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NorthEast Community BancorpNECB +2.21%82 5-Year Yield-on-Cost % is 20.05 as of Jul. 15, 2026, which is 111% above its 10-year median of 9.48. GuruFocus rates NECB with a GF Scoreâ„¢ of 82/100 and a GF Valueâ„¢ of $22.01 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,256 Banks companies, NorthEast Community Bancorp ranks better than 95.62% on this metric.
The historical rank and industry rank for NorthEast Community Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
NECB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.97 Med: 9.48 Max: 24.32
Current: 20.05
During the past 13 years, NorthEast Community Bancorp's highest Yield on Cost was 24.32. The lowest was 1.97. And the median was 9.48.
NECB's 5-Year Yield-on-Cost % is ranked better than 95.62% of 1256
companies
in the Banks industry
Industry Median: 3.885
vs NECB: 20.05
NorthEast Community Bancorp (NAS:NECB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
NorthEast Community Bancorp 5-Year Yield-on-Cost % Related Terms
NECB vs FCBM, PKBK, AVBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, NorthEast Community Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, NorthEast Community Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where NorthEast Community Bancorp's 5-Year Yield-on-Cost % falls into.
NorthEast Community Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
NorthEast Community Bancorp (NECB) has a 5-Year Yield-on-Cost % of 20.05 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NorthEast Community Bancorp and its competitors. This is 111% above median its historical median of 9.48. Over the past decade, NorthEast Community Bancorp's 5-Year Yield-on-Cost % has ranged from 1.97 to 24.32. According to the industry distribution chart, NorthEast Community Bancorp ranks #55 out of 1256 companies in the Banks industry, placing it in the top 4.4%.
Is NorthEast Community Bancorp's 5-Year Yield-on-Cost % too high?
NorthEast Community Bancorp's current 5-Year Yield-on-Cost % of 20.05 is 111% above median its 10-year median of 9.48. Over the past 10 years, this metric has ranged from a low of 1.97 to a high of 24.32. The Banks industry median 5-Year Yield-on-Cost % is 3.89. NorthEast Community Bancorp's value of 20.05 is 416.1% above this industry median. Based on the distribution chart, NorthEast Community Bancorp ranks #55 out of 1256 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NorthEast Community Bancorp has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NorthEast Community Bancorp's 5-Year Yield-on-Cost % compare to FCBM and PKBK?
According to the Banks industry distribution chart, NorthEast Community Bancorp ranks #55 out of 1256 companies for 5-Year Yield-on-Cost %. This places NorthEast Community Bancorp in the top 4% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. NorthEast Community Bancorp's value of 20.05 is 416.1% above this benchmark. Historically, NorthEast Community Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.97 to 24.32 over the past decade. While the company's 10-year median is 9.48 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NorthEast Community Bancorp's current 5-Year Yield-on-Cost % of 20.05 is 416.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NorthEast Community Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NorthEast Community Bancorp's current 5-Year Yield-on-Cost % is 20.05, which is 111% above median its own 10-year median of 9.48. 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 $26.77 — trading 21.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 20.05, which is 111% above median its 10-year median of 9.48 and 416.1% above the Banks industry median of 3.89. NorthEast Community Bancorp's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For NorthEast Community Bancorp (NECB), the current 5-Year Yield-on-Cost % is 20.05 as of Jul. 15, 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 $26.77 is trading 21.6% above its estimated GF Value™ of $22.01.
GuruFocus considers NorthEast Community Bancorp to be Modestly Overvalued.
Key valuation signals for NECB:
5-Year Yield-on-Cost %: 20.05 (111% above median its 10-year median of 9.48)
GF Value™: $22.01 vs. price of $26.77 (21.6% above fair value)
Industry Position: 416.1% above the Banks median (#55 of 1256)
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.
82GF Score
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