NASDAQ$NECB

Northeast Community Bancorp Inc · Q1 2025 earnings

Q1 2025 earnings · · Investor relations

Briefing

Northeast Community Bancorp reported Q1 2025, revenue of $42M, net income of $10.6M, diluted EPS of $0.72.

For Q1 2025, Northeast Community Bancorp reported revenue of $42M, net income of $10.6M, diluted EPS was $0.72. Management discusses operating trends, capital, and sector risks in the quarterly filing.

  • Q1 2025 revenue $42M.
  • Net income $10.6M.
  • Diluted EPS $0.72.

Headline financials

Total Revenue

$25.5M

Previous: $25.5M-0.2%
EPS (adj)

$0.72

Previous: $0.86-16.3%
Net Interest Margin

5.1%

Previous: 5.8%-11.1%
Non-Performing Assets to Assets

0.3%

Previous: 0.3%+4.0%
Tier 1 Leverage Ratio

15.1%

Previous: 14.4%+4.5%
Total Risk-Based Capital

15.1%

Previous: 13.9%+8.5%
Equity to Total Assets

16.9%

No prior period
Capital Expenditures

-$382K

Previous: -$68K-461.8%
Net Income

$10.6M

Previous: $11.4M-7.1%
Operating Income

$14.6M

Previous: $9.51M+54.0%

Revenue & EPS history

Northeast Community Bancorp · Revenue · Quarterly

$25.5M

Q1 2025-0.2%vs Q1 2024
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Forward guidance

Regional banks discuss net interest margin, credit quality, and capital returns rather than long-range EPS guidance in the 10-Q.

Tailwinds

  • Net interest income and margin trends when rates cooperate.
  • Deposit franchise and liquidity strength.
  • Dividend capacity from earnings.

Headwinds

  • Credit provision and loan growth uncertainty.
  • Interest rate and funding cost pressure.
  • Commercial real estate exposure where applicable.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+1.1%

Avg return

Earnings day

+1.6%

Avg return

5 days after

+2.2%

Avg return

30 days after

66%

25 / 38 earnings

Positive

+20.1%

Q2 2010

Best reaction

-12.8%

Q1 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.5%-0.5%-0.2%
Q4 2025+0.9%+7.8%+6.0%
Q3 2025-0.1%-3.0%+5.3%
Q2 2025-0.9%-1.4%-3.3%
Q1 2025+1.2%+0.8%-1.0%
Q4 2024-0.6%+4.6%-4.6%
Q3 2024-0.8%-5.0%+10.7%
Q2 2024+9.9%+12.5%+7.2%
Q1 2024+2.8%+2.1%+12.2%
Q4 2023-2.4%-6.4%-9.8%
Q3 2023+7.1%+5.4%+17.3%
Q2 2023+3.2%+2.6%+3.3%
Q1 2023+0.3%-1.1%+1.8%
Q4 2022+2.3%+1.3%+2.3%
Q3 2022+1.4%+2.8%+8.8%
Q2 2022+0.2%+1.3%+6.1%
Q1 2022+0.7%+0.9%+1.8%
Q4 2021+2.2%+9.7%+4.6%
Q3 2021+1.4%+1.7%-1.2%
Q2 2021-0.2%-0.5%+0.5%
Q1 2021-0.4%-0.4%-9.9%
Q4 2020-0.4%-0.4%-9.9%
Q1 2014+3.4%
Q3 2013+0.2%
Q2 2013-0.6%
Q1 2013+0.0%
Q4 2012+0.8%
Q3 2012+0.2%
Q2 2012+3.0%
Q1 2012+0.5%
Q4 2011+1.4%
Q3 2011+1.8%
Q2 2011+0.2%
Q1 2011+0.2%
Q4 2010+2.4%
Q3 2010-1.4%
Q2 2010+20.1%
Q1 2010-12.8%

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