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Side-by-side financial comparison of NorthEast Community Bancorp, Inc. (NECB) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $26.4M, roughly 1.8× NorthEast Community Bancorp, Inc.). NorthEast Community Bancorp, Inc. runs the higher net margin — 40.9% vs -33.9%, a 74.8% gap on every dollar of revenue. On growth, NorthEast Community Bancorp, Inc. posted the faster year-over-year revenue change (3.9% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 1.8%).
NorthEast Community Bancorp, Inc. (MD) is a U.S.-based bank holding company operating primarily in the Mid-Atlantic region. It provides a comprehensive suite of consumer and commercial banking services, including deposit products, mortgage loans, small business financing, and wealth management solutions to individual and local enterprise clients.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
NECB vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.4M | $47.1M |
| Net Profit | $10.8M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 59.0% | -17.7% |
| Net Margin | 40.9% | -33.9% |
| Revenue YoY | 3.9% | -15.6% |
| Net Profit YoY | 5.8% | 68.8% |
| EPS (diluted) | $0.78 | $-4.40 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $26.4M | $47.1M | ||
| Q3 25 | $27.0M | $38.2M | ||
| Q2 25 | $25.9M | $38.4M | ||
| Q1 25 | $25.5M | $32.5M | ||
| Q4 24 | $25.4M | $55.8M | ||
| Q3 24 | $27.6M | $29.3M | ||
| Q2 24 | $27.0M | $34.0M | ||
| Q1 24 | $25.5M | $25.5M |
| Q4 25 | $10.8M | $-16.0M | ||
| Q3 25 | $11.9M | $-23.8M | ||
| Q2 25 | $11.2M | $202.5M | ||
| Q1 25 | $10.6M | $-25.0M | ||
| Q4 24 | $10.2M | $-51.1M | ||
| Q3 24 | $12.7M | $-148.3M | ||
| Q2 24 | $12.8M | $-582.3M | ||
| Q1 24 | $11.4M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 59.0% | -17.7% | ||
| Q3 25 | 61.6% | -33.6% | ||
| Q2 25 | 59.5% | -34.8% | ||
| Q1 25 | 57.4% | -65.0% | ||
| Q4 24 | 57.0% | -84.4% | ||
| Q3 24 | 63.6% | -493.2% | ||
| Q2 24 | 65.6% | -1705.5% | ||
| Q1 24 | 62.7% | -267.0% |
| Q4 25 | 40.9% | -33.9% | ||
| Q3 25 | 44.0% | -62.2% | ||
| Q2 25 | 43.1% | 527.8% | ||
| Q1 25 | 41.4% | -76.9% | ||
| Q4 24 | 40.1% | -91.6% | ||
| Q3 24 | 45.9% | -506.3% | ||
| Q2 24 | 47.5% | -1712.6% | ||
| Q1 24 | 44.5% | -283.9% |
| Q4 25 | $0.78 | $-4.40 | ||
| Q3 25 | $0.87 | $-2.84 | ||
| Q2 25 | $0.82 | $-1.79 | ||
| Q1 25 | $0.78 | $-0.15 | ||
| Q4 24 | $0.74 | $-15.29 | ||
| Q3 24 | $0.95 | $-18.24 | ||
| Q2 24 | $0.97 | $-71.81 | ||
| Q1 24 | $0.86 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $81.2M | $48.9M |
| Total DebtLower is stronger | $70.0M | — |
| Stockholders' EquityBook value | $351.7M | $-249.4M |
| Total Assets | $2.1B | $308.9M |
| Debt / EquityLower = less leverage | 0.20× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $81.2M | $48.9M | ||
| Q3 25 | $64.3M | $43.1M | ||
| Q2 25 | $59.4M | $40.8M | ||
| Q1 25 | $89.5M | $58.6M | ||
| Q4 24 | $78.3M | $56.3M | ||
| Q3 24 | $97.8M | $75.4M | ||
| Q2 24 | $113.9M | $89.6M | ||
| Q1 24 | $107.4M | $112.8M |
| Q4 25 | $70.0M | — | ||
| Q3 25 | $170.0M | — | ||
| Q2 25 | $135.0M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $7.0M | — | ||
| Q2 24 | $47.0M | — | ||
| Q1 24 | $47.0M | — |
| Q4 25 | $351.7M | $-249.4M | ||
| Q3 25 | $344.0M | $-235.7M | ||
| Q2 25 | $336.7M | $-214.1M | ||
| Q1 25 | $327.2M | $-417.5M | ||
| Q4 24 | $318.3M | $-398.4M | ||
| Q3 24 | $309.6M | $-344.1M | ||
| Q2 24 | $300.0M | $-203.2M | ||
| Q1 24 | $288.9M | $371.6M |
| Q4 25 | $2.1B | $308.9M | ||
| Q3 25 | $2.1B | $362.6M | ||
| Q2 25 | $2.0B | $379.2M | ||
| Q1 25 | $1.9B | $405.1M | ||
| Q4 24 | $2.0B | $437.4M | ||
| Q3 24 | $2.0B | $537.8M | ||
| Q2 24 | $1.9B | $691.5M | ||
| Q1 24 | $1.9B | $1.3B |
| Q4 25 | 0.20× | — | ||
| Q3 25 | 0.49× | — | ||
| Q2 25 | 0.40× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.02× | — | ||
| Q2 24 | 0.16× | — | ||
| Q1 24 | 0.16× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $52.6M | $8.2M |
| Free Cash FlowOCF − Capex | $50.8M | — |
| FCF MarginFCF / Revenue | 192.3% | — |
| Capex IntensityCapex / Revenue | 6.6% | — |
| Cash ConversionOCF / Net Profit | 4.86× | — |
| TTM Free Cash FlowTrailing 4 quarters | $89.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $52.6M | $8.2M | ||
| Q3 25 | $14.1M | $11.4M | ||
| Q2 25 | $15.6M | $-21.3M | ||
| Q1 25 | $10.9M | $8.5M | ||
| Q4 24 | $48.7M | $-14.7M | ||
| Q3 24 | $14.4M | $-9.4M | ||
| Q2 24 | $11.1M | $-11.9M | ||
| Q1 24 | $12.9M | $-621.0K |
| Q4 25 | $50.8M | — | ||
| Q3 25 | $13.6M | — | ||
| Q2 25 | $14.9M | — | ||
| Q1 25 | $10.6M | — | ||
| Q4 24 | $48.2M | — | ||
| Q3 24 | $14.2M | — | ||
| Q2 24 | $11.0M | — | ||
| Q1 24 | $12.8M | — |
| Q4 25 | 192.3% | — | ||
| Q3 25 | 50.5% | — | ||
| Q2 25 | 57.3% | — | ||
| Q1 25 | 41.4% | — | ||
| Q4 24 | 189.3% | — | ||
| Q3 24 | 51.5% | — | ||
| Q2 24 | 40.8% | — | ||
| Q1 24 | 50.3% | — |
| Q4 25 | 6.6% | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.3% | — |
| Q4 25 | 4.86× | — | ||
| Q3 25 | 1.18× | — | ||
| Q2 25 | 1.40× | -0.11× | ||
| Q1 25 | 1.04× | — | ||
| Q4 24 | 4.77× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 0.87× | — | ||
| Q1 24 | 1.13× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
