Northeast Community Bancorp, Inc. (FRA:JY4)

FRA:JY4 Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	100.74	102.79	97.19	63.88	43.3
Net Interest Income Growth	-2.00%	5.76%	52.16%	47.51%	11.03%
Non-Interest Income	4.09	2.78	3.74	1.68	2.35
Non-Interest Income Growth	47.07%	-25.65%	122.40%	-28.51%	-6.33%
Revenues Before Loan Losses	104.83	105.58	100.93	65.56	45.66
Provision for Credit Losses	-0.1	0.74	0.97	0.44	3.61
Revenue	104.93	104.84	99.96	65.12	42.05
Revenue Growth (YoY)	0.09%	4.88%	53.51%	54.87%	3.31%
Compensation Expenses	23.18	20.94	18.84	15.55	15
Selling, General & Admin	7.36	6.74	6.38	5.72	4.9
Other Non-Interest Expenses	12.12	11.38	10	9.42	6.58
Total Non-Interest Expense	42.67	39.06	35.22	30.69	26.47
Pretax Income	62.26	65.77	64.74	34.43	15.57
Provision for Income Taxes	17.85	18.7	18.47	9.59	3.67
Net Income	44.41	47.07	46.28	24.84	11.91
Net Income to Common	44.41	47.07	46.28	24.84	11.91
Net Income Growth	-5.65%	1.72%	86.27%	108.68%	-3.44%
Shares Outstanding (Basic)	13	13	14	15	16
Shares Outstanding (Diluted)	14	13	14	16	16
Shares Change (YoY)	2.25%	-4.14%	-11.38%	-0.81%	-1.83%
EPS (Basic)	3.35	3.58	3.32	1.61	0.75
EPS (Diluted)	3.25	3.52	3.32	1.58	0.75
EPS Growth	-7.67%	6.02%	110.13%	110.67%	-1.32%
Free Cash Flow	50.84	48.17	42.21	24.24	15.11
Free Cash Flow Growth	5.55%	14.12%	74.17%	60.44%	4.89%
Free Cash Flow Per Share	3.72	3.61	3.03	1.54	0.95
Dividends Per Share	0.800	0.500	0.240	0.240	0.210
Dividend Growth	60.00%	108.33%	-	14.29%	134.38%
Profit Margin	42.33%	44.90%	46.29%	38.15%	28.31%
FCF Margin	48.45%	45.95%	42.23%	37.22%	35.92%
EBITDA	1.17	1.19	1.22	1.25	1.12
EBITDA Margin	1.11%	1.13%	1.22%	1.91%	2.66%
Effective Tax Rate	28.66%	28.43%	28.52%	27.84%	23.56%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.