NECB vs. USCB

Last updated Apr 1, 2026

Compare and contrast key facts about Northeast Community Bancorp, Inc. (NECB) and USCB Financial Holdings, Inc. (USCB).

Performance

NECB vs. USCB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Northeast Community Bancorp, Inc. (NECB) and USCB Financial Holdings, Inc. (USCB). The values are adjusted to include any dividend payments, if applicable.

NECB vs. USCB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
NECB Northeast Community Bancorp, Inc.	6.20%	-3.51%	41.77%	20.41%	38.91%	9.02%
USCB USCB Financial Holdings, Inc.	1.29%	6.13%	47.03%	0.41%	-12.89%	29.44%

Fundamentals

Market Cap NECB : $325.35M USCB : $340.19M
EPS NECB : $3.27 USCB : $1.34
PE Ratio NECB : 7.29 USCB : 13.83
PEG Ratio NECB : 0.13 USCB : 0.30
PS Ratio NECB : 2.07 USCB : 2.37
PB Ratio NECB : 0.93 USCB : 1.60
Total Revenue (TTM) NECB : $156.32M USCB : $152.08M
Gross Profit (TTM) NECB : $103.04M USCB : $88.41M
EBITDA (TTM) NECB : $63.13M USCB : $36.37M

Returns By Period

In the year-to-date period, NECB achieves a 6.20% return, which is significantly higher than USCB's 1.29% return.

NECB

• 1D: -0.29%
• 1M: -1.65%
• YTD: 6.20%
• 6M: 17.90%
• 1Y: 6.26%
• 3Y*: 25.76%
• 5Y*: 17.47%
• 10Y*: 19.27%

USCB

• 1D: 0.27%
• 1M: -2.06%
• YTD: 1.29%
• 6M: 7.52%
• 1Y: 2.27%
• 3Y*: 25.10%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

NECB vs. USCB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

NECB

NECB Risk / Return Rank: 47
NECB Sharpe Ratio Rank: 50
NECB Sortino Ratio Rank: 43
NECB Omega Ratio Rank: 42
NECB Calmar Ratio Rank: 51
NECB Martin Ratio Rank: 50

USCB

USCB Risk / Return Rank: 41
USCB Sharpe Ratio Rank: 43
USCB Sortino Ratio Rank: 38
USCB Omega Ratio Rank: 38
USCB Calmar Ratio Rank: 44
USCB Martin Ratio Rank: 44

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

NECB vs. USCB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Northeast Community Bancorp, Inc. (NECB) and USCB Financial Holdings, Inc. (USCB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	NECB	USCB	Difference
Sharpe ratio Return per unit of total volatility	0.22	0.07	+0.15
Sortino ratio Return per unit of downside risk	0.52	0.33	+0.19
Omega ratio Gain probability vs. loss probability	1.06	1.04	+0.02
Calmar ratio Return relative to maximum drawdown	0.34	0.12	+0.23
Martin ratio Return relative to average drawdown	0.68	0.22	+0.46
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

NECB vs. USCB - Sharpe Ratio Comparison

The current NECB Sharpe Ratio is 0.22, which is higher than the USCB Sharpe Ratio of 0.07. The chart below compares the historical Sharpe Ratios of NECB and USCB, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	NECB	USCB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.22	0.07	+0.15
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.71	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.67	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.23	0.36	-0.13

Correlation

The correlation between NECB and USCB is 0.31, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

NECB vs. USCB - Dividend Comparison

NECB's dividend yield for the trailing twelve months is around 4.20%, more than USCB's 2.29% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
NECB Northeast Community Bancorp, Inc.	4.20%	4.20%	2.29%	1.01%	2.82%	1.82%	1.09%	1.00%	1.08%	1.19%	1.52%	1.69%
USCB USCB Financial Holdings, Inc.	2.29%	2.17%	1.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

NECB vs. USCB - Drawdown Comparison

The maximum NECB drawdown since its inception was -61.91%, which is greater than USCB's maximum drawdown of -44.24%. Use the drawdown chart below to compare losses from any high point for NECB and USCB.

Drawdown Indicators

	NECB	USCB	Difference
Max Drawdown Largest peak-to-trough decline	-61.91%	-44.24%	-17.67%
Max Drawdown (1Y) Largest decline over 1 year	-18.77%	-14.80%	-3.97%
Max Drawdown (5Y) Largest decline over 5 years	-34.54%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-47.80%	—	—
Current Drawdown Current decline from peak	-19.44%	-9.86%	-9.58%
Average Drawdown Average peak-to-trough decline	-24.95%	-17.73%	-7.22%
Ulcer Index Depth and duration of drawdowns from previous peaks	9.44%	7.70%	+1.74%

Volatility

NECB vs. USCB - Volatility Comparison

The current volatility for Northeast Community Bancorp, Inc. (NECB) is 6.29%, while USCB Financial Holdings, Inc. (USCB) has a volatility of 6.89%. This indicates that NECB experiences smaller price fluctuations and is considered to be less risky than USCB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	NECB	USCB	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.29%	6.89%	-0.60%
Volatility (6M) Calculated over the trailing 6-month period	18.20%	20.41%	-2.21%
Volatility (1Y) Calculated over the trailing 1-year period	28.70%	33.00%	-4.30%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	24.59%	37.42%	-12.83%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.04%	37.42%	-8.38%

Financials

NECB vs. USCB - Profitability Comparison

The chart below illustrates the profitability comparison between Northeast Community Bancorp, Inc. and USCB Financial Holdings, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

NECB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Northeast Community Bancorp, Inc. reported a gross profit of 26.45M and revenue of 39.25M. Therefore, the gross margin over that period was 67.4%.

USCB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, USCB Financial Holdings, Inc. reported a gross profit of 18.03M and revenue of 33.46M. Therefore, the gross margin over that period was 53.9%.

NECB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Northeast Community Bancorp, Inc. reported an operating income of 15.59M and revenue of 39.25M, resulting in an operating margin of 39.7%.

USCB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, USCB Financial Holdings, Inc. reported an operating income of 3.27M and revenue of 33.46M, resulting in an operating margin of 9.8%.

NECB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Northeast Community Bancorp, Inc. reported a net income of 10.81M and revenue of 39.25M, resulting in a net margin of 27.5%.

USCB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, USCB Financial Holdings, Inc. reported a net income of 1.36M and revenue of 33.46M, resulting in a net margin of 4.1%.