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NorthEast Community BancorpNECB +0.24%78 Debt-to-Equity is 0.07 as of Mar. 2026, which is 59% below its 10-year median of 0.17. GuruFocus rates NECB with a GF Score™ of 78/100 and a GF Value™ of $22.03 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,421 Banks companies, NorthEast Community Bancorp ranks better than 52.43% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for NorthEast Community Bancorp's Debt-to-Equity or its related term are showing as below:
NECB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.17 Max: 0.64
Current: 0.54
During the past 13 years, the highest Debt-to-Equity Ratio of NorthEast Community Bancorp was 0.64. The lowest was 0.01. And the median was 0.17.
NECB's Debt-to-Equity is ranked better than 52.43% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs NECB: 0.54
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
NorthEast Community Bancorp Debt-to-Equity Related Terms
NorthEast Community Bancorp Debt-to-Equity Historical Data
* 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.
NECB vs MVBF, WSBF, RVRF: Debt-to-Equity Comparison
For the Banks - Regional subindustry, NorthEast Community Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's Debt-to-Equity falls into.
* 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 (NECB) has a Debt-to-Equity of 0.07 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NorthEast Community Bancorp and its competitors. This is 59% below median its historical median of 0.17. Over the past decade, NorthEast Community Bancorp's Debt-to-Equity has ranged from 0.01 to 0.64. According to the industry distribution chart, NorthEast Community Bancorp ranks #676 out of 1421 companies in the Banks industry, placing it in the top 47.6%.
Is NorthEast Community Bancorp's Debt-to-Equity too high?
NorthEast Community Bancorp's current Debt-to-Equity of 0.07 is 59% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.64. The Banks industry median Debt-to-Equity is 0.58. NorthEast Community Bancorp's value of 0.07 is 87.9% below this industry median. Based on the distribution chart, NorthEast Community Bancorp ranks #676 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, NorthEast Community Bancorp has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NorthEast Community Bancorp's Debt-to-Equity compare to MVBF and WSBF?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #676 out of 1421 companies for Debt-to-Equity. This puts NorthEast Community Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.58. NorthEast Community Bancorp's value of 0.07 is 87.9% below this benchmark. Historically, NorthEast Community Bancorp's own Debt-to-Equity has ranged from 0.01 to 0.64 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.58, NorthEast Community Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NorthEast Community Bancorp's current Debt-to-Equity of 0.07 is 87.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current Debt-to-Equity is 0.07, which is 59% below median its own 10-year median of 0.17. 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 $22.03, compared to a current price of $26.90 — trading 22.1% above its estimated fair value. The current Debt-to-Equity is 0.07, which is 59% below median its 10-year median of 0.17 and 87.9% below the Banks industry median of 0.58. NorthEast Community Bancorp's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Debt-to-Equity is 0.07 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 $26.90 is trading 22.1% above its estimated GF Value™ of $22.03.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
Debt-to-Equity: 0.07 (59% below median its 10-year median of 0.17)
GF Value™: $22.03 vs. price of $26.90 (22.1% above fair value)
Industry Position: 87.9% below the Banks median (#676 of 1421)
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 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.
78GF Score
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