NECB (NorthEast Community Bancorp) 3-Year RORE % : -0.12% (As of Mar. 2026)


NECB NorthEast Community Bancorp Inc NECB
80 GF Score
Price $27.02
GF Value $22.01
Valuation Modestly Overvalued
! 6 Warning Signs
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What is NorthEast Community Bancorp 3-Year RORE %?

NorthEast Community Bancorp NECB -2.38% 80 3-Year RORE % is -0.12 as of Mar. 2026. GuruFocus rates NECB with a GF Score™ of 80/100 and a GF Value™ of $22.01 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,473 Banks companies, NorthEast Community Bancorp ranks worse than 72.71% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. NorthEast Community Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 was -0.12%.

The industry rank for NorthEast Community Bancorp's 3-Year RORE % or its related term are showing as below:

NECB's 3-Year RORE % is ranked worse than
72.71% of 1473 companies
in the Banks industry
Industry Median: 9.87 vs NECB: -0.12

NorthEast Community Bancorp  (NAS:NECB) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


NorthEast Community Bancorp 3-Year RORE % Related Terms


NorthEast Community Bancorp 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for NorthEast Community Bancorp's 3-Year RORE % 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 3-Year RORE % Chart

NorthEast Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 25.00 51.96 27.48 1.43

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
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.81 9.96 4.96 1.43 -0.12

NECB vs FCBM, PKBK, AVBC: 3-Year RORE % Comparison

For the Banks - Regional subindustry, NorthEast Community Bancorp's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, NorthEast Community Bancorp's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where NorthEast Community Bancorp's 3-Year RORE % falls into.


NECB
80GF Score
NorthEast Community Bancorp Inc NECB
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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NorthEast Community Bancorp 3-Year RORE % Calculation

NorthEast Community Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 3.22-3.23 )/( 9.95-1.74 )
=-0.01/8.21
=-0.12 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -0.12 mean?
NorthEast Community Bancorp (NECB) has a 3-Year RORE % of -0.12 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on NorthEast Community Bancorp and its competitors. According to the industry distribution chart, NorthEast Community Bancorp ranks #1071 out of 1473 companies in the Banks industry, placing it in the top 72.7%.
Is NorthEast Community Bancorp's 3-Year RORE % too high?
NorthEast Community Bancorp's current 3-Year RORE % is -0.12. Based on the distribution chart, NorthEast Community Bancorp ranks #1071 out of 1473 companies in the Banks industry, which is below the industry midpoint. Overall, NorthEast Community Bancorp has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NorthEast Community Bancorp's 3-Year RORE % compare to FCBM and PKBK?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #1071 out of 1473 companies for 3-Year RORE %. This places NorthEast Community Bancorp in the lower half of its industry. The industry median 3-Year RORE % is 9.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,473 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current 3-Year RORE % is -0.12. 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 $27.02 — trading 22.8% above its estimated fair value. The current 3-Year RORE % is -0.12. NorthEast Community Bancorp's overall GF Score™ is 80/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current 3-Year RORE % is -0.12 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 $27.02 is trading 22.8% above its estimated GF Value™ of $22.01. GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.

Key valuation signals for NECB:

  • 3-Year RORE %: -0.12
  • GF Value™: $22.01 vs. price of $27.02 (22.8% above fair value)
  • GF Score™: 80/100 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.
80GF Score

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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.02
Price
$22.01
GF Value