NorthEast Community Bancorp (NECB)
Market Price (2/11/2026): $24.43 | Market Cap: $323.7 MilSector: Financials | Industry: Regional Banks
NorthEast Community Bancorp (NECB)
Market Price (2/11/2026): $24.43Market Cap: $323.7 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 17%, Dividend Yield is 3.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 13%, FCF Yield is 15% | Trading close to highsDist 52W High is -1.6% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.6%, Rev Chg QQuarterly Revenue Change % is -2.4% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 50%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 48% | Key risksNECB key risks include [1] a heavy concentration in construction and commercial real estate loans, Show more. | |
| Low stock price volatilityVol 12M is 29% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 17%, Dividend Yield is 3.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 13%, FCF Yield is 15% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 50%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 48% |
| Low stock price volatilityVol 12M is 29% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Trading close to highsDist 52W High is -1.6% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.6%, Rev Chg QQuarterly Revenue Change % is -2.4% |
| Key risksNECB key risks include [1] a heavy concentration in construction and commercial real estate loans, Show more. |
Qualitative Assessment
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NorthEast Community Bancorp (NECB) stock has gained about 25% since 10/31/2025 because of the following key factors:
1. Robust Asset Quality and Strong Financial Performance. NorthEast Community Bancorp demonstrated strong financial health, reporting a return on average total assets ratio of 2.11% and a return on average shareholders' equity ratio of 12.32% for the quarter ended December 31, 2025. Notably, the company successfully eliminated non-performing assets, bringing them down to $0 at December 31, 2025, a significant improvement from $5.1 million at December 31, 2024. This strong asset quality and efficient operations contributed to investor confidence.
2. Announcement of a Significant Stock Repurchase Program. On December 10, 2025, NorthEast Community Bancorp initiated its third stock repurchase program, authorizing the buyback of 1,400,435 shares, representing 10% of the company's issued and outstanding common stock. Such a substantial share repurchase authorization signals management's belief in the company's undervaluation and its commitment to enhancing shareholder value.
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1. Robust Asset Quality and Strong Financial Performance. NorthEast Community Bancorp demonstrated strong financial health, reporting a return on average total assets ratio of 2.11% and a return on average shareholders' equity ratio of 12.32% for the quarter ended December 31, 2025. Notably, the company successfully eliminated non-performing assets, bringing them down to $0 at December 31, 2025, a significant improvement from $5.1 million at December 31, 2024. This strong asset quality and efficient operations contributed to investor confidence.
2. Announcement of a Significant Stock Repurchase Program. On December 10, 2025, NorthEast Community Bancorp initiated its third stock repurchase program, authorizing the buyback of 1,400,435 shares, representing 10% of the company's issued and outstanding common stock. Such a substantial share repurchase authorization signals management's belief in the company's undervaluation and its commitment to enhancing shareholder value.
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Stock Movement Drivers
Fundamental Drivers
The 25.5% change in NECB stock from 10/31/2025 to 2/10/2026 was primarily driven by a 28.2% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2102026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.47 | 24.43 | 25.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 102 | 102 | -0.6% |
| Net Income Margin (%) | 43.7% | 43.1% | -1.2% |
| P/E Multiple | 5.8 | 7.4 | 28.2% |
| Shares Outstanding (Mil) | 13 | 13 | -0.3% |
| Cumulative Contribution | 25.5% |
Market Drivers
10/31/2025 to 2/10/2026| Return | Correlation | |
|---|---|---|
| NECB | 25.5% | |
| Market (SPY) | 1.5% | 27.5% |
| Sector (XLF) | 2.3% | 38.4% |
Fundamental Drivers
The 21.6% change in NECB stock from 7/31/2025 to 2/10/2026 was primarily driven by a 29.0% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2102026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.09 | 24.43 | 21.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 103 | 102 | -1.7% |
| Net Income Margin (%) | 44.8% | 43.1% | -3.7% |
| P/E Multiple | 5.7 | 7.4 | 29.0% |
| Shares Outstanding (Mil) | 13 | 13 | -0.5% |
| Cumulative Contribution | 21.6% |
Market Drivers
7/31/2025 to 2/10/2026| Return | Correlation | |
|---|---|---|
| NECB | 21.6% | |
| Market (SPY) | 9.8% | 38.1% |
| Sector (XLF) | 2.6% | 52.0% |
Fundamental Drivers
The 3.1% change in NECB stock from 1/31/2025 to 2/10/2026 was primarily driven by a 16.8% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2102026 | Change |
|---|---|---|---|
| Stock Price ($) | 23.70 | 24.43 | 3.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 104 | 102 | -2.6% |
| Net Income Margin (%) | 46.9% | 43.1% | -8.1% |
| P/E Multiple | 6.3 | 7.4 | 16.8% |
| Shares Outstanding (Mil) | 13 | 13 | -1.3% |
| Cumulative Contribution | 3.1% |
Market Drivers
1/31/2025 to 2/10/2026| Return | Correlation | |
|---|---|---|
| NECB | 3.1% | |
| Market (SPY) | 16.0% | 48.8% |
| Sector (XLF) | 5.1% | 56.9% |
Fundamental Drivers
The 72.7% change in NECB stock from 1/31/2023 to 2/10/2026 was primarily driven by a 81.4% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312023 | 2102026 | Change |
|---|---|---|---|
| Stock Price ($) | 14.15 | 24.43 | 72.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 56 | 102 | 81.4% |
| Net Income Margin (%) | 37.1% | 43.1% | 16.2% |
| P/E Multiple | 10.6 | 7.4 | -30.1% |
| Shares Outstanding (Mil) | 16 | 13 | 17.2% |
| Cumulative Contribution | 72.7% |
Market Drivers
1/31/2023 to 2/10/2026| Return | Correlation | |
|---|---|---|
| NECB | 72.7% | |
| Market (SPY) | 76.6% | 40.6% |
| Sector (XLF) | 53.2% | 53.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| NECB Return | 7% | 39% | 20% | 42% | -4% | 10% | 168% |
| Peers Return | 48% | 11% | -3% | 30% | 14% | 18% | 178% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 2% | 85% |
Monthly Win Rates [3] | |||||||
| NECB Win Rate | 83% | 75% | 75% | 67% | 50% | 100% | |
| Peers Win Rate | 67% | 48% | 47% | 60% | 58% | 100% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 100% | |
Max Drawdowns [4] | |||||||
| NECB Max Drawdown | -5% | -2% | -14% | -15% | -17% | -1% | |
| Peers Max Drawdown | -2% | -15% | -37% | -20% | -17% | -2% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: DCOM, HIFS, TRST, AMAL, ESQ.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/10/2026 (YTD)
How Low Can It Go
| Event | NECB | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -20.4% | -25.4% |
| % Gain to Breakeven | 25.6% | 34.1% |
| Time to Breakeven | 83 days | 464 days |
Compare to DCOM, HIFS, TRST, AMAL, ESQ
In The Past
NorthEast Community Bancorp's stock fell -20.4% during the 2022 Inflation Shock from a high on 2/17/2023. A -20.4% loss requires a 25.6% gain to breakeven.
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About NorthEast Community Bancorp (NECB)
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.
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Here are 1-2 brief analogies for NorthEast Community Bancorp (NECB):
- It's like a hyper-local Bank of America, focused on a specific geographic community for traditional banking services.
- Think of it as the Main Street equivalent of a regional bank like PNC, serving local residents and businesses.
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- Deposit Services: Accepting various types of checking, savings, money market, and certificate of deposit accounts from individuals and businesses.
- Residential Real Estate Loans: Providing financing for the purchase, refinance, or construction of one-to four-family residential properties.
- Multi-family Residential Loans: Offering financing for the acquisition, refinancing, and construction of apartment buildings and other multi-unit residential properties.
- Commercial Real Estate Loans: Lending funds for the acquisition, refinancing, and development of commercial properties such as offices, retail, and industrial spaces.
- Consumer Loans: Extending credit to individuals for various personal needs, often including home equity loans and other personal loans.
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NorthEast Community Bancorp (symbol: NECB) is a community bank holding company that primarily serves individuals and businesses within its local communities. Its major customer categories include:
Individual Consumers: This category includes individuals and households who utilize the bank's personal banking services, such as checking and savings accounts, money market accounts, certificates of deposit, residential mortgage loans, home equity loans, and other consumer loans.
Small to Medium-Sized Businesses (SMBs): This category encompasses local businesses seeking commercial banking services, including business deposit accounts, commercial and industrial (C&I) loans, business lines of credit, and other tailored financial solutions to support their operations and growth.
Real Estate Investors and Developers: This category includes individuals and businesses involved in real estate investment and development within the bank's market area, who are primary users of the bank's commercial real estate loans and construction loans for various property types.
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- Crowe LLP
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Kenneth A. Martinek, Chairman of the Board and Chief Executive Officer
Mr. Martinek has served as Chairman of the Board and Chief Executive Officer of NorthEast Community Bancorp since its formation in 2006. He has been with NorthEast Community Bank since 1976 and has served as its Chief Executive Officer since 1991, and President from 1991 until January 2013. His grandfather and great uncle founded the bank. Mr. Martinek successfully completed the Company's minority stock offering in 2006 and the Company's 2021 second step conversion and public offering.
Donald S. Hom, Executive Vice President, Principal Accounting Officer and Chief Financial Officer
Mr. Hom joined NorthEast Community Bancorp and NorthEast Community Bank in 2007 and has served as Chief Financial Officer since 2013. Prior to his tenure at NorthEast Community Bancorp, Mr. Hom served for 23 years as a bank examiner and financial analyst for a Federal banking regulatory agency. He also spent six years as the chief executive officer of a New Jersey community bank.
Jose M. Collazo, Director; President and Chief Operating Officer
Mr. Collazo has served as President of NorthEast Community Bancorp and NorthEast Community Bank since January 2013 and Chief Operating Officer since February 2012. He joined NorthEast Community Bank in 1999 and previously held the role of Senior Vice President and Chief Information Officer from 2002 until February 2012.
Charles A. Martinek, Director; Senior Vice President and Chief Compliance Officer
Mr. Martinek serves as a Director, Senior Vice President, and Chief Compliance Officer of NorthEast Community Bank. He is the brother of Kenneth A. Martinek, the Chairman and CEO, and also serves on the board of directors.
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The key risks to NorthEast Community Bancorp (NECB) primarily stem from its concentrated loan portfolio and geographic operational footprint.
- Concentration in Construction Loans and Commercial Real Estate: A predominant risk for NECB is its heavy reliance on construction loans and commercial real estate. Construction loans constitute over three-fourths of the bank's loan portfolio, reaching 78.68% by the end of 2024. This high concentration exposes NECB to significant risk if there is a rise in defaults or foreclosures, particularly during an economic downturn. The bank's exposure to this segment is substantial, with construction loans representing 478% of its total risk-based capital as of December 31, 2023.
- Geographic Concentration: NECB's operations are geographically concentrated around the New York City and Boston metropolitan areas. This concentration means that challenging economic conditions or increased regulatory complexities within these specific regions would disproportionately impact the bank compared to more geographically diversified financial institutions.
- Declining Deposit Levels and Funding Diversification: NorthEast Community Bancorp experienced declines in total deposit levels by $155.0 million, or 9.3%, in the third quarter of 2025, largely due to reductions in certificates of deposit and savings account balances. This necessitated an increase in borrowings to $170.0 million, indicating a strategic shift to diversify funding sources and manage funding costs. This trend suggests a risk related to maintaining stable and low-cost deposit funding.
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The primary clear emerging threat to NorthEast Community Bancorp, as a traditional community bank, stems from the rapid growth and increasing sophistication of fintech companies and digital-only banks (neobanks). These entities offer a significantly different value proposition:
- Enhanced Digital Experience: Neobanks provide mobile-first, user-friendly interfaces, often with faster onboarding, streamlined transactions, and advanced budgeting tools that appeal to digitally native generations. This directly challenges the traditional branch-based model and potentially superior digital offerings of community banks.
- Lower Fees and Innovative Products: Many fintech challengers operate with lower overheads, allowing them to offer accounts with fewer or no monthly fees, and to innovate rapidly with new products and services tailored to specific customer segments (e.g., gig workers, young professionals).
- Increased Competition from Big Tech: Large technology companies like Apple, Google, and Amazon are increasingly encroaching on traditional banking services, offering payment solutions, credit products, and even partnering with banks to offer checking accounts. Leveraging their massive user bases and data, they pose a significant threat by disintermediating traditional banks from their customers.
These developments are akin to Netflix's disruption of Blockbuster or Uber's impact on traditional taxis, where a new business model and technology fundamentally change customer expectations and preferences for accessing services, potentially eroding the market share and relevance of established players over time.
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NorthEast Community Bancorp (NECB) operates primarily in New York and Massachusetts, offering a range of financial products and services, including various types of loans and deposit services.
The addressable markets for NECB's main products and services are primarily within the Northeastern United States, specifically focusing on its operating regions in New York and Massachusetts.
- Commercial Real Estate Lending (including Construction Loans): The Northeast commercial real estate market saw a total sales volume of $2.01 billion in the second quarter of 2025. NECB specializes in commercial real estate loans, including multi-family, mixed-use properties, and commercial buildings, with a significant concentration in construction loans. The multifamily sector within the Northeast commercial real estate market is noted for robust tenant demand and stability. The broader U.S. commercial real estate market was valued at $718.2 billion in 2024 and is projected to reach $991.7 billion by 2033.
- Residential Mortgage Lending: The U.S. home mortgage market was estimated at approximately $180.91 billion in 2023 and is projected to grow to about $501.67 billion by 2032. While this is a national figure, Eastern states are anticipated to deliver strong returns on investment within this market. Northeast housing markets have shown significant increases in down payments, indicating heightened competition and demand. Home prices in the Northeast have remained strong, even as overall U.S. home prices have cooled due to increased inventory.
- Deposits: The total domestic deposits across all U.S. banks represent a substantial market, with major banks holding trillions in deposits (e.g., JPMorgan Chase had over $2 trillion in deposits as of March 2025). For community banks and thrifts in the Northeast, deposit growth has shown strength, with an annualized growth rate of 8.12% at the end of the third quarter (on a linked-quarter basis) and 6.22% over the prior year in 2015.
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NorthEast Community Bancorp (NECB) is expected to drive future revenue growth over the next 2-3 years through a continued focus on its specialized lending programs, strategic geographic market expansion, and effective management of its loan portfolio and interest rate environment. Here are 3-5 expected drivers of future revenue growth: * Growth in Construction Lending: NorthEast Community Bancorp has consistently emphasized its strong performance and ongoing focus on construction lending, particularly in high-demand, high-absorption sub-markets. This specialized area of lending is a key component of its loan portfolio, accounting for a significant portion of its total loans. Continued strong demand in these construction markets is anticipated to drive future loan originations and, consequently, interest income. * Expansion of Cooperative and Multi-family Lending Programs: The company has reported growth in its New York City cooperative corporation lending program and its multi-family lending initiatives across Eastern Massachusetts. These programs represent targeted efforts to expand its loan portfolio within specific, attractive real estate segments, contributing to sustained revenue growth. * Maintaining Strong Loan Demand and Commitments: Despite economic uncertainties and a high-interest rate environment, NorthEast Community Bancorp has reported strong loan demand and robust outstanding unfunded commitments. The ability to translate these commitments into funded loans will be a significant driver of interest income and overall revenue. * Strategic Management of Net Interest Margin in a Changing Rate Environment: While recent reports have indicated some pressure on net interest margin due to interest rate fluctuations, effective management of funding costs and asset yields will be crucial. As the interest rate environment potentially stabilizes or changes, the company's ability to optimize its net interest margin will directly impact its net interest income, a primary component of revenue.AI Analysis | Feedback
Share Repurchases
- NorthEast Community Bancorp completed its first stock repurchase program on April 14, 2023, having repurchased 1,637,794 shares, or 10% of its issued and outstanding common stock, at a total cost of $23.0 million, including commission costs and Federal excise taxes.
- The Company commenced a second stock repurchase program on May 30, 2023, authorizing the repurchase of 1,509,218 shares, or 10% of its issued and outstanding common stock.
- As of September 30, 2025, 1,091,174 shares had been repurchased under the second stock repurchase program.
Share Issuance
- As of February 3, 2025, a conversion offering estimated the aggregate pro forma valuation of shares to be issued and outstanding at $78,715,570 at the midpoint, representing 7,871,557 shares at $10.00 per share. This offering included newly-issued shares from the MHC's ownership interest and exchange shares for existing public shareholders.
Outbound Investments
- The Company purchased $3.0 million in equity securities during the nine months ended September 30, 2025, contributing to an increase in equity securities to $25.5 million from $22.0 million at December 31, 2024.
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 43.17 |
| Mkt Cap | 0.9 |
| Rev LTM | 162 |
| Op Inc LTM | - |
| FCF LTM | 49 |
| FCF 3Y Avg | 51 |
| CFO LTM | 55 |
| CFO 3Y Avg | 55 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.2% |
| Rev Chg 3Y Avg | 7.4% |
| Rev Chg Q | 13.7% |
| QoQ Delta Rev Chg LTM | 3.3% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 39.2% |
| CFO/Rev 3Y Avg | 35.1% |
| FCF/Rev LTM | 36.6% |
| FCF/Rev 3Y Avg | 32.4% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.9 |
| P/S | 4.3 |
| P/EBIT | - |
| P/E | 14.8 |
| P/CFO | 12.5 |
| Total Yield | 8.0% |
| Dividend Yield | 1.5% |
| FCF Yield 3Y Avg | 9.5% |
| D/E | 0.3 |
| Net D/E | -0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 9.6% |
| 3M Rtn | 18.6% |
| 6M Rtn | 22.3% |
| 12M Rtn | 18.1% |
| 3Y Rtn | 56.9% |
| 1M Excs Rtn | 9.9% |
| 3M Excs Rtn | 17.5% |
| 6M Excs Rtn | 20.4% |
| 12M Excs Rtn | 3.4% |
| 3Y Excs Rtn | -12.8% |
Price Behavior
Price Behavior
| Market Price | $24.43 | |
| Market Cap ($ Bil) | 0.3 | |
| First Trading Date | 07/13/2021 | |
| Distance from 52W High | -1.6% | |
| 50 Days | 200 Days | |
| DMA Price | $23.03 | $21.71 |
| DMA Trend | up | up |
| Distance from DMA | 6.1% | 12.5% |
| 3M | 1YR | |
| Volatility | 26.1% | 29.0% |
| Downside Capture | -23.38 | 79.02 |
| Upside Capture | 91.51 | 71.39 |
| Correlation (SPY) | 23.4% | 48.4% |
NECB Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.23 | 0.45 | 0.71 | 1.04 | 0.75 | 0.75 |
| Up Beta | 2.67 | 1.80 | 1.56 | 2.21 | 0.60 | 0.66 |
| Down Beta | 0.02 | 0.78 | 0.77 | 0.91 | 0.89 | 0.88 |
| Up Capture | 36% | 54% | 107% | 86% | 62% | 48% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 10 | 19 | 33 | 67 | 128 | 384 |
| Down Capture | -92% | -71% | -7% | 60% | 91% | 89% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 22 | 28 | 58 | 121 | 354 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NECB | |
|---|---|---|---|---|
| NECB | 3.4% | 28.9% | 0.11 | - |
| Sector ETF (XLF) | 4.4% | 19.2% | 0.10 | 57.0% |
| Equity (SPY) | 16.3% | 19.3% | 0.65 | 48.4% |
| Gold (GLD) | 76.7% | 25.0% | 2.25 | -2.8% |
| Commodities (DBC) | 9.4% | 16.6% | 0.37 | 12.2% |
| Real Estate (VNQ) | 6.5% | 16.6% | 0.21 | 44.0% |
| Bitcoin (BTCUSD) | -27.3% | 44.7% | -0.58 | 14.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NECB | |
|---|---|---|---|---|
| NECB | 21.6% | 25.1% | 0.84 | - |
| Sector ETF (XLF) | 14.0% | 18.7% | 0.61 | 41.5% |
| Equity (SPY) | 14.1% | 17.0% | 0.66 | 31.9% |
| Gold (GLD) | 22.1% | 16.9% | 1.06 | 2.2% |
| Commodities (DBC) | 11.3% | 18.9% | 0.48 | 5.6% |
| Real Estate (VNQ) | 5.3% | 18.8% | 0.19 | 29.0% |
| Bitcoin (BTCUSD) | 13.4% | 57.9% | 0.45 | 9.2% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NECB | |
|---|---|---|---|---|
| NECB | 10.3% | 25.1% | 0.84 | - |
| Sector ETF (XLF) | 14.2% | 22.2% | 0.59 | 41.5% |
| Equity (SPY) | 15.7% | 17.9% | 0.75 | 31.9% |
| Gold (GLD) | 15.7% | 15.5% | 0.84 | 2.2% |
| Commodities (DBC) | 8.4% | 17.6% | 0.39 | 5.6% |
| Real Estate (VNQ) | 6.2% | 20.7% | 0.27 | 29.0% |
| Bitcoin (BTCUSD) | 68.8% | 66.7% | 1.08 | 9.2% |
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Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/30/2026 | |||
| 10/24/2025 | -3.5% | -6.3% | -2.8% |
| 7/25/2025 | -1.8% | -10.3% | 0.2% |
| 4/22/2025 | 0.4% | 6.5% | 6.1% |
| 1/31/2025 | -1.6% | -0.3% | -8.1% |
| 10/29/2024 | -0.5% | -1.3% | 11.6% |
| 7/24/2024 | -1.9% | 1.4% | -2.4% |
| 4/26/2024 | 0.1% | 4.5% | 7.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 5 | 7 | 13 |
| # Negative | 13 | 11 | 5 |
| Median Positive | 0.4% | 4.5% | 3.1% |
| Median Negative | -1.3% | -1.5% | -5.9% |
| Max Positive | 2.3% | 6.5% | 11.6% |
| Max Negative | -4.2% | -10.3% | -8.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/14/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/28/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/10/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 03/30/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| 03/31/2022 | 05/13/2022 | 10-Q |
| 12/31/2021 | 03/30/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cavanaugh, Diane B | Direct | Sell | 12122025 | 23.60 | 1,000 | 23,598 | 155,936 | Form | |
| 2 | Hom, Donald S | EVP and CFO | Direct | Sell | 12122025 | 23.76 | 2,000 | 47,520 | 183,285 | Form |
| 3 | Martinek, Charles A | Direct | Sell | 12112025 | 23.47 | 2,000 | 46,935 | 11,616 | Form | |
| 4 | Hom, Donald S | EVP and CFO | Direct | Sell | 10292025 | 20.23 | 2,000 | 40,454 | 116,487 | Form |
| 5 | Hom, Donald S | EVP and CFO | IRA | Sell | 10292025 | 20.15 | 2,000 | 40,303 | 180,396 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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