NECB (NorthEast Community Bancorp) Scaled Net Operating Assets: 0.15 (As of Mar. 2026)


NECB NorthEast Community Bancorp Inc NECB
80 GF Score
Price $27.73
GF Value $22.26
Valuation Modestly Overvalued
! 6 Warning Signs
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What is NorthEast Community Bancorp Scaled Net Operating Assets?

NorthEast Community Bancorp NECB -0.27% 80 Scaled Net Operating Assets is 0.15 as of Mar. 2026. GuruFocus rates NECB with a GF Score™ of 80/100 and a GF Value™ of $22.26 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

NorthEast Community Bancorp's operating assets for the quarter that ended in Mar. 2026 was $1,948.8 Mil. NorthEast Community Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $1,643.8 Mil. NorthEast Community Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $2,063.5 Mil. Therefore, NorthEast Community Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.15.

NECB
80GF Score
NorthEast Community Bancorp Inc NECB
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NorthEast Community Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

NorthEast Community Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1982.233-1636.578)/2009.581
=0.17

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2063.508 - 81.275
=1982.233

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1711.808 - 75.23 - 0
=1636.578

NorthEast Community Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1948.816-1643.765)/2063.508
=0.15

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2025.127 - 76.311
=1948.816

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1668.842 - 25.077 - 0
=1643.765

* 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.

What does a Scaled Net Operating Assets of 0.15 mean?
NorthEast Community Bancorp (NECB) has a Scaled Net Operating Assets of 0.15 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on NorthEast Community Bancorp and its competitors.
Is NorthEast Community Bancorp's Scaled Net Operating Assets too high?
NorthEast Community Bancorp's current Scaled Net Operating Assets is 0.15. 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 Scaled Net Operating Assets compare to FCBM and PKBK?
NorthEast Community Bancorp's Scaled Net Operating Assets of 0.15 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on NorthEast Community Bancorp and its competitors. NorthEast Community Bancorp's current Scaled Net Operating Assets is 0.15. 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 $27.73 — trading 24.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.15. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current Scaled Net Operating Assets is 0.15 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 $27.73 is trading 24.6% above its estimated GF Value™ of $22.26. GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.

Key valuation signals for NECB:

  • Scaled Net Operating Assets: 0.15
  • GF Value™: $22.26 vs. price of $27.73 (24.6% 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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$27.73
Price
$22.26
GF Value