NECB vs CFFN vs TRST Stock Comparison

NorthEast Community Bancorp, Capitol Federal Financial and Trustco Bank Corp N Y Prices as of Oct 23, 2026 Peers: Industry group
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 5 of the 12 questions below (NorthEast Community Bancorp 5, Capitol Federal Financial 3, 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.

QuestionNECBCFFNTRSTLeader
Larger companyMarket capitalisation $393.55M $1.05B $974.47M CFFN
Cheaper on earningsLower P/E, profitable companies only 9.3x 12.6x 15.0x NECB
Cheaper on forward earningsLower price / next fiscal year consensus EPS 8.6x 11.5x 11.5x NECB
Faster revenue growthRevenue growth, trailing twelve months -0.9% +19.4% +10.2% CFFN
More profitableNet margin, trailing twelve months 40.9% 36.1% 33.0% NECB
Better return on capitalReturn on invested capital 16.7% 9.5% 17.0% TRST
Less leveragedLower net debt / EBITDA 0.8x 4.7x -3.3x TRST
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.03% –
Better 1-year returnPrice return, last 12 months +37.3% +34.2% +50.9% TRST
Better 5-year returnAnnualised price return, 5 years +20.8%/yr -6.7%/yr +10.9%/yr NECB
Less volatileAnnualised volatility, 1 year 23.5% 23.0% 23.1% CFFN
Higher overall scoreMean of the five percentile scores vs peers 68/100 49/100 52/100 NECB

Percentile Scorecard

NECBCFFNTRST

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

AxisNECBCFFNTRST
Valuation 82 #67 of 361 18 #296 of 361 60 #144 of 361
Growth 19 #279 of 344 83 #58 of 344 17 #286 of 344
Profitability 94 #23 of 348 39 #214 of 348 65 #121 of 348
Financial Health 61 #134 of 340 7 #317 of 340 74 #91 of 340
Shareholder Returns 86 #49 of 352 98 #7 of 352 42 #206 of 352
Overall 68 49 52
  • NECB ranked among 370 companies in Banking
  • CFFN 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

PeriodNECBCFFNTRSTSPY
1 month +5.3%-3.3%+0.3% -1.0%
3 months +4.2%-2.9%-2.8% +2.9%
6 months +14.3%+9.2%+20.8% +6.4%
Year to date +22.8%+23.3%+34.8% +11.4%
1 year +37.3%+34.2%+50.9% +13.1%
3 years +92.6%+98.1%+126.4% +79.4%
3 years, per year +24.4%+25.6%+31.3% +21.5%
5 years +157.1%-29.3%+67.4% +67.7%
5 years, per year +20.8%-6.7%+10.9% +10.9%
10 years +441.6%-40.5%+57.0% +255.2%
10 years, per year +18.4%-5.1%+4.6% +13.5%

Risk

MeasureNECBCFFNTRSTSPY
Volatility, 1Y 23.5%23.0%23.1% 12.7%
Downside volatility, 1Y 21.7%23.2%24.7% 12.7%
Beta vs S&P 500, 1Y 0.280.570.32 1.00
Return / volatility, 1Y 1.591.492.21 1.03
Max drawdown, 5Y -37.3%-66.7%-37.1% -25.4%
From 52-week high -3.5%-8.6%-4.9% -2.5%
52-week high $28.78$9.19$58.62 $779.14
52-week low $19.51$6.02$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.

MultipleNECBCFFNTRST
P/E now vs peer median 9.0xmedian 12.5x 12.6xmedian 12.5x 14.8xmedian 12.5x
P/S now vs peer median 3.7xmedian 3.5x 4.6xmedian 3.5x 4.8xmedian 3.5x
EV/EBITDA now vs peer median 4.3xmedian 4.8x 7.9xmedian 4.8x 2.0xmedian 4.8x
P/FCF now vs peer median 7.9xmedian 11.4x 14.8xmedian 11.4x 15.9xmedian 11.4x
P/B now vs peer median 1.1xmedian 1.2x 1.0xmedian 1.2x 1.4xmedian 1.2x
PEG now vs peer median 1.37median 1.48 0.83median 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 monthsNECBCFFNTRST
Revenue $103.62M $229.25M $197.02M
Net income $42.42M $82.84M $65.07M
Free cash flow $48.41M $71.53M $59.75M
EPS (diluted) $3.13 $0.67 $3.74
Cash & equivalents $73.41M $136.10M $696.64M
Total debt $190.00M $1.64B $439.12M
Shares (diluted) 13.54M 124.01M 17.39M
Enterprise value -$8.45M $93.92M -$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
MetricNECBCFFNTRST
P/E 9.0x 12.6x 14.8x
P/FCF 7.9x 14.8x 15.9x
P/Operating cash flow 7.8x 13.6x 13.7x
P/S 3.7x 4.6x 4.8x
P/B 1.1x 1.0x 1.4x
P/Tangible book 1.1x 1.0x 1.4x
EV/EBITDA 4.3x 7.9x 2.0x
EV/EBIT 4.3x 8.1x 2.1x
EV/Revenue 4.6x 11.2x 1.8x
EV/FCF 9.7x 35.8x 6.0x
EV/Operating cash flow 9.6x 32.9x 5.2x
PEG (3Y EPS CAGR) 1.37 0.83 -10.22

Growth

14 metrics
MetricNECBCFFNTRST
Revenue growth (1Y) -0.9% 19.4% 10.2%
Revenue CAGR (3Y) 5.4% 5.6% -1.5%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) -5.0% 35.2% 21.7%
Net income CAGR (3Y) 3.6% 12.5% -4.4%
EPS growth (1Y) -4.8% 41.8% 33.0%
EPS CAGR (3Y) 6.6% 15.2% -1.4%
Operating cash flow growth (1Y) -3.8% 155.9% 16.8%
Operating cash flow CAGR (3Y) 8.8% 4.6% -4.8%
Free cash flow growth (1Y) -2.7% 185.0% 21.4%
Free cash flow CAGR (3Y) 8.8% 4.6% -7.7%

Profitability

14 metrics
MetricNECBCFFNTRST
Gross margin – – –
EBITDA margin 106.9% 140.4% 91.6%
Operating margin – – –
Pretax margin 58.0% 44.7% 43.9%
Net margin 40.9% 36.1% 33.0%
FCF margin 46.7% 31.2% 30.3%
Operating cash flow margin 47.5% 34.0% 35.1%
Return on equity 11.8% 8.1% 9.8%
Return on assets 2.0% 0.8% 1.0%
Return on invested capital 16.7% 9.5% 17.0%
Return on capital employed – – –
Asset turnover 0.1x 0.0x 0.0x
Cash conversion (OCF / net income) 1.2x 0.9x 1.1x
Stock comp / revenue 1.5% 0.5% 0.8%

Financial Health

11 metrics
MetricNECBCFFNTRST
Debt / assets 9.0% 16.9% 1.7%
Debt / equity 0.5x 1.6x 0.2x
Net debt / EBITDA 0.8x 4.7x -3.3x
Debt / FCF 3.9x 22.9x 1.8x
Liabilities / assets 82.9% 89.4% 89.9%
Equity / assets 17.1% 10.6% 10.1%
Interest coverage 2.2x 1.5x 2.0x
Current ratio – – –
Quick ratio – – –
Cash ratio – – –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricNECBCFFNTRST
Dividend yield 3.2% 4.6% 2.8%
Net buyback yield 1.8% 4.7% 8.6%
Shareholder yield 5.0% 9.4% 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.

ConsensusNECBCFFNTRST
Forward P/E 8.6xFY2026 11.5xFY2026 11.5xFY2027
EPS, next fiscal year $3.23FY2026 $0.73FY2026 $4.86FY2027
EPS growth, next FY -0.6%FY2026 +40.4%FY2026 +49.1%FY2027
EPS growth, the year after +14.9% +11.0% –
Revenue, next fiscal year $113.45MFY2026 $249.46MFY2026 $212.61MFY2027
Revenue growth, next FY +8.2%FY2026 +24.1%FY2026 +5.1%FY2027
Revenue growth, the year after +5.4% -3.6% –
NECB estimates →CFFN estimates →TRST estimates →

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersNECBCFFNTRST
Held by institutions 50.8% 81.1% 76.6%
Institutions holding 126 244 188
Change in shares held, QoQ +4.1% +0.4% -2.7%
Institutions buying 67 110 78
Institutions selling 33 79 60
Buyers to sellers 2.03 1.39 1.30
NECB holders →CFFN 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.

NECBCFFNTRST
NECB 1.00 0.62 0.59
CFFN 0.62 1.00 0.72
TRST 0.59 0.72 1.00

Add a Peer

Largest companies in the same industry
NECB · Thrifts and Savings Banks
+TFSLTFS Financial +GCBCGreene County Bancorp +KRNYKearny Financial +FBLAFB Bancorp +WNEBWestern New England Bancorp +HYNEHoyne Bancorp +PROVProvident Financial Holdings +BYFCBroadway Financial
Plot all 27 Thrifts and Savings Banks stocks →

Related Comparisons

NECB vs TFSLTFS Financial NECB vs GCBCGreene County Bancorp NECB vs KRNYKearny Financial NECB vs FBLAFB Bancorp

Frequently Asked Questions

Which is bigger, NECB, CFFN and TRST?

Capitol Federal Financial (CFFN) is the largest by market capitalisation: NorthEast Community Bancorp (NECB) $393.55M, Capitol Federal Financial (CFFN) $1.05B, Trustco Bank Corp N Y (TRST) $974.47M.

Which stock is cheaper, NECB, CFFN and TRST?

NorthEast Community Bancorp (NECB) trades on the lowest price-to-earnings ratio (NorthEast Community Bancorp (NECB) 9.3x, Capitol Federal Financial (CFFN) 12.6x, 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, Capitol Federal Financial (CFFN) 11.5x, 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?

Capitol Federal Financial (CFFN) grew revenue fastest over the trailing twelve months: NorthEast Community Bancorp (NECB) -0.9%, Capitol Federal Financial (CFFN) +19.4%, Trustco Bank Corp N Y (TRST) +10.2%.

Which company is more profitable?

NorthEast Community Bancorp (NECB) has the highest net margin (NorthEast Community Bancorp (NECB) 40.9%, Capitol Federal Financial (CFFN) 36.1%, Trustco Bank Corp N Y (TRST) 33.0%). On return on invested capital, Trustco Bank Corp N Y (TRST) leads (NorthEast Community Bancorp (NECB) 16.7%, Capitol Federal Financial (CFFN) 9.5%, Trustco Bank Corp N Y (TRST) 17.0%).

Which stock has performed better?

Over the past year Trustco Bank Corp N Y (TRST) returned the most: NorthEast Community Bancorp (NECB) +37.3%, Capitol Federal Financial (CFFN) +34.2%, Trustco Bank Corp N Y (TRST) +50.9%. Over five years, NorthEast Community Bancorp (NECB) compounded fastest (NorthEast Community Bancorp (NECB) +20.8%/yr, Capitol Federal Financial (CFFN) -6.7%/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: NorthEast Community Bancorp (NECB) 0.00%, Capitol Federal Financial (CFFN) 0.00%, Trustco Bank Corp N Y (TRST) 0.03%. NorthEast Community Bancorp (NECB) and Capitol Federal Financial (CFFN) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Capitol Federal Financial (CFFN) has been the steadiest (NorthEast Community Bancorp (NECB) 23.5%, Capitol Federal Financial (CFFN) 23.0%, 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, NECB, CFFN 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 5. 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.