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NorthEast Community Bancorp Inc. (NECB) — RQD Stock Rating Cockpit

$28.91 -0.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.97

NorthEast Community Bancorp Inc. (NECB) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

ROARABLE B- • BUY Cap $398.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NECB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NECB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, NorthEast Community Bancorp Inc. (NASDAQ: NECB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $28.91 (-0.21% 1D, market cap $398.8M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NECB ranks #109 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NECB compare to TSBK and PBFS in the Financials sector?

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Within the Financials sector (Banks), NECB carries a Roarable B- (71/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 12.6%. By comparison, TSBK (Timberland Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 12.6x, ROIC 10.9%, cap $367.5M) and PBFS (Pioneer Bancorp Inc.) posts a D+ grade (57/100 RQD, P/E 22.2x, ROIC 6.3%, cap $450.1M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NECB?

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Per NECB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001847398), NorthEast Community Bancorp Inc. generated $0 in revenue, $44.4M in net income, and $50.8M in free cash flow against $2.06B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $28.97 (+0.20%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 1.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+5.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NECB)Realized 20D OHLCV Swing Band: ±5.7%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY NECB SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 1.3% FCF Margin ($50.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (64.6) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$27.64-1.1% Next Q

Q2 (-2Q)

Grade B-$27.34+4.4% Next Q

Q3 (-1Q)

Grade B-$28.53+1.3% Next Q

Current

Grade B-$28.91+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NECB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, NECB faces multiple-compression risk if 9.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.21) or 200D SMA ($25.51) invalidates the momentum regime and cuts Target Base ($30.60) toward Bear Floor ($23.71).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NECB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NECB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

64.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE96% OF RANGE

L: $19$28.91H: $29

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 31 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on NECB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

12.6% ROIC with 42.0% gross margin and 12.75% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

31/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like NECB

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NECB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NECB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.83%⚡ TESTING RESISTANCE

2026-11-02O $28.64H $28.97L $28.64C $28.91VOL 61.1K

RES: $29.39SUP: $25.59SMA50: $27.21SMA200: $25.51

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NECB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NECB Butterfly Map → + Track NECB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-3.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NECB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NECB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NECB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NECB)

Financials Rank #109 of 1096 ⚔️ TSBK vs NECB Full Matrix →

1. Head-to-Head Financials Peer Comparison (NECB vs. TSBK, PBFS, FSBW, AVBC)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, NorthEast Community Bancorp Inc. (NECB) ranks #109 by composite RQD confidence (71/100, grade B-) and #750 by equity capitalization ($398.8M). Within this direct 5-issuer industry benchmark cohort, NECB leads on earnings valuation at 9.0x trailing P/E, while NECB leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NECB currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NECB ACTIVE NorthEast Community Bancorp Inc.	B-	71/100	9.0x	—	12.6%	-0.21%	$398.8M	Benchmark Subject
TSBK Timberland Bancorp Inc.	C+	69/100	12.6x	—	10.9%	-0.93%	$367.5M	/tsbk-vs-necb →
PBFS Pioneer Bancorp Inc.	D+	57/100	22.2x	—	6.3%	-0.50%	$450.1M	/pbfs-vs-necb →
FSBW FS Bancorp Inc.	C+	66/100	10.5x	—	10.8%	-0.70%	$348.6M	/fsbw-vs-necb →
AVBC Avidia Bancorp Inc.	D+	57/100	—	—	-0.9%	-0.17%	$470.1M	/avbc-vs-necb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001847398

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NorthEast Community Bancorp Inc. (NECB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $44.4M, operating cash flow of $52.6M, and free cash flow of $50.8M (+5.5% YoY). On the balance sheet, NECB closed FY2025 with $2.06B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$44.4M	$52.6M	$50.8M	$2.06B	—
FY2024 (FY)	2024-12-31	$0	$47.1M	$48.7M	$48.2M	$2.01B	—
FY2023 (FY)	2023-12-31	$0	$46.3M	$42.8M	$42.8M	—	—

3. NECB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NECB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does NECB compare to TSBK and PBFS in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for NECB?

Where is NECB trading relative to its 50-day, 200-day, and 52-week technical levels?

NECB last traded at $28.91 (-0.21% on volume of 50,799 shares), positioning the stock +6.25% above its 50-day simple moving average ($27.21) and +13.33% above its 200-day simple moving average ($25.51). Across its 52-week range of $19.27 to $29.26, NECB sits at the 96.5% percentile with a 14-day RSI of 64.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.7% ($27.26 to $30.56).

NECB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NECB stock right now?

NorthEast Community Bancorp Inc. (NECB) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.

What is NECB's 12-month price target and RQD AI Jury consensus?

NECB's 12-month base price target is $30.6 (range $23.71 to $36.11), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: NECB RQD Cockpit NECB 12M Forecast NECB Earnings & Move NECB Dividends & DRIP NECB Insiders & 13F NECB Whale Options NECB Profit Sankey NECB News & Why

ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

NECB — NorthEast Community Bancorp Inc.: What the Facts Mean to a Prospective Investor

Engine: Haiku 5.5 Dossier Pipeline

As of: 2026-11-02T14:18Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, NorthEast Community Bancorp Inc. (NECB) carries a composite score of 71/100 (B- — Roarable Buy — Sound Institutional Accumulation) at a current price of $28.91 (-0.21%). Fundamental cash generation scores 15/20 (ROIC 12.6%, FCF yield 12.75%), institutional 13F whale accumulation scores 14/20, insider conviction scores 17/20, macro regime alignment scores 12/20 (Beta 1.00), and forensic balance-sheet protection scores 13/20 (Altman Z-Score N/A, Piotroski F-Score 4/9).

Investor Implication: At 9.0x trailing P/E and 8.4x forward P/E within Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $19.27 – $29.26.

Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples

Operating in Banks (Financials), NECB is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).

Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.

NECB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for NorthEast Community Bancorp Inc. (NECB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NECB Debate Forum (3) ↓

🔴 RISK WATCH Yahoo • 10d ago

Northeast Community Bancorp (NECB) Q3 Earnings and Revenues Miss Estimates

Northeast Community Bancorp (NECB) delivered earnings and revenue surprises of -11.24% and -7.34%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 10d ago

Northeast Community Bancorp: Q3 Earnings Snapshot

(AP) — Northeast Community Bancorp Inc. (NECB) on Thursday reported net income of $10.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 10d ago

NorthEast Community Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2026

WHITE PLAINS, N.Y., Oct. 22, 2026 (GLOBE NEWSWIRE) -- NorthEast Community Bancorp, Inc. (Nasdaq: NECB) (the “Company”), the parent holding company of NorthEast Community Bank (the “Bank”), reported net income of $10.7 mi

Read Full Source ↗

🔴 RISK WATCH Benzinga • 10d ago

NorthEast Community Q3 EPS $0.79 Misses $0.82 Estimate, Sales $25.908M Miss $27.960M Estimate

NorthEast Community (NASDAQ:NECB) reported quarterly earnings of $0.79 per share which missed the analyst consensus estimate of $0.82 by 4.82 percent. This is a 9.2 percent decrease over earnings of $0.87 per share from

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 11d ago

Beacon Financial (BBT) Q3 Earnings and Revenues Lag Estimates

Beacon (BBT) delivered earnings and revenue surprises of -1.28% and -0.41%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?

Read Full Source ↗

🟢 CATALYST Yahoo • 13d ago

Chain Bridge Bancorp, Inc. (CBNA) to Report Q3 Results: Wall Street Expects Earnings Growth

Chain Bridge Bancorp, Inc. (CBNA) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read Full Source ↗

🟢 CATALYST Yahoo • 18d ago

Northeast Community Bancorp (NECB) Earnings Expected to Grow: What to Know Ahead of Q3 Release

Northeast Community Bancorp (NECB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NECB Bull vs. Bear Conversation Board — What's Your Call at $28.91?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NECB 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $34.18 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is NECB (B- • RQD 71/100) a Buy at $28.97?

Welcome to the NECB (NorthEast Community Bancorp Inc.) Roar Pit. Current RQD Composite is 71/100 (Roarable Buy — Sound Institutional Accumulation) in Banks. Bulls point to capital efficiency (12.6% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $23.47 (-19.0%)

Spot @ $28.97

Pump the brakes on NECB — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on NECB, but look at what you are paying: 9.0x trailing P/E with tightening sector spreads. Unless NorthEast Community Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $35.34 (+22.0%)

Spot @ $28.97

NECB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on NECB, the market is fixating on short-term headline noise in Banks and ignoring the balance sheet and cash flow trajectory. At $28.97 (52-wk range $19.27 - $29.26), any beat on forward guidance forces shorts and underweight funds to chase.