NorthEast Community BancorpNECB +0.64%81 FCF Margin % is 41.48% as of Mar. 2026, which is 22% above its 10-year median of 33.87. GuruFocus rates NECB with a GF Score™ of 81/100 and a GF Value™ of $22.26 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,504 Banks companies, NorthEast Community Bancorp ranks better than 74.34% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's FCF Margin % 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 FCF Margin % of 41.48% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NorthEast Community Bancorp and its competitors. This is 22% above median its historical median of 33.87. Over the past decade, NorthEast Community Bancorp's FCF Margin % has ranged from 8.83 to 48.55. According to the industry distribution chart, NorthEast Community Bancorp ranks #386 out of 1504 companies in the Banks industry, placing it in the top 25.7%.
Is NorthEast Community Bancorp's FCF Margin % too high?
NorthEast Community Bancorp's current FCF Margin % of 41.48% is 22% above median its 10-year median of 33.87. Over the past 10 years, this metric has ranged from a low of 8.83 to a high of 48.55. The Banks industry median FCF Margin % is 26.50. NorthEast Community Bancorp's value of 41.48% is 56.5% above this industry median. Based on the distribution chart, NorthEast Community Bancorp ranks #386 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, NorthEast Community Bancorp has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NorthEast Community Bancorp's FCF Margin % compare to WSBF and BCML?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #386 out of 1504 companies for FCF Margin %. This puts NorthEast Community Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. NorthEast Community Bancorp's value of 41.48% is 56.5% above this benchmark. Historically, NorthEast Community Bancorp's own FCF Margin % has ranged from 8.83 to 48.55 over the past decade. While the company's 10-year median is 33.87 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NorthEast Community Bancorp's current FCF Margin % of 41.48% is 56.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current FCF Margin % is 41.48%, which is 22% above median its own 10-year median of 33.87. 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 $26.81 — trading 20.4% above its estimated fair value. The current FCF Margin % is 41.48%, which is 22% above median its 10-year median of 33.87 and 56.5% above the Banks industry median of 26.50. NorthEast Community Bancorp's overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current FCF Margin % is 41.48% 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 $26.81 is trading 20.4% above its estimated GF Value™ of $22.26.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
FCF Margin %: 41.48% (22% above median its 10-year median of 33.87)
GF Value™: $22.26 vs. price of $26.81 (20.4% above fair value)
Industry Position: 56.5% above the Banks median (#386 of 1504)
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.
81GF Score
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