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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. NorthEast Community Bancorp's Total Liabilities for the quarter that ended in Jun. 2026 was $1,752.6 Mil. NorthEast Community Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $2,115.2 Mil.
Therefore, NorthEast Community Bancorp's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.83.
NorthEast Community Bancorp (NAS:NECB) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
NorthEast Community Bancorp Liabilities-to-Assets Related Terms
NorthEast Community Bancorp Liabilities-to-Assets 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.
NorthEast Community Bancorp Liabilities-to-Assets Chart
NECB vs MVBF, WSBF, RVRF: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, NorthEast Community Bancorp's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's Liabilities-to-Assets falls into.
NorthEast Community Bancorp Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
NorthEast Community Bancorp's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.83 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on NorthEast Community Bancorp and its competitors.
Is NorthEast Community Bancorp's Liabilities-to-Assets too high?
NorthEast Community Bancorp's current Liabilities-to-Assets is 0.83. 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 Liabilities-to-Assets compare to MVBF and WSBF?
NorthEast Community Bancorp's Liabilities-to-Assets of 0.83 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on NorthEast Community Bancorp and its competitors. NorthEast Community Bancorp's current Liabilities-to-Assets is 0.83. 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 $22.04, compared to a current price of $26.77 — trading 21.5% above its estimated fair value. The current Liabilities-to-Assets is 0.83. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Liabilities-to-Assets is 0.83 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 $26.77 is trading 21.5% above its estimated GF Value™ of $22.04.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
Liabilities-to-Assets: 0.83
GF Value™: $22.04 vs. price of $26.77 (21.5% 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.
78GF Score
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