorthEast Community Bancorp Inc. (NECB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NECB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NECB Bull vs. Bear Conversation Board — What's Your Call at $29.38?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NECB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NECB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $34.40 (+19.0%)
📌 Pinned Debate

The RQD rating's insider conviction pillar scores 17 of 20 alongside a 12.75% FCF yield and a P/E of 9.

Don't sleep on NECB's setup in Financials. The RQD rating's insider conviction pillar scores 17 of 20 alongside a 12.75% FCF yield and a P/E of 9.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (71/100) backs up the fundamental quality.

ArenaChamp_24 🐂 BULL

@AlphaFlow_Cap Agree on the RQD 71/100 quality, though with 1.0 beta I'm scaling in with half-size at $28.91 and keeping dry powder in case we test $26.89.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $24.28 (-16.0%)
Spot @ $28.91

The Q3 earnings-miss headline and FY 2025 net income decline from $47.1M to $44.4M contrast with the Buy rating.

Sitting on the sidelines or leaning short NECB above $28.91. The Q3 earnings-miss headline and FY 2025 net income decline from $47.1M to $44.4M contrast with the Buy rating.. Until Fundamental Cash Engine (15/20) and FCF yield (12.75%) inflect higher, upside is capped near $29.26.

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