NECB vs. USCB
NECB (Northeast Community Bancorp, Inc.) and USCB (USCB Financial Holdings, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, NECB returned 24.48%/yr vs 16.75%/yr for USCB. Their 0.34 correlation means their historical movements had little consistent relationship.
Performance
NECB vs. USCB - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with NECB having a 21.22% return and USCB slightly lower at 20.86%.
NECB
- 1D
- 0.56%
- 1M
- -2.41%
- 6M
- 15.11%
- YTD
- 21.22%
- 1Y
- 38.42%
- 3Y*
- 22.52%
- 5Y*
- 24.48%
- 10Y*
- 21.22%
- ALL TIME*
- 8.16%
USCB
- 1D
- 0.60%
- 1M
- 7.43%
- 6M
- 18.10%
- YTD
- 20.86%
- 1Y
- 39.25%
- 3Y*
- 27.11%
- 5Y*
- 16.75%
- 10Y*
- —
- ALL TIME*
- 16.57%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.12M | $1.11M | $1.11M | |
| $1.58M | $1.12M | $1.27M |
NECB vs. USCB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NECB Northeast Community Bancorp, Inc. | 21.22% | -3.51% | 41.77% | 20.41% | 38.91% | 7.57% |
USCB USCB Financial Holdings, Inc. | 20.86% | 6.13% | 47.03% | 0.41% | -12.89% | 30.89% |
Correlation
The correlation between NECB and USCB is 0.61, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.61 |
Correlation (3Y) Balances recent behavior with more history. | 0.48 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.34 |
Correlation (All Time) Calculated using the full available price history since Jul 23, 2021 | 0.34 |
Over the past year, NECB and USCB have become more correlated (0.61) than their long-term average of 0.34, meaning their price movements have been converging.
Fundamentals
NECB:
$368.87M
USCB:
$401.26M
NECB:
$3.13
USCB:
$1.47
NECB:
8.54
USCB:
14.90
NECB:
0.15
USCB:
0.32
NECB:
2.38
USCB:
2.95
NECB:
1.00
USCB:
1.82
NECB:
$152.22M
USCB:
$140.58M
NECB:
$101.97M
USCB:
$91.65M
NECB:
$60.92M
USCB:
$37.81M
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Return for Risk
NECB vs. USCB — Risk / Return Rank
NECB
USCB
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NECB | USCB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.10 | ||
| Sortino ratioReturn per unit of downside risk | +0.12 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.23 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.46 | 2.61 | -0.15 |
| Martin ratioReturn relative to average drawdown | 5.62 | 6.02 | -0.40 |
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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.
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Drawdown Indicators
| NECB | USCB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -61.91% | -44.24% | -17.67% |
Max Drawdown (1Y)Largest decline over 1 year | -14.40% | -13.61% | -0.79% |
Max Drawdown (3Y)Largest decline over 3 years | -34.54% | -23.22% | -11.32% |
Max Drawdown (5Y)Largest decline over 5 years | -34.54% | -44.24% | +9.70% |
Max Drawdown (10Y)Largest decline over 10 years | -47.80% | — | — |
Current DrawdownCurrent decline from peak | -8.04% | -3.07% | -4.97% |
Average DrawdownAverage peak-to-trough decline | -24.75% | -16.93% | -7.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.29% | 5.89% | +0.40% |
Volatility
NECB vs. USCB - Volatility Comparison
The current volatility for Northeast Community Bancorp, Inc. (NECB) is 7.45%, while USCB Financial Holdings, Inc. (USCB) has a volatility of 10.04%. 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.
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Volatility by Period
| NECB | USCB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.45% | 10.04% | -2.59% |
Volatility (6M)Calculated over the trailing 6-month period | 16.42% | 18.14% | -1.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.50% | 28.68% | -2.18% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 24.95% | 36.83% | -11.88% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 29.13% | 36.77% | -7.64% |
Dividends
NECB vs. USCB - Dividend Comparison
NECB's dividend yield for the trailing twelve months is around 3.93%, more than USCB's 2.05% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NECB Northeast Community Bancorp, Inc. | 3.93% | 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. | 2.05% | 2.17% | 1.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
NECB vs. USCB - Financials Comparison
This section allows you to compare key financial metrics between Northeast Community Bancorp, Inc. and USCB Financial Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
NECB vs. USCB - Profitability Comparison
NECB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Northeast Community Bancorp, Inc. reported a gross profit of 24.43M and revenue of 36.70M. Therefore, the gross margin over that period was 66.6%.
USCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, USCB Financial Holdings, Inc. reported a gross profit of 25.40M and revenue of 26.20M. Therefore, the gross margin over that period was 96.9%.
NECB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Northeast Community Bancorp, Inc. reported an operating income of 13.81M and revenue of 36.70M, resulting in an operating margin of 37.6%.
USCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, USCB Financial Holdings, Inc. reported an operating income of 11.69M and revenue of 26.20M, resulting in an operating margin of 44.6%.
NECB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Northeast Community Bancorp, Inc. reported a net income of 9.80M and revenue of 36.70M, resulting in a net margin of 26.7%.
USCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, USCB Financial Holdings, Inc. reported a net income of 9.35M and revenue of 26.20M, resulting in a net margin of 35.7%.
Frequently Asked Questions
NECB and USCB have a correlation of 0.61, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USCB has higher volatility (10.04%) compared to NECB (7.45%). In terms of maximum drawdown, NECB dropped -61.91% vs USCB's -44.24%.
NECB currently has the higher Sharpe Ratio (1.34 vs 1.24), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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