Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
NorthEast Community Bancorp (NAS:NECB) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
NorthEast Community Bancorp Effective Interest Rate on Debt % Related Terms
NorthEast Community Bancorp Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for NorthEast Community Bancorp's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
NECB vs FCBM, PKBK, AVBC: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, NorthEast Community Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 94.39% mean?
NorthEast Community Bancorp (NECB) has a Effective Interest Rate on Debt % of 94.39% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on NorthEast Community Bancorp and its competitors.
Is NorthEast Community Bancorp's Effective Interest Rate on Debt % too high?
NorthEast Community Bancorp's current Effective Interest Rate on Debt % is 94.39%. 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 Effective Interest Rate on Debt % compare to FCBM and PKBK?
NorthEast Community Bancorp's Effective Interest Rate on Debt % of 94.39% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on NorthEast Community Bancorp and its competitors. NorthEast Community Bancorp's current Effective Interest Rate on Debt % is 94.39%. 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 $26.70 — trading 21.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 94.39%. NorthEast Community Bancorp's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Effective Interest Rate on Debt % is 94.39% 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 $26.70 is trading 21.3% above its estimated GF Value™ of $22.01.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
Effective Interest Rate on Debt %: 94.39%
GF Value™: $22.01 vs. price of $26.70 (21.3% above fair value)
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.
82GF Score
Get the complete analysis for NECB
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NECB has been successfully added to your 
