NorthEast Community BancorpNECB +0.64%81 OCF Margin % is 41.87% as of Mar. 2026, which is 5% above its 10-year median of 39.87. 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 1,501 Banks companies, NorthEast Community Bancorp ranks better than 73.42% 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's OCF 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 OCF Margin % of 41.87% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on NorthEast Community Bancorp and its competitors. This is near median its historical median of 39.87. Over the past decade, NorthEast Community Bancorp's OCF Margin % has ranged from 21.40 to 50.16. According to the industry distribution chart, NorthEast Community Bancorp ranks #399 out of 1501 companies in the Banks industry, placing it in the top 26.6%.
Is NorthEast Community Bancorp's OCF Margin % too high?
NorthEast Community Bancorp's current OCF Margin % of 41.87% is near median its 10-year median of 39.87. Over the past 10 years, this metric has ranged from a low of 21.40 to a high of 50.16. The Banks industry median OCF Margin % is 29.44. NorthEast Community Bancorp's value of 41.87% is 42.2% above this industry median. Based on the distribution chart, NorthEast Community Bancorp ranks #399 out of 1501 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 OCF Margin % compare to WSBF and BCML?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #399 out of 1501 companies for OCF Margin %. This puts NorthEast Community Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. NorthEast Community Bancorp's value of 41.87% is 42.2% above this benchmark. Historically, NorthEast Community Bancorp's own OCF Margin % has ranged from 21.40 to 50.16 over the past decade. While the company's 10-year median is 39.87 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NorthEast Community Bancorp's current OCF Margin % of 41.87% is 42.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current OCF Margin % is 41.87%, which is near median its own 10-year median of 39.87. 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 OCF Margin % is 41.87%, which is near median its 10-year median of 39.87 and 42.2% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current OCF Margin % is 41.87% 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:
OCF Margin %: 41.87% (near median its 10-year median of 39.87)
GF Value™: $22.26 vs. price of $26.81 (20.4% above fair value)
Industry Position: 42.2% above the Banks median (#399 of 1501)
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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