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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
As of Mar. 2026, NorthEast Community Bancorp has a Sloan Ratio of 4.88%, indicating the company is in the safe zone and there is no funny business with accruals.
NorthEast Community Bancorp (NAS:NECB) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Mar. 2026, NorthEast Community Bancorp has a Sloan Ratio of 4.88%, indicating the company is in the safe zone and there is no funny business with accruals.
NorthEast Community Bancorp Sloan Ratio % Related Terms
NorthEast Community Bancorp Sloan Ratio % 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.
NECB vs MVBF, WSBF, RVRF: Sloan Ratio % Comparison
For the Banks - Regional subindustry, NorthEast Community Bancorp's Sloan Ratio %, along with its competitors' market caps and Sloan Ratio % 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 Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's Sloan Ratio % falls into.
NorthEast Community Bancorp Sloan Ratio % Calculation
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
NorthEast Community Bancorp's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 11.17 (Jun. 2025 ) + 11.865 (Sep. 2025 ) + 10.811 (Dec. 2025 ) + 9.952 (Mar. 2026 ) = $43.8 Mil.
NorthEast Community Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 15.623 (Jun. 2025 ) + 14.05 (Sep. 2025 ) + 11.972 (Dec. 2025 ) + 10.438 (Mar. 2026 ) = $52.1 Mil.
NorthEast Community Bancorp's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was -71.172 (Jun. 2025 ) + -77.808 (Sep. 2025 ) + 10.913 (Dec. 2025 ) + 31.014 (Mar. 2026 ) = $-107.1 Mil.
* 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 Sloan Ratio % of 4.88% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on NorthEast Community Bancorp and its competitors.
Is NorthEast Community Bancorp's Sloan Ratio % too high?
NorthEast Community Bancorp's current Sloan Ratio % is 4.88%. Overall, NorthEast Community Bancorp has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NorthEast Community Bancorp's Sloan Ratio % compare to MVBF and WSBF?
NorthEast Community Bancorp's Sloan Ratio % of 4.88% 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 Sloan Ratio % for a Banks company?
A good Sloan Ratio % depends on the Banks industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on NorthEast Community Bancorp and its competitors. NorthEast Community Bancorp's current Sloan Ratio % is 4.88%. 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 $22.03, compared to a current price of $26.83 — trading 21.8% above its estimated fair value. The current Sloan Ratio % is 4.88%. NorthEast Community Bancorp's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Sloan Ratio % is 4.88% 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 $26.83 is trading 21.8% above its estimated GF Value™ of $22.03.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
Sloan Ratio %: 4.88%
GF Value™: $22.03 vs. price of $26.83 (21.8% above fair value)
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.
78GF Score
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