NECB PEER ANALYSIS

Northeast Community Bancorp Inc — metric-by-metric comparison with peers and the industry median

NECBNortheast Community Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

NECBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	NECB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
P/E	8.55	15.65	—	2.96●	9.21	13.42	12.96
P/B	1.05	3.99	31,504.34	0.71●	1.41	1.41	1.29
EV/EBITDA	5.14	-9.21●	418,782.20	2.21	-8.40	14.85	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NECB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Current Ratio	0.05	—	—	—	0.25●	0.12	0.31
Debt/Equity	7.0%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	-0.82	-20.34	-28.33●	-0.47	-14.68	5.39	-0.58

Profitability
Metric	NECB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Net Margin	28.5%	24.7%	28.1%	54.9%●	20.1%	25.9%	20.6%
ROE	12.8%	28.9%●	20.2%	27.4%	14.9%	10.6%	10.9%
ROA	2.2%	1.1%	1.8%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	NECB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-5.3%	—	71.8%●	-1.3%	16.0%	16.2%	19.4%
Div. Yield	2.8%	—	—	—	4.8%●	3.2%	2.5%
Payout	32.0%	—	—	—	—	—	31.4%

Valuation
Metric	NECB	USCB	BCML	CHMG	MVBF	WSBF	Ind. Median
P/E	8.55●	13.55	13.78	19.72	13.36	11.85	12.96
P/B	1.05	1.69	1.06	1.37	1.14	1.00●	1.29
EV/EBITDA	5.14	2.95●	9.32	6.96	10.50	18.12	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NECB	USCB	BCML	CHMG	MVBF	WSBF	Ind. Median
Current Ratio	0.05	1.01	0.02	—	5.97●	0.23	0.31
Debt/Equity	7.0%	41.4%	5.9%●	49.0%	17.5%	118.6%	38.0%
NetDebt/EBITDA	-0.82	-6.92●	-0.08	-6.50	1.20	9.39	-0.58

Profitability
Metric	NECB	USCB	BCML	CHMG	MVBF	WSBF	Ind. Median
Net Margin	28.5%●	19.8%	18.3%	12.8%	14.3%	14.2%	20.6%
ROE	12.8%●	12.4%	7.8%	7.4%	8.9%	8.5%	10.9%
ROA	2.2%●	1.0%	1.0%	0.7%	0.9%	1.3%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	NECB	USCB	BCML	CHMG	MVBF	WSBF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-5.3%	0.3%	12.7%	-19.3%	48.8%	57.1%●	19.4%
Div. Yield	2.8%	2.0%	3.1%●	1.8%	2.3%	3.0%	2.5%
Payout	32.0%	29.2%	31.0%	35.2%	30.4%	36.3%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.