NorthEast Community BancorpNECB -0.27%80 EV-to-FCF is 6.56 as of Jun. 29, 2026, which is 39% below its 10-year median of 10.75. GuruFocus rates NECB with a GF Score™ of 80/100 and a GF Value™ of $22.26 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, NorthEast Community Bancorp ranks worse than 50.25% on this metric.
The historical rank and industry rank for NorthEast Community Bancorp's EV-to-FCF or its related term are showing as below:
NECB'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.68 Med: 10.75 Max: 111.61
Current: 6.56
During the past 13 years, the highest EV-to-FCF of NorthEast Community Bancorp was 111.61. The lowest was 1.68. And the median was 10.75.
NECB's EV-to-FCF is ranked worse than 50.25% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs NECB: 6.56
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
NorthEast Community Bancorp (NAS:NECB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
NorthEast Community Bancorp's PE Ratio (TTM) for today is calculated as:
NorthEast Community Bancorp's share price for today is $27.73.
NorthEast Community Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.220.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
NorthEast Community Bancorp EV-to-FCF Related Terms
NorthEast Community Bancorp EV-to-FCF 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.
For the Banks - Regional subindustry, NorthEast Community Bancorp's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's EV-to-FCF falls into.
NorthEast Community Bancorp's current Enterprise Value is $331.9 Mil.
NorthEast Community Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $50.6 Mil.
* 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 EV-to-FCF of 6.56 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NorthEast Community Bancorp and its competitors. This is 39% below median its historical median of 10.75. Over the past decade, NorthEast Community Bancorp's EV-to-FCF has ranged from 1.68 to 111.61. According to the industry distribution chart, NorthEast Community Bancorp ranks #601 out of 1196 companies in the Banks industry, placing it in the top 50.3%.
Is NorthEast Community Bancorp's EV-to-FCF too high?
NorthEast Community Bancorp's current EV-to-FCF of 6.56 is 39% below median its 10-year median of 10.75. Over the past 10 years, this metric has ranged from a low of 1.68 to a high of 111.61. The Banks industry median EV-to-FCF is 6.56. NorthEast Community Bancorp's value of 6.56 is 0.1% above this industry median. Based on the distribution chart, NorthEast Community Bancorp ranks #601 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, NorthEast Community Bancorp has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NorthEast Community Bancorp's EV-to-FCF compare to FCBM and PKBK?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #601 out of 1196 companies for EV-to-FCF. This places NorthEast Community Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. NorthEast Community Bancorp's value of 6.56 is 0.1% above this benchmark. Historically, NorthEast Community Bancorp's own EV-to-FCF has ranged from 1.68 to 111.61 over the past decade. While the company's 10-year median is 10.75 vs. the industry median of 6.56, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NorthEast Community Bancorp's current EV-to-FCF of 6.56 is 0.1% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current EV-to-FCF is 6.56, which is 39% below median its own 10-year median of 10.75. 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 $22.26, compared to a current price of $27.73 — trading 24.6% above its estimated fair value. The current EV-to-FCF is 6.56, which is 39% below median its 10-year median of 10.75 and 0.1% above the Banks industry median of 6.56. NorthEast Community Bancorp's overall GF Score™ is 80/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current EV-to-FCF is 6.56 as of Jun. 29, 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 $27.73 is trading 24.6% above its estimated GF Value™ of $22.26.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
EV-to-FCF: 6.56 (39% below median its 10-year median of 10.75)
GF Value™: $22.26 vs. price of $27.73 (24.6% above fair value)
Industry Position: 0.1% above the Banks median (#601 of 1196)
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.
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