GCBC vs NECB vs TRST Stock Comparison

Greene County Bancorp, NorthEast Community Bancorp and Trustco Bank Corp N Y Prices as of Oct 23, 2026 Peers: Industry group
GCBC Greene County Bancorp Inc
$35.61 +3.0% 1M +64.0% 1Y
Market cap
$606.11M
P/E
14.8x
Revenue (TTM)
$92.58M
Div. yield
–
Thrifts and Savings Banks Financial Services
4 wins
TRST Trustco Bank Corp N Y
$55.73 +0.3% 1M +50.9% 1Y
Market cap
$974.47M
P/E
15.0x
Revenue (TTM)
$197.02M
Div. yield
0.03%
Thrifts and Savings Banks Financial Services
3 wins

Head to Head

11 decided of 12

NorthEast Community Bancorp leads on 4 of the 12 questions below (NorthEast Community Bancorp 4, Greene County Bancorp 4, Trustco Bank Corp N Y 3). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionGCBCNECBTRSTLeader
Larger companyMarket capitalisation $606.11M $393.55M $974.47M TRST
Cheaper on earningsLower P/E, profitable companies only 14.8x 9.3x 15.0x NECB
Cheaper on forward earningsLower price / next fiscal year consensus EPS — 8.6x 11.5x NECB
Faster revenue growthRevenue growth, trailing twelve months +22.9% -0.9% +10.2% GCBC
More profitableNet margin, trailing twelve months 44.3% 40.9% 33.0% GCBC
Better return on capitalReturn on invested capital 28.5% 16.7% 17.0% GCBC
Less leveragedLower net debt / EBITDA 0.2x 0.8x -3.3x TRST
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.03% –
Better 1-year returnPrice return, last 12 months +64.0% +37.3% +50.9% GCBC
Better 5-year returnAnnualised price return, 5 years +16.3%/yr +20.8%/yr +10.9%/yr NECB
Less volatileAnnualised volatility, 1 year 30.6% 23.5% 23.1% TRST
Higher overall scoreMean of the five percentile scores vs peers 51/100 68/100 52/100 NECB

Percentile Scorecard

GCBCNECBTRST

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisGCBCNECBTRST
Valuation 10 #326 of 361 82 #67 of 361 60 #144 of 361
Growth 81 #65 of 344 19 #279 of 344 17 #286 of 344
Profitability 92 #30 of 348 94 #23 of 348 65 #121 of 348
Financial Health 63 #128 of 340 61 #134 of 340 74 #91 of 340
Shareholder Returns 7 #326 of 352 86 #49 of 352 42 #206 of 352
Overall 51 68 52
  • GCBC ranked among 370 companies in Banking
  • NECB ranked among 370 companies in Banking
  • TRST ranked among 370 companies in Banking

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodGCBCNECBTRSTSPY
1 month +3.0%+5.3%+0.3% -1.0%
3 months +7.9%+4.2%-2.8% +2.9%
6 months +52.0%+14.3%+20.8% +6.4%
Year to date +60.2%+22.8%+34.8% +11.4%
1 year +64.0%+37.3%+50.9% +13.1%
3 years +55.0%+92.6%+126.4% +79.4%
3 years, per year +15.7%+24.4%+31.3% +21.5%
5 years +112.6%+157.1%+67.4% +67.7%
5 years, per year +16.3%+20.8%+10.9% +10.9%
10 years +323.9%+441.6%+57.0% +255.2%
10 years, per year +15.5%+18.4%+4.6% +13.5%

Risk

MeasureGCBCNECBTRSTSPY
Volatility, 1Y 30.6%23.5%23.1% 12.7%
Downside volatility, 1Y 28.4%21.7%24.7% 12.7%
Beta vs S&P 500, 1Y 0.270.280.32 1.00
Return / volatility, 1Y 2.091.592.21 1.03
Max drawdown, 5Y -53.2%-37.3%-37.1% -25.4%
From 52-week high -1.1%-3.5%-4.9% -2.5%
52-week high $36.01$28.78$58.62 $779.14
52-week low $21.61$19.51$36.92 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleGCBCNECBTRST
P/E now vs peer median 14.8xmedian 12.5x 9.0xmedian 12.5x 14.8xmedian 12.5x
P/S now vs peer median 6.5xmedian 3.5x 3.7xmedian 3.5x 4.8xmedian 3.5x
EV/EBITDA now vs peer median 6.2xmedian 4.8x 4.3xmedian 4.8x 2.0xmedian 4.8x
P/FCF now vs peer median 14.6xmedian 11.4x 7.9xmedian 11.4x 15.9xmedian 11.4x
P/B now vs peer median 2.2xmedian 1.2x 1.1xmedian 1.2x 1.4xmedian 1.2x
PEG now vs peer median 1.47median 1.48 1.37median 1.48 -10.22median 1.48

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsGCBCNECBTRST
Revenue $92.58M $103.62M $197.02M
Net income $41.02M $42.42M $65.07M
Free cash flow $41.56M $48.41M $59.75M
EPS (diluted) $2.41 $3.13 $3.74
Cash & equivalents $15.12M $73.41M $696.64M
Total debt $36.15M $190.00M $439.12M
Shares (diluted) 17.03M 13.54M 17.39M
Enterprise value $585.89M -$8.45M -$1.92B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricGCBCNECBTRST
P/E 14.8x 9.0x 14.8x
P/FCF 14.6x 7.9x 15.9x
P/Operating cash flow 14.3x 7.8x 13.7x
P/S 6.5x 3.7x 4.8x
P/B 2.2x 1.1x 1.4x
P/Tangible book 2.2x 1.1x 1.4x
EV/EBITDA 6.2x 4.3x 2.0x
EV/EBIT 6.3x 4.3x 2.1x
EV/Revenue 6.8x 4.6x 1.8x
EV/FCF 15.1x 9.7x 6.0x
EV/Operating cash flow 14.8x 9.6x 5.2x
PEG (3Y EPS CAGR) 1.47 1.37 -10.22

Growth

14 metrics
MetricGCBCNECBTRST
Revenue growth (1Y) 22.9% -0.9% 10.2%
Revenue CAGR (3Y) 8.1% 5.4% -1.5%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) 31.7% -5.0% 21.7%
Net income CAGR (3Y) 10.0% 3.6% -4.4%
EPS growth (1Y) 31.8% -4.8% 33.0%
EPS CAGR (3Y) 10.0% 6.6% -1.4%
Operating cash flow growth (1Y) 51.2% -3.8% 16.8%
Operating cash flow CAGR (3Y) 14.6% 8.8% -4.8%
Free cash flow growth (1Y) 52.3% -2.7% 21.4%
Free cash flow CAGR (3Y) 16.1% 8.8% -7.7%

Profitability

14 metrics
MetricGCBCNECBTRST
Gross margin – – –
EBITDA margin 109.7% 106.9% 91.6%
Operating margin – – –
Pretax margin 50.6% 58.0% 43.9%
Net margin 44.3% 40.9% 33.0%
FCF margin 44.9% 46.7% 30.3%
Operating cash flow margin 45.7% 47.5% 35.1%
Return on equity 15.0% 11.8% 9.8%
Return on assets 1.3% 2.0% 1.0%
Return on invested capital 28.5% 16.7% 17.0%
Return on capital employed – – –
Asset turnover 0.0x 0.1x 0.0x
Cash conversion (OCF / net income) 1.0x 1.2x 1.1x
Stock comp / revenue – 1.5% 0.8%

Financial Health

11 metrics
MetricGCBCNECBTRST
Debt / assets 1.1% 9.0% 1.7%
Debt / equity 0.1x 0.5x 0.2x
Net debt / EBITDA 0.2x 0.8x -3.3x
Debt / FCF 0.9x 3.9x 1.8x
Liabilities / assets 91.3% 82.9% 89.9%
Equity / assets 8.7% 17.1% 10.1%
Interest coverage 1.9x 2.2x 2.0x
Current ratio – – –
Quick ratio – – –
Cash ratio – – –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricGCBCNECBTRST
Dividend yield 1.2% 3.2% 2.8%
Net buyback yield – 1.8% 8.6%
Shareholder yield 1.2% 5.0% 11.3%
Payout ratio (earnings) – – 42.2%
Payout ratio (FCF) – – 45.9%
Dividend growth (1Y) – – 0.1%
Dividend CAGR (3Y) – – 0.3%

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusGCBCNECBTRST
Forward P/E – 8.6xFY2026 11.5xFY2027
EPS, next fiscal year – $3.23FY2026 $4.86FY2027
EPS growth, next FY – -0.6%FY2026 +49.1%FY2027
EPS growth, the year after – +14.9% –
Revenue, next fiscal year – $113.45MFY2026 $212.61MFY2027
Revenue growth, next FY – +8.2%FY2026 +5.1%FY2027
Revenue growth, the year after – +5.4% –
GCBC estimates →NECB estimates →TRST estimates →

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersGCBCNECBTRST
Held by institutions 14.9% 50.8% 76.6%
Institutions holding 81 126 188
Change in shares held, QoQ +9.8% +4.1% -2.7%
Institutions buying 49 67 78
Institutions selling 18 33 60
Buyers to sellers 2.72 2.03 1.30
GCBC holders →NECB holders →TRST holders →

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

GCBCNECBTRST
GCBC 1.00 0.56 0.51
NECB 0.56 1.00 0.59
TRST 0.51 0.59 1.00

Add a Peer

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GCBC · Thrifts and Savings Banks
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Plot all 27 Thrifts and Savings Banks stocks →

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Frequently Asked Questions

Which is bigger, GCBC, NECB and TRST?

Trustco Bank Corp N Y (TRST) is the largest by market capitalisation: Greene County Bancorp (GCBC) $606.11M, NorthEast Community Bancorp (NECB) $393.55M, Trustco Bank Corp N Y (TRST) $974.47M.

Which stock is cheaper, GCBC, NECB and TRST?

NorthEast Community Bancorp (NECB) trades on the lowest price-to-earnings ratio (Greene County Bancorp (GCBC) 14.8x, NorthEast Community Bancorp (NECB) 9.3x, Trustco Bank Corp N Y (TRST) 15.0x). On next year's consensus earnings, NorthEast Community Bancorp (NECB) is cheapest (NorthEast Community Bancorp (NECB) 8.6x, Trustco Bank Corp N Y (TRST) 11.5x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Greene County Bancorp (GCBC) grew revenue fastest over the trailing twelve months: Greene County Bancorp (GCBC) +22.9%, NorthEast Community Bancorp (NECB) -0.9%, Trustco Bank Corp N Y (TRST) +10.2%.

Which company is more profitable?

Greene County Bancorp (GCBC) has the highest net margin (Greene County Bancorp (GCBC) 44.3%, NorthEast Community Bancorp (NECB) 40.9%, Trustco Bank Corp N Y (TRST) 33.0%). On return on invested capital, Greene County Bancorp (GCBC) leads (Greene County Bancorp (GCBC) 28.5%, NorthEast Community Bancorp (NECB) 16.7%, Trustco Bank Corp N Y (TRST) 17.0%).

Which stock has performed better?

Over the past year Greene County Bancorp (GCBC) returned the most: Greene County Bancorp (GCBC) +64.0%, NorthEast Community Bancorp (NECB) +37.3%, Trustco Bank Corp N Y (TRST) +50.9%. Over five years, NorthEast Community Bancorp (NECB) compounded fastest (Greene County Bancorp (GCBC) +16.3%/yr, NorthEast Community Bancorp (NECB) +20.8%/yr, Trustco Bank Corp N Y (TRST) +10.9%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Greene County Bancorp (GCBC) 0.00%, NorthEast Community Bancorp (NECB) 0.00%, Trustco Bank Corp N Y (TRST) 0.03%. Greene County Bancorp (GCBC) and NorthEast Community Bancorp (NECB) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Trustco Bank Corp N Y (TRST) has been the steadiest (Greene County Bancorp (GCBC) 30.6%, NorthEast Community Bancorp (NECB) 23.5%, Trustco Bank Corp N Y (TRST) 23.1%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, GCBC, NECB and TRST?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, NorthEast Community Bancorp (NECB) leads on 4. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.