NECB (NorthEast Community Bancorp) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is NorthEast Community Bancorp LT-Debt-to-Total-Asset?

NorthEast Community Bancorp NECB +1.95% 81 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates NECB with a GF Score™ of 81/100 and a GF Value™ of $22.28 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. NorthEast Community Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

NorthEast Community Bancorp's long-term debt to total assets ratio increased from Mar. 2025 (0.00) to Mar. 2026 (0.01). It may suggest that NorthEast Community Bancorp is progressively becoming more dependent on debt to grow their business.

NorthEast Community Bancorp (NAS:NECB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

NorthEast Community Bancorp LT-Debt-to-Total-Asset Related Terms

NorthEast Community Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for NorthEast Community Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

NorthEast Community Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.02

0.04

0.00

0.04

NorthEast Community Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.07	0.09	0.04	0.01

81GF Score

NorthEast Community Bancorp Inc NECB

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NorthEast Community Bancorp LT-Debt-to-Total-Asset Calculation

NorthEast Community Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	75.23	/	2063.508
	=	0.04

NorthEast Community Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	25.077	/	2025.127
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

NorthEast Community Bancorp (NECB) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NorthEast Community Bancorp and its competitors.

Is NorthEast Community Bancorp's LT-Debt-to-Total-Asset too high?

NorthEast Community Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to FCBM and PKBK?

NorthEast Community Bancorp's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NorthEast Community Bancorp and its competitors. NorthEast Community Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 $22.28, compared to a current price of $28.28 — trading 26.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. NorthEast Community Bancorp's overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current LT-Debt-to-Total-Asset is 0.01 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 $28.28 is trading 26.9% above its estimated GF Value™ of $22.28. GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.

Key valuation signals for NECB:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $22.28 vs. price of $28.28 (26.9% above fair value)
GF Score™: 81/100 with 6 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies FCBM PKBK AVBC RVRF PCB MVBF USCB FNLC WSBF PLBC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 325 Hamilton Avenue, White Plains, NY, USA, 10601

Website https://www.necb.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.28

Price

$22.28

GF Value

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