NorthEast Community BancorpNECB -2.42%81 Return-on-Tangible-Equity is 11.25% as of Mar. 2026, which is 17% above its 10-year median of 9.64. GuruFocus rates NECB with a GF Score™ of 81/100 and a GF Value™ of $22.01 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, NorthEast Community Bancorp ranks better than 59.29% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. NorthEast Community Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $39.8 Mil. NorthEast Community Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $354.0 Mil. Therefore, NorthEast Community Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.25%.
The historical rank and industry rank for NorthEast Community Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
NECB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.73 Med: 9.64 Max: 17.1
Current: 12.76
During the past 13 years, NorthEast Community Bancorp's highest Return-on-Tangible-Equity was 17.10%. The lowest was 4.73%. And the median was 9.64%.
NECB's Return-on-Tangible-Equity is ranked better than 59.29% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs NECB: 12.76
NorthEast Community Bancorp (NAS:NECB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
NorthEast Community Bancorp Return-on-Tangible-Equity Related Terms
NorthEast Community Bancorp Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
NECB vs FCBM, PKBK, AVBC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, NorthEast Community Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.25% mean?
NorthEast Community Bancorp (NECB) has a Return-on-Tangible-Equity of 11.25% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on NorthEast Community Bancorp and its competitors. This is 17% above median its historical median of 9.64. Over the past decade, NorthEast Community Bancorp's Return-on-Tangible-Equity has ranged from 4.73 to 17.10. According to the industry distribution chart, NorthEast Community Bancorp ranks #620 out of 1523 companies in the Banks industry, placing it in the top 40.7%.
Is NorthEast Community Bancorp's Return-on-Tangible-Equity too high?
NorthEast Community Bancorp's current Return-on-Tangible-Equity of 11.25% is 17% above median its 10-year median of 9.64. Over the past 10 years, this metric has ranged from a low of 4.73 to a high of 17.10. The Banks industry median Return-on-Tangible-Equity is 11.19. NorthEast Community Bancorp's value of 11.25% is 0.5% above this industry median. Based on the distribution chart, NorthEast Community Bancorp ranks #620 out of 1523 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 Return-on-Tangible-Equity compare to FCBM and PKBK?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #620 out of 1523 companies for Return-on-Tangible-Equity. This puts NorthEast Community Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. NorthEast Community Bancorp's value of 11.25% is 0.5% above this benchmark. Historically, NorthEast Community Bancorp's own Return-on-Tangible-Equity has ranged from 4.73 to 17.10 over the past decade. While the company's 10-year median is 9.64 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NorthEast Community Bancorp's current Return-on-Tangible-Equity of 11.25% is 0.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current Return-on-Tangible-Equity is 11.25%, which is 17% above median its own 10-year median of 9.64. 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 $22.01, compared to a current price of $27.61 — trading 25.4% above its estimated fair value. The current Return-on-Tangible-Equity is 11.25%, which is 17% above median its 10-year median of 9.64 and 0.5% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Return-on-Tangible-Equity is 11.25% 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 $27.61 is trading 25.4% above its estimated GF Value™ of $22.01.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
Return-on-Tangible-Equity: 11.25% (17% above median its 10-year median of 9.64)
GF Value™: $22.01 vs. price of $27.61 (25.4% above fair value)
Industry Position: 0.5% above the Banks median (#620 of 1523)
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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