NECB (NorthEast Community Bancorp) Cyclically Adjusted FCF per Share: $1.86 (As of Mar. 2026)


NECB NorthEast Community Bancorp Inc NECB
82 GF Score
Price $26.00
GF Value $22.01
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is NorthEast Community Bancorp Cyclically Adjusted FCF per Share?

NorthEast Community Bancorp NECB -2.80% 82 Cyclically Adjusted FCF per Share is $1.86 as of Mar. 2026. GuruFocus rates NECB with a GF Score™ of 82/100 and a GF Value™ of $22.01 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

NorthEast Community Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.764. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.86 for the trailing ten years ended in Mar. 2026.

During the past 12 months, NorthEast Community Bancorp's average Cyclically Adjusted FCF Growth Rate was 34.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 43.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 53.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of NorthEast Community Bancorp was 59.20% per year. The lowest was 43.40% per year. And the median was 57.50% per year.

As of today (2026-07-08), NorthEast Community Bancorp's current stock price is $26.00. NorthEast Community Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $1.86. NorthEast Community Bancorp's Cyclically Adjusted Price-to-FCF of today is 13.98.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of NorthEast Community Bancorp was 92.78. The lowest was 11.83. And the median was 23.28.


NorthEast Community Bancorp  (NAS:NECB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

NorthEast Community Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=26.00/1.86
=13.98

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of NorthEast Community Bancorp was 92.78. The lowest was 11.83. And the median was 23.28.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


NorthEast Community Bancorp Cyclically Adjusted FCF per Share Related Terms


NorthEast Community Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for NorthEast Community Bancorp's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NorthEast Community Bancorp Cyclically Adjusted FCF per Share Chart

NorthEast Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.31 0.59 0.86 1.25 1.74

NorthEast Community Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.38 1.49 1.66 1.74 1.86

NECB vs FCBM, PKBK, AVBC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, NorthEast Community Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


NorthEast Community Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where NorthEast Community Bancorp's Cyclically Adjusted Price-to-FCF falls into.


NECB
82GF Score
NorthEast Community Bancorp Inc NECB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

NorthEast Community Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, NorthEast Community Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.764/330.2130*330.2130
=0.764

Current CPI (Mar. 2026) = 330.2130.

NorthEast Community Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201306 0.170 233.504 0.240
201309 -0.049 234.149 -0.069
201312 -0.020 233.049 -0.028
201403 0.173 236.293 0.242
201406 0.111 238.343 0.154
201409 -0.001 238.031 -0.001
201412 0.068 234.812 0.096
201503 0.009 236.119 0.013
201506 0.044 238.638 0.061
201509 0.103 237.945 0.143
201512 -0.014 236.525 -0.020
201612 0.000 241.432 0.000
201712 0.000 246.524 0.000
201812 0.000 251.233 0.000
201912 0.000 256.974 0.000
202003 0.291 258.115 0.372
202006 0.282 257.797 0.361
202009 0.564 260.280 0.716
202012 0.051 260.474 0.065
202103 0.251 264.877 0.313
202106 -0.120 271.696 -0.146
202109 0.311 274.310 0.374
202112 0.498 278.802 0.590
202203 -0.068 287.504 -0.078
202206 0.352 296.311 0.392
202209 0.437 296.808 0.486
202212 0.796 296.797 0.886
202303 0.739 301.836 0.808
202306 0.467 305.109 0.505
202309 0.861 307.789 0.924
202312 0.882 306.746 0.949
202403 0.973 312.332 1.029
202406 0.834 314.175 0.877
202409 1.062 315.301 1.112
202412 0.742 315.605 0.776
202503 0.779 319.799 0.804
202506 1.096 322.561 1.122
202509 0.998 324.800 1.015
202512 0.858 324.054 0.874
202603 0.764 330.213 0.764

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $1.86 mean?
NorthEast Community Bancorp (NECB) has a Cyclically Adjusted FCF per Share of $1.86 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on NorthEast Community Bancorp and its competitors.
Is NorthEast Community Bancorp's Cyclically Adjusted FCF per Share too high?
NorthEast Community Bancorp's current Cyclically Adjusted FCF per Share is $1.86. Overall, NorthEast Community Bancorp has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NorthEast Community Bancorp's Cyclically Adjusted FCF per Share compare to FCBM and PKBK?
NorthEast Community Bancorp's Cyclically Adjusted FCF per Share of $1.86 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on NorthEast Community Bancorp and its competitors. NorthEast Community Bancorp's current Cyclically Adjusted FCF per Share is $1.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NorthEast Community Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NorthEast Community Bancorp (NECB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.01, compared to a current price of $26.00 — trading 18.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $1.86. NorthEast Community Bancorp's overall GF Score™ is 82/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Cyclically Adjusted FCF per Share is $1.86 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NorthEast Community Bancorp (NECB) Overvalued in 2026?

Based on GuruFocus' analysis, NorthEast Community Bancorp stock appears to be overvalued. The current stock price of $26.00 is trading 18.1% above its estimated GF Value™ of $22.01. GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.

Key valuation signals for NECB:

  • Cyclically Adjusted FCF per Share: $1.86
  • GF Value™: $22.01 vs. price of $26.00 (18.1% above fair value)
  • GF Score™: 82/100 with 6 warning signs

No single metric tells the full story. See the NECB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


NorthEast Community Bancorp Business Description

Address 325 Hamilton Avenue, White Plains, NY, USA, 10601
NorthEast Community Bancorp Inc operates as a community-oriented financial institution. It is principally engaged in the business of attracting deposits and investing those funds into mortgage and commercial loans. It conducts activities throughout the Northeastern United States, including New York, Massachusetts, New Jersey, and Connecticut. The company offers a comprehensive line of banking products and services, including mobile banking as well as commercial real estate loans, commercial construction financing, lines of credit, and term loans. It also offers investment advisory and financial planning services.
82GF Score

Get the complete analysis for NECB

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.00
Price
$22.01
GF Value