NECB vs. USCB

Last updated Jun 24, 2026

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 3 years, NECB returned 27.25%/yr vs 24.43%/yr for USCB. At a 0.33 correlation, their price movements are largely independent.

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.

Returns By Period

In the year-to-date period, NECB achieves a 19.85% return, which is significantly higher than USCB's 8.64% return.

NECB

• 1D: 2.66%
• 1M: 11.05%
• YTD: 19.85%
• 6M: 17.62%
• 1Y: 21.52%
• 3Y*: 27.25%
• 5Y*: 21.49%
• 10Y*: 21.58%

USCB

• 1D: 1.70%
• 1M: 6.07%
• YTD: 8.64%
• 6M: 5.11%
• 1Y: 25.72%
• 3Y*: 24.43%
• 5Y*: —
• 10Y*: —

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

NECB vs. USCB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
NECB Northeast Community Bancorp, Inc.	19.85%	-3.51%	41.77%	20.41%	38.91%	7.57%
USCB USCB Financial Holdings, Inc.	8.64%	6.13%	47.03%	0.41%	-12.89%	30.89%

Correlation

The correlation between NECB and USCB is 0.60, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.60
Correlation (3Y) Calculated over the trailing 3-year period	0.47
Correlation (All Time) Calculated using the full available price history since Jul 23, 2021	0.33

Over the past year, NECB and USCB have become more correlated (0.60) than their long-term average of 0.33, meaning their price movements have been converging.

Fundamentals

Market Cap NECB : $360.23M USCB : $364.47M
EPS NECB : $2.49 USCB : $1.45
PE Ratio NECB : 10.69 USCB : 13.65
PEG Ratio NECB : 0.19 USCB : 0.29
PS Ratio NECB : 3.10 USCB : 2.70
PB Ratio NECB : 1.01 USCB : 1.63
Total Revenue (TTM) NECB : $116.88M USCB : $140.58M
Gross Profit (TTM) NECB : $77.77M USCB : $91.65M
EBITDA (TTM) NECB : $48.19M USCB : $37.81M

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: 64
NECB Sharpe Ratio Rank: 68
NECB Sortino Ratio Rank: 64
NECB Omega Ratio Rank: 60
NECB Calmar Ratio Rank: 66
NECB Martin Ratio Rank: 64

USCB

USCB Risk / Return Rank: 69
USCB Sharpe Ratio Rank: 70
USCB Sortino Ratio Rank: 66
USCB Omega Ratio Rank: 64
USCB Calmar Ratio Rank: 75
USCB Martin Ratio Rank: 72

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.

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 ratio: Return per unit of total volatility	0.81	0.89	-0.08
Sortino ratio: Return per unit of downside risk	1.35	1.44	-0.09
Omega ratio: Gain probability vs. loss probability	1.15	1.17	-0.02
Calmar ratio: Return relative to maximum drawdown	1.15	1.90	-0.75
Martin ratio: Return relative to average drawdown	2.35	3.79	-1.44

NECB vs. USCB - Sharpe Ratio Comparison

The current NECB Sharpe Ratio is 0.81, which is comparable to the USCB Sharpe Ratio of 0.89. The chart below compares the historical Sharpe Ratios of NECB and USCB, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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%	-13.61%	-5.16%
Max Drawdown (3Y) Largest decline over 3 years	-34.54%	-23.22%	-11.32%
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	-9.07%	-3.32%	-5.75%
Average Drawdown Average peak-to-trough decline	-24.84%	-17.26%	-7.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	9.19%	6.81%	+2.38%

Volatility

NECB vs. USCB - Volatility Comparison

Northeast Community Bancorp, Inc. (NECB) and USCB Financial Holdings, Inc. (USCB) have volatilities of 6.10% and 6.36%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. 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	6.10%	6.36%	-0.26%
Volatility (6M) Calculated over the trailing 6-month period	15.92%	19.91%	-3.99%
Volatility (1Y) Calculated over the trailing 1-year period	26.69%	28.99%	-2.30%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	24.96%	36.85%	-11.89%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.11%	36.85%	-7.74%

Dividends

NECB vs. USCB - Dividend Comparison

NECB's dividend yield for the trailing twelve months is around 3.75%, more than USCB's 2.28% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
NECB Northeast Community Bancorp, Inc.	3.75%	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.	2.28%	2.17%	1.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both NECB and USCB in my portfolio?

NECB and USCB have a correlation of 0.60, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, NECB or USCB?

USCB has higher volatility (6.36%) compared to NECB (6.10%). In terms of maximum drawdown, NECB dropped -61.91% vs USCB's -44.24%.

Which has better risk-adjusted returns?

USCB currently has the higher Sharpe Ratio (0.89 vs 0.81), 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.