Stock fact sheet · data as of
Northeast Community Bancorp, Inc. (NECB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is NECB undervalued?
At 27.68 (close of 16 Oct 2026), NECB trades 65% below the GLS average fair value of 79.18. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Northeast Community Bancorp, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 13.24 while GLS Growth gives 197.73. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files NECB under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for NECB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 85.54 | +209% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 44.79 | +62% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 67.02 | +142% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 20.54 | -26% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 197.73 | +614% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 101.19 | +266% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 146.64 | +430% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 13.24 | -52% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 35.89 | +30% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -117.56 | -525% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 29.50 | +7% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - NECB passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 7.7 out of 10, built from ten years of revenue, earnings, margins, cash flow, share count and returns on capital scored for consistency - a high reading that points to a durable business.
Returns on capital are moderate - ROIC 10.4%, ROE 12.6%, ROA 2.2% - with debt at 0.21 times equity and a free-cash-flow yield of 12.8%.
The dividend yield is 3.25% at a payout ratio of 33%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 7/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 10.4% |
|---|---|---|---|
| GLS Moat | 7.7 / 10 | ROE | 12.6% |
| Debt / equity | 0.21 | ROA | 2.2% |
| Free-cash-flow yield | 12.8% | Payout ratio | 33% |
| Institutions | 7 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 75: Good
NECB scores 75 out of 100 on the Wheel Score (Good band, 65-79). The score blends the margin of safety (Value, 25/25), Piotroski health (13/20), the GLS moat (12/15), the option premium on offer (19/20) and how easily the stock trades (6/20). Stability (6/20) is the part holding the score back.
Implied volatility is 34% on the near-the-money contracts 20-60 days out: some premium, but under the 35-60% range the Wheel Score pays full marks for (19 of 20 points). Chain open interest is thin - 208 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 67k shares a day on a market cap of $381M, with a beta of 0.37 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 65% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 12 / 15 | moat 7.7/10 | |
| Premium | 19 / 20 | implied volatility 34% | |
| Stability | 6 / 20 | 67k shares/day, $381M cap, beta 0.37 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Northeast Community Bancorp, Inc. reports earnings on 22 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Northeast Community Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PKBK Parke Bancorp, Inc. | 32.39 | 47.17 | +31% | 74Good | $381M |
| FNLC The First Bancorp, Inc. | 33.80 | 38.72 | +13% | 68Good | $381M |
| CZFS Citizens Financial Services, Inc. | 79.12 | 99.01 | +20% | 39No options | $381M |
| FCBM First Carolina Financial Services | 12.63 | 18.27 | +31% | 39No options | $382M |
| FRST Primis Financial Corp | 15.44 | 55.70 | +72% | 71Good | $383M |
| CHMG Chemung Financial Corporation | 79.60 | 101.86 | +22% | 39No options | $384M |
| MVBF MVB Financial Corp. | 29.07 | 59.41 | +51% | 70Good | $376M |
| PCB PCB Bancorp | 27.60 | 32.30 | +15% | 67Good | $388M |
| MSBC Mission Bancorp | 120.00 | 135.36 | +11% | 39No options | $370M |
| MFGI Merchants Financial Group, Inc. | 45.00 | 37.16 | -21% | 33No options | $368M |
| ISTR Investar Holding Corporation | 28.69 | 24.19 | -19% | 31No options | $395M |
| RVRF River Financial Corp. | 47.00 | 110.43 | +57% | 39No options | $367M |
⚖ Compare NECB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about NECB
Is NECB undervalued right now?
By the GLS models, yes: at 27.68 the stock is 65% below the average fair value of 79.18 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of NECB and what does it mean?
NECB scores 75 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for NECB?
79.18 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Northeast Community Bancorp, Inc. report earnings next?
The next earnings report is due on 22 Oct 2026 (after the close), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does NECB have listed options, and how liquid are they?
Yes. The nightly snapshot found 80 listed contracts with 208 open interest across all expiries and implied volatility of 34% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.