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NorthEast Community Bancorp (NAS:NECB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
NorthEast Community Bancorp Equity-to-Asset Related Terms
NorthEast Community Bancorp Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, NorthEast Community Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's Equity-to-Asset falls into.
NorthEast Community Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
NorthEast Community Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.17 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on NorthEast Community Bancorp and its competitors. This is near median its historical median of 0.17. Over the past decade, NorthEast Community Bancorp's Equity-to-Asset has ranged from 0.14 to 0.22. According to the industry distribution chart, NorthEast Community Bancorp ranks #141 out of 1525 companies in the Banks industry, placing it in the top 9.2%.
Is NorthEast Community Bancorp's Equity-to-Asset too high?
NorthEast Community Bancorp's current Equity-to-Asset of 0.17 is near median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.22. The Banks industry median Equity-to-Asset is 0.10. NorthEast Community Bancorp's value of 0.17 is 70% above this industry median. Based on the distribution chart, NorthEast Community Bancorp ranks #141 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Equity-to-Asset compare to MVBF and WSBF?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #141 out of 1525 companies for Equity-to-Asset. This places NorthEast Community Bancorp in the top 9% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. NorthEast Community Bancorp's value of 0.17 is 70% above this benchmark. Historically, NorthEast Community Bancorp's own Equity-to-Asset has ranged from 0.14 to 0.22 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.10, NorthEast Community Bancorp has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NorthEast Community Bancorp's current Equity-to-Asset of 0.17 is 70% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current Equity-to-Asset is 0.17, which is near 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 $22.05, compared to a current price of $26.41 — trading 19.8% above its estimated fair value. The current Equity-to-Asset is 0.17, which is near median its 10-year median of 0.17 and 70% above the Banks industry median of 0.10. NorthEast Community Bancorp's overall GF Score™ is 78/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Equity-to-Asset is 0.17 as of Jun. 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 $26.41 is trading 19.8% above its estimated GF Value™ of $22.05.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
Equity-to-Asset: 0.17 (near median its 10-year median of 0.17)
GF Value™: $22.05 vs. price of $26.41 (19.8% above fair value)
Industry Position: 70% above the Banks median (#141 of 1525)
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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