NECB (NorthEast Community Bancorp) Moat Score: 2/10 (As of Jul. 01, 2026)


NECB NorthEast Community Bancorp Inc NECB
81 GF Score
Price $28.28
GF Value $22.28
Valuation Modestly Overvalued
! 6 Warning Signs
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What is NorthEast Community Bancorp Moat Score?

NorthEast Community Bancorp NECB +1.95% 81 Moat Score is 2 as of Jul. 01, 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. Among 1,611 Banks companies, NorthEast Community Bancorp ranks better than 59.84% on this metric.

NorthEast Community Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

NorthEast Community Bancorp has No Moat: NECB operates in a highly competitive banking sector with limited differentiation. It lacks significant market share, customer switching costs, or proprietary technology. Regulatory barriers are standard, and there is no strong brand or pricing power evident.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes NorthEast Community Bancorp might have No Moat - Very weak/transient advantages.

NorthEast Community Bancorp  (NAS:NECB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

NorthEast Community Bancorp Moat Score Related Terms

NECB vs FCBM, PKBK, AVBC: Moat Score Comparison

For the Banks - Regional subindustry, NorthEast Community Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where NorthEast Community Bancorp's Moat Score falls into.


NECB
81GF Score
NorthEast Community Bancorp Inc NECB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
NorthEast Community Bancorp (NECB) has a Moat Score of 2 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, NorthEast Community Bancorp ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is NorthEast Community Bancorp's Moat Score too high?
NorthEast Community Bancorp's current Moat Score is 2. Based on the distribution chart, NorthEast Community Bancorp ranks #647 out of 1611 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 Moat Score compare to FCBM and PKBK?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #647 out of 1611 companies for Moat Score. This puts NorthEast Community Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. NorthEast Community Bancorp's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Moat Score is 2 as of Jul. 01, 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:

  • Moat Score: 2
  • 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

Address 325 Hamilton Avenue, White Plains, NY, USA, 10601
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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$28.28
Price
$22.28
GF Value