NorthEast Community Bancorp (NECB)


Market Price (8/8/2026): $26.64 | Market Cap: $349.9 MilSector: Financials | Industry: Regional Banks

NorthEast Community Bancorp (NECB)


Market Price (8/8/2026): $26.64
Market Cap: $349.9 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 16%, Dividend Yield is 4.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 12%, FCF Yield is 14%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 48%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 47%

Low stock price volatility
Vol 12M is 26%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.

Trading close to highs
Dist 52W High is -4.9%

Weak multi-year price returns
2Y Excs Rtn is -10%

Weak revenue growth
Rev Chg QQuarterly Revenue Change % is -2.5%

Key risks
NECB key risks include [1] a heavy concentration in construction and commercial real estate loans, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 16%, Dividend Yield is 4.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 12%, FCF Yield is 14%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 48%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 47%
2 Low stock price volatility
Vol 12M is 26%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.
4 Trading close to highs
Dist 52W High is -4.9%
5 Weak multi-year price returns
2Y Excs Rtn is -10%
6 Weak revenue growth
Rev Chg QQuarterly Revenue Change % is -2.5%
7 Key risks
NECB key risks include [1] a heavy concentration in construction and commercial real estate loans, Show more.

NECB in ETFs

Weight = NECB's share of each fund

ITOT0.00%
IWN0.02%
VTWO0.01%
DFAS0.01%
IWV0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 8/1/2026

NorthEast Community Bancorp (NECB) stock has gained about 10% since 4/30/2026 because of the following key factors:

1. Increased Quarterly Cash Dividend.

NorthEast Community Bancorp announced on June 18, 2026, an increase in its quarterly cash dividend to $0.25 per share, representing a 25% increase from the previous $0.20 per share, which signals strong financial health and a commitment to shareholder returns.

2. Robust Construction Lending Growth and Strong Asset Quality.

The company reported a significant year-over-year increase of approximately 38.9% in construction loan commitments and loans-in-process outstanding by the end of fiscal Q2 2026 (June 30, 2026), with over $883 million in total unfunded commitments. This growth, concentrated in high-demand submarkets, was complemented by exceptional asset quality, as NECB maintained zero non-performing loans and non-performing assets at June 30, 2026.

Show more
Updated on 8/1/2026

NorthEast Community Bancorp (NECB) stock has gained about 10% since 4/30/2026 because of the following key factors:

1. Increased Quarterly Cash Dividend.

NorthEast Community Bancorp announced on June 18, 2026, an increase in its quarterly cash dividend to $0.25 per share, representing a 25% increase from the previous $0.20 per share, which signals strong financial health and a commitment to shareholder returns.

2. Robust Construction Lending Growth and Strong Asset Quality.

The company reported a significant year-over-year increase of approximately 38.9% in construction loan commitments and loans-in-process outstanding by the end of fiscal Q2 2026 (June 30, 2026), with over $883 million in total unfunded commitments. This growth, concentrated in high-demand submarkets, was complemented by exceptional asset quality, as NECB maintained zero non-performing loans and non-performing assets at June 30, 2026.

3. Share Repurchase Program Activity.

Under its third stock repurchase program, NorthEast Community Bancorp repurchased 239,894 shares at a total cost of $5.6 million by June 30, 2026. This ongoing share repurchase activity demonstrates management's confidence in the company's valuation and provides support for the stock price.

4. Favorable Regional Banking Sector Performance.

The broader regional banking sector experienced a strong uptrend during the period, with the S&P Regional Banks Select Industry Index recording a 14.95% return for the three months ending June 30, 2026. This positive macroeconomic backdrop for regional banks likely contributed to NECB's stock appreciation.

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Stock Movement Drivers

Fundamental Drivers

The 12.2% change in NECB stock from 4/30/2026 to 8/7/2026 was primarily driven by a 15.5% change in the company's P/E Multiple.
(LTM values as of)43020268072026Change
Stock Price ($)23.7826.6812.2%
Change Contribution By: 
Total Revenues ($ Mil)105104-1.2%
Net Income Margin (%)42.4%40.9%-3.4%
P/E Multiple7.28.315.5%
Shares Outstanding (Mil)13131.7%
Cumulative Contribution12.2%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 8/7/2026
ReturnCorrelation
NECB12.2% 
Market (SPY)7.6%-3.6%
Sector (XLF)10.5%44.2%

Fundamental Drivers

The 15.0% change in NECB stock from 1/31/2026 to 8/7/2026 was primarily driven by a 17.8% change in the company's P/E Multiple.
(LTM values as of)13120268072026Change
Stock Price ($)23.1926.6815.0%
Change Contribution By: 
Total Revenues ($ Mil)104104-0.2%
Net Income Margin (%)42.2%40.9%-3.0%
P/E Multiple7.08.317.8%
Shares Outstanding (Mil)13130.9%
Cumulative Contribution15.0%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2026 to 8/7/2026
ReturnCorrelation
NECB15.0% 
Market (SPY)12.1%11.9%
Sector (XLF)8.3%40.4%

Fundamental Drivers

The 35.1% change in NECB stock from 7/31/2025 to 8/7/2026 was primarily driven by a 46.7% change in the company's P/E Multiple.
(LTM values as of)73120258072026Change
Stock Price ($)19.7526.6835.1%
Change Contribution By: 
Total Revenues ($ Mil)106104-1.8%
Net Income Margin (%)43.8%40.9%-6.6%
P/E Multiple5.68.346.7%
Shares Outstanding (Mil)13130.4%
Cumulative Contribution35.1%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2025 to 8/7/2026
ReturnCorrelation
NECB35.1% 
Market (SPY)23.4%25.2%
Sector (XLF)11.3%46.5%

Fundamental Drivers

The 82.3% change in NECB stock from 7/31/2023 to 8/7/2026 was primarily driven by a 33.8% change in the company's Total Revenues ($ Mil).
(LTM values as of)73120238072026Change
Stock Price ($)14.6426.6882.3%
Change Contribution By: 
Total Revenues ($ Mil)7710433.8%
Net Income Margin (%)41.9%40.9%-2.3%
P/E Multiple6.68.325.0%
Shares Outstanding (Mil)151311.5%
Cumulative Contribution82.3%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2023 to 8/7/2026
ReturnCorrelation
NECB82.3% 
Market (SPY)74.9%37.7%
Sector (XLF)70.4%52.0%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
NECB Return7%39%20%42%-4%22%198%
Peers Return48%11%-3%30%14%34%216%
S&P 500 Return27%-19%24%23%16%13%105%

Monthly Win Rates [3]
NECB Win Rate83%75%75%67%50%75% 
Peers Win Rate67%48%47%60%58%78% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
NECB Max Drawdown--15%-20%-21%-21%-9% 
Peers Max Drawdown-20%-23%-41%-22%-24%-14% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[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 8/7/2026 (YTD)

How Low Can It Go

EventNECBS&P 500
2025 US Tariff Shock
  % Loss-12.2%-18.8%
  % Gain to Breakeven13.9%23.1%
  Time to Breakeven27 days79 days
2023 SVB Regional Banking Crisis
  % Loss-19.5%-6.7%
  % Gain to Breakeven24.2%7.1%
  Time to Breakeven75 days31 days

Compare to DCOM, HIFS, TRST, AMAL, ESQ

In The Past

NorthEast Community Bancorp's stock fell -12.2% during the 2025 US Tariff Shock. Such a loss loss requires a 13.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

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Compare to DCOM, HIFS, TRST, AMAL, ESQ

In The Past

NorthEast Community Bancorp's stock fell -12.2% during the 2025 US Tariff Shock. Such a loss loss requires a 13.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About NorthEast Community Bancorp (NECB)

NorthEast Community Bancorp (NECB) operates as the holding company for NorthEast Community Bank, a financial institution primarily serving individuals and businesses. Its core business involves accepting various deposit instruments, such as checking, savings, money market, and demand accounts, and utilizing these funds to issue a diverse range of loans. These loans include construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate, and consumer loans.

Beyond traditional banking, NECB also engages in strategic investments in liquid assets like U.S. Treasury obligations, municipal securities, and federal agency securities. To further cater to its clientele, the bank provides investment advisory and financial planning services, along with offering life insurance products and fixed-rate annuities. Geographically, NorthEast Community Bank maintains a regional presence, operating ten full-service branches across New York and Massachusetts, supported by additional loan production offices, primarily serving communities in these two states.

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Here are 1-3 brief analogies for NorthEast Community Bancorp (NECB):

  • A local Bank of America for communities in New York and Massachusetts.
  • A community-focused Wells Fargo for New York and Massachusetts.

AI Analysis | Feedback

  • Deposit Accounts: Various instruments for customers to save and manage their money, including checking, savings, money market, and demand accounts.
  • Loan Products: Financial credit offered to individuals and businesses for diverse purposes such as construction, commercial ventures, real estate, and consumer needs.
  • Investment Advisory and Financial Planning Services: Professional guidance and planning assistance to help clients manage their investments and financial future.
  • Life Insurance Products and Fixed-Rate Annuities: Financial products providing protection against life's uncertainties and options for stable, guaranteed returns for retirement.

AI Analysis | Feedback

NorthEast Community Bancorp (NECB) serves a diverse customer base, primarily consisting of individuals and businesses within its operating regions in New York and Massachusetts. As a community bank, it does not typically have major customers that are large public companies; instead, its customer base is broad and encompasses the following categories:

  • Individual Customers: These customers utilize a range of personal financial services, including checking accounts, money market accounts, regular savings accounts, consumer loans, investment advisory services, financial planning, life insurance products, and fixed-rate annuities.
  • Commercial Businesses: This category includes various businesses that require financial services such as commercial and industrial loans, and non-interest bearing demand accounts, as well as other deposit instruments for their operational needs.
  • Real Estate Developers and Investors: A significant portion of NECB's lending activities is directed towards this segment, offering specialized financing like construction loans, multifamily and mixed-use real estate loans, and non-residential real estate loans.

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Kenneth A. Martinek, Chairman & CEO

Kenneth A. Martinek was appointed CEO in July 2006 and has a tenure of 19.67 years with NorthEast Community Bancorp. His grandfather and great uncle founded the bank, establishing a family legacy within the institution. Mr. Martinek directly owns 1.97% of the company's shares.

Donald S. Hom, Executive Vice President & CFO

Donald S. Hom serves as the Executive Vice President and Chief Financial Officer for NorthEast Community Bancorp. He sold 3,000 shares of the company's Common Stock on December 5, 2024.

Jose M. Collazo, President, COO & Director

Jose M. Collazo is the President, Chief Operating Officer, and a Director of NorthEast Community Bancorp, having been appointed in 2002.

Anne Stevenson-DeBlasi, VP & Corporate Secretary

Anne Stevenson-DeBlasi holds the titles of Vice President and Corporate Secretary within the company.

AI Analysis | Feedback

The key risks for NorthEast Community Bancorp (NECB) are primarily centered around its lending portfolio and geographic footprint:

  1. High Concentration in Construction Loans: NorthEast Community Bancorp has a significant portion of its loan portfolio concentrated in construction loans. For example, some reports indicate that construction loans constitute 485% of its total risk-based capital or 74% of its overall loan portfolio, which is considerably higher than many other banks. This high concentration exposes the bank to substantial risk if there is a downturn in the real estate or construction market, potentially leading to increased defaults and significant losses.
  2. Geographic Concentration: The bank's operations and loan book are heavily concentrated in specific regions, with 87.4% of its loans tied to New York properties and 9.8% to Massachusetts properties, particularly in the New York City metropolitan area. This limited geographic footprint makes the bank vulnerable to localized economic downturns, adverse changes in regional market conditions, or specific policy shifts within these concentrated areas.
  3. Sensitivity to Economic Downturns and Interest Rate Fluctuations: As a financial institution, NECB's profitability is sensitive to general economic conditions and changes in interest rates. A severe recession could exacerbate the risks associated with its concentrated construction loan portfolio, leading to higher loan defaults. Additionally, fluctuations in interest rates can impact the bank's net interest margin, affecting its overall profitability.

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The increasing competition from digital-only banks and financial technology (Fintech) companies, which offer comparable financial services through online and mobile platforms, often with lower overheads and a more streamlined customer experience, thereby challenging traditional branch-based banking models.

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Addressable Markets for NorthEast Community Bancorp (NECB) Main Products or Services:

  • Deposit Instruments (Checking accounts, Money Market accounts, Regular Savings accounts, Non-interest bearing demand accounts):

    • New York: Approximately $2.44 trillion (Total deposits in all FDIC-insured institutions as of June 30, 2024).
    • Massachusetts: Approximately $562.14 billion (Total deposits in all FDIC-insured institutions as of June 30, 2024).
    • Region: New York and Massachusetts, USA.
  • Life Insurance Products and Fixed-Rate Annuities:

    • Massachusetts: The market size of the Life Insurance & Annuities industry is $75.6 billion in 2026.
    • New York: The life insurance industry invests approximately $657 billion in New York's economy, and life insurers pay out $16.2 billion daily in life insurance and annuities to families and businesses. A specific market size for premiums or new business for life insurance and annuities in New York as a single dollar value for a defined period is not explicitly available in the provided search results.
    • Region: Massachusetts, USA (for market size); New York, USA (for industry investment and daily payouts).
  • Loans (Construction, Commercial and Industrial, Multifamily and Mixed-Use Real Estate, Non-Residential Real Estate, Consumer Loans):

    • Commercial Real Estate Loans (including Multifamily and Non-residential Real Estate): The total commercial real estate mortgage borrowing and lending in the U.S. was an estimated $498 billion in 2024. Specific market sizes for commercial real estate loans solely within New York and Massachusetts are not available in the provided search results.
    • Commercial and Industrial Loans: The commercial lending market in North America is projected to reach $2,892.50 billion by 2025. Specific market sizes for commercial and industrial loans solely within New York and Massachusetts are not available in the provided search results.
    • Consumer Loans: The U.S. personal loans market size was valued at $429.78 billion in 2025 and is projected to grow to $1,521.91 billion by 2034. Specific market sizes for consumer loans solely within New York and Massachusetts are not available in the provided search results.
    • Region: U.S. and North America (for available market sizes).
  • Investment Advisory and Financial Planning Services:

    • The U.S. Financial Advisory Market, in terms of assets under management, is expected to reach USD 90.54 trillion in 2025. The U.S. Financial Advisory Services Market size was USD 28.81 billion in 2025. Specific market sizes for investment advisory and financial planning services solely within New York and Massachusetts are not explicitly available in numerical form in the provided search results.
    • Region: U.S.

AI Analysis | Feedback

NorthEast Community Bancorp (NECB) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

  1. Loan Portfolio Growth and Diversification: The company is placing continued emphasis on increasing its loan originations, particularly in construction loans, as well as expanding its multi-family and commercial & industrial loan portfolios. This diversification and growth in lending activities are expected to be significant revenue contributors.
  2. Increased Deposit Inflows: Attracting new deposits is crucial for funding loan growth and managing the bank's loan-to-deposit ratio. NorthEast Community Bancorp has made progress in attracting new deposits, with efforts focused on increasing inflows of NOW/money market accounts and savings to enhance liquidity flexibility.
  3. Operational Investments and Expansion: To support its anticipated growth, particularly in its construction lending pipeline, NECB is investing in expanding its staffing, technology, and overall branch footprint. These operational enhancements are designed to facilitate and support future business expansion.
  4. Growth in Non-Interest Income: The bank is working to diversify its revenue streams beyond traditional interest income. Growth in non-interest income is expected to be driven by higher loan fees, service charges, and realized gains on equity securities.

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Share Repurchases

  • NorthEast Community Bancorp's Board of Directors authorized a third stock repurchase program on December 8, 2025, to acquire up to 1,400,435 shares, or 10% of the company's outstanding common stock.
  • Prior to this, a second stock repurchase program was announced on May 30, 2023.
  • Under the second stock repurchase program, the company repurchased 1,091,174 shares at an average cost of $15.78 per share before its expiration.

Share Issuance

  • In July 2021, a conversion closed where 9,784,077 shares were expected to be sold at $10.00 each, with public shareholders receiving 1.3400 shares of the new company stock for each share of the old company; the new stock began trading on Nasdaq on July 13, 2021.

Capital Expenditures

  • NorthEast Community Bancorp reported capital expenditures of approximately -$1.75 million in 2025, -$517 thousand in 2024, and -$626 thousand in 2023.
  • The company has focused on continued investments in staffing, technology, and branch capabilities to support its construction lending activities.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

NECBDCOMHIFSTRSTAMALESQMedian
NameNorthEas.Dime Com.Hingham .Trustco .Amalgama.Esquire . 
Mkt Price26.6840.32301.5755.0949.80131.3852.45
Mkt Cap0.41.70.71.01.51.11.0
Rev LTM104490121192361153173
Op Inc LTM-------
FCF LTM4819836591465959
FCF 3Y Avg4914025501274650
CFO LTM4920236681646466
CFO 3Y Avg5014525581345054

Growth & Margins

NECBDCOMHIFSTRSTAMALESQMedian
NameNorthEas.Dime Com.Hingham .Trustco .Amalgama.Esquire . 
Rev Chg LTM-0.8%36.7%60.0%9.3%12.6%18.5%15.5%
Rev Chg 3Y Avg5.8%9.0%20.9%-1.9%7.7%16.7%8.3%
Rev Chg Q-2.5%15.3%105.9%9.3%21.3%19.8%17.6%
QoQ Delta Rev Chg LTM-0.6%3.5%22.2%2.2%5.0%4.6%4.1%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM47.5%41.3%29.4%35.5%45.4%41.5%41.4%
CFO/Rev 3Y Avg47.8%36.0%30.3%31.7%40.8%37.4%36.7%
FCF/Rev LTM46.7%40.4%29.3%30.8%40.4%38.5%39.5%
FCF/Rev 3Y Avg46.9%34.6%29.9%27.4%38.6%34.5%34.5%

Valuation

NECBDCOMHIFSTRSTAMALESQMedian
NameNorthEas.Dime Com.Hingham .Trustco .Amalgama.Esquire . 
Mkt Cap0.41.70.71.01.51.11.0
P/S3.43.65.55.14.17.14.6
P/Op Inc-------
P/EBIT-------
P/E8.313.510.015.513.121.013.3
P/CFO7.18.618.614.49.117.111.7
Total Yield16.1%9.9%11.1%9.2%8.9%5.3%9.6%
Dividend Yield4.0%2.5%1.1%2.8%1.3%0.6%1.9%
FCF Yield 3Y Avg16.7%11.3%4.6%7.2%12.3%7.2%9.3%
D/E0.60.42.10.20.10.00.3
Net D/E0.3-1.11.6-0.1-0.6-0.4-0.3

Returns

NECBDCOMHIFSTRSTAMALESQMedian
NameNorthEas.Dime Com.Hingham .Trustco .Amalgama.Esquire . 
1M Rtn2.6%4.7%4.9%3.1%10.9%11.8%4.8%
3M Rtn10.1%9.0%6.6%13.1%18.8%23.2%11.6%
6M Rtn9.7%12.8%-9.1%21.5%21.7%14.3%13.5%
12M Rtn38.8%52.7%25.6%73.3%84.1%42.3%47.5%
3Y Rtn81.5%94.9%42.6%105.9%167.5%161.1%100.4%
1M Excs Rtn0.1%-0.6%0.9%-1.7%5.0%9.1%0.5%
3M Excs Rtn4.1%3.8%-0.4%8.8%13.5%16.9%6.5%
6M Excs Rtn-4.7%0.2%-22.1%7.0%10.6%1.7%1.0%
12M Excs Rtn12.9%28.8%2.2%50.1%61.7%18.2%23.5%
3Y Excs Rtn12.1%27.0%-30.1%35.0%99.6%99.0%31.0%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment1051061016546
Total1051061016546


Net Income by Segment
$ Mil202520242023
Single Segment444746
Total444746


Assets by Segment
$ Mil202520242023
Single Segment2,0642,0101,764
Total2,0642,0101,764


Price Behavior

Price Behavior
Market Price$26.68 
Market Cap ($ Bil)0.4 
First Trading Date07/13/2021 
Distance from 52W High-4.9% 
   50 Days200 Days
DMA Price$26.16$23.51
DMA Trendupup
Distance from DMA2.0%13.5%
 3M1YR
Volatility23.2%26.2%
Downside Capture-9.6640.93
Upside Capture33.5568.30
Correlation (SPY)-6.3%25.1%
NECB Betas & Captures as of 7/31/2026

 1M2M3M6M1Y3Y
Beta0.37-0.25-0.080.200.530.68
Up Beta-1.79-1.25-0.71-0.040.620.62
Down Beta0.41-0.53-0.35-0.280.280.78
Up Capture76%52%44%50%61%42%
Bmk +ve Days11223567138427
Stock +ve Days12253561127382
Down Capture121%-18%-5%34%56%83%
Bmk -ve Days11212859114326
Stock -ve Days10162663123358

[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
NECB35.3%26.3%1.12-
Sector ETF (XLF)12.3%14.6%0.5746.2%
Equity (SPY)23.3%12.8%1.3624.7%
Gold (GLD)28.5%28.4%0.87-3.3%
Commodities (DBC)32.9%19.8%1.32-26.9%
Real Estate (VNQ)14.2%13.8%0.7234.0%
Bitcoin (BTCUSD)-44.2%42.9%-1.2310.1%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with NECB
NECB24.5%24.9%0.86-
Sector ETF (XLF)11.4%18.4%0.4842.0%
Equity (SPY)13.5%17.2%0.6130.7%
Gold (GLD)18.6%18.6%0.810.9%
Commodities (DBC)8.2%19.6%0.310.4%
Real Estate (VNQ)2.3%18.9%0.0229.9%
Bitcoin (BTCUSD)8.8%53.0%0.3510.0%

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Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with NECB
NECB11.5%24.9%0.84-
Sector ETF (XLF)13.6%22.1%0.5641.4%
Equity (SPY)15.4%17.9%0.7330.4%
Gold (GLD)12.1%16.2%0.611.0%
Commodities (DBC)7.4%18.0%0.330.2%
Real Estate (VNQ)4.8%20.7%0.2029.7%
Bitcoin (BTCUSD)58.2%66.2%0.989.5%

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Short Interest

Short Interest: As Of Date7152026
Short Interest: Shares Quantity0.1 Mil
Short Interest: % Change Since 6302026-9.9%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest3.1 days
Basic Shares Quantity13.1 Mil
Short % of Basic Shares1.0%

Earnings Returns History

Updated 8/5/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/27/20262.8%0.5% 
4/30/20260.6%2.1%1.0%
1/30/20263.6%4.9%1.2%
10/24/2025-3.5%-6.3%-2.8%
7/25/2025-1.8%-10.3%0.2%
4/22/20250.4%6.5%6.1%
1/31/2025-1.6%-0.3%-8.1%
10/29/2024-0.5%-1.3%11.6%
...
SUMMARY STATS   
# Positive81014
# Negative13116
Median Positive0.6%3.6%2.4%
Median Negative-0.9%-1.5%-4.9%
Max Positive3.6%6.5%11.6%
Max Negative-4.2%-10.3%-8.1%
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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/27/20262.8%0.5% 
4/30/20260.6%2.1%1.0%
1/30/20263.6%4.9%1.2%
10/24/2025-3.5%-6.3%-2.8%
7/25/2025-1.8%-10.3%0.2%
4/22/20250.4%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%
4/26/20240.1%4.5%7.4%
2/5/2024-4.2%-4.2%-8.1%
10/30/2023-1.3%4.9%7.8%
7/27/2023-0.5%-1.5%0.1%
5/2/2023-0.8%-2.3%3.1%
2/1/2023-0.3%-1.2%1.0%
10/31/20222.3%4.8%9.8%
7/28/20220.6%2.7%3.4%
4/29/2022-0.9%-2.3%1.5%
2/8/20220.4%1.1%-5.9%
11/3/2021-0.8%-0.2%-3.9%
8/2/2021-0.4%-1.2%1.8%
SUMMARY STATS   
# Positive81014
# Negative13116
Median Positive0.6%3.6%2.4%
Median Negative-0.9%-1.5%-4.9%
Max Positive3.6%6.5%11.6%
Max Negative-4.2%-10.3%-8.1%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/07/202410-Q
06/30/202408/09/202410-Q
03/31/202405/09/202410-Q
12/31/202303/28/202410-K
09/30/202311/13/202310-Q
06/30/202308/10/202310-Q
03/31/202305/12/202310-Q
12/31/202203/30/202310-K
09/30/202211/10/202210-Q
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Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/07/202410-Q
06/30/202408/09/202410-Q
03/31/202405/09/202410-Q
12/31/202303/28/202410-K
09/30/202311/13/202310-Q
06/30/202308/10/202310-Q
03/31/202305/12/202310-Q
12/31/202203/30/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
03/31/202205/13/202210-Q
12/31/202103/30/202210-K
09/30/202111/12/202110-Q
06/30/202108/13/202110-Q
03/31/202106/28/202110-Q
09/30/201511/13/201510-Q
06/30/201508/14/201510-Q
03/31/201505/15/201510-Q
12/31/201403/31/201510-K
09/30/201411/14/201410-Q
06/30/201408/14/201410-Q

Insider Activity

Updated 7/29/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Hom, Donald SEVP and CFODirectSell729202627.203,00081,593128,210Form
2Cirillo, Charles Michael DirectSell313202622.943,56681,804133,167Form
3McKenzie, John F DirectSell306202623.853,00071,550387,539Form
4Hom, Donald SEVP and CFODirectSell1212202523.762,00047,520183,285Form
5Cavanaugh, Diane B DirectSell1212202523.601,00023,598155,936Form
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#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Hom, Donald SEVP and CFODirectSell729202627.203,00081,593128,210Form
2Cirillo, Charles Michael DirectSell313202622.943,56681,804133,167Form
3McKenzie, John F DirectSell306202623.853,00071,550387,539Form
4Hom, Donald SEVP and CFODirectSell1212202523.762,00047,520183,285Form
5Cavanaugh, Diane B DirectSell1212202523.601,00023,598155,936Form
6Martinek, Charles A DirectSell1211202523.472,00046,93511,616Form
7Hom, Donald SEVP and CFODirectSell1029202520.232,00040,454116,487Form
8Hom, Donald SEVP and CFOIRASell1029202520.152,00040,303180,396Form
9Collazo, Jose MPresident and COODirectSell827202522.335,441121,492209,267Form
10Hom, Donald SEVP and CFODirectSell813202522.051,00022,045171,047Form
Core Cache Last Updated: 8/7/2026