NECB vs TRST vs WNEB Stock Comparison

NorthEast Community Bancorp, Trustco Bank Corp N Y and Western New England Bancorp 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
5 wins

Head to Head

11 decided of 12

Trustco Bank Corp N Y leads on 5 of the 12 questions below (Trustco Bank Corp N Y 5, NorthEast Community Bancorp 5, Western New England Bancorp 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionNECBTRSTWNEBLeader
Larger companyMarket capitalisation $393.55M $974.47M $273.08M TRST
Cheaper on earningsLower P/E, profitable companies only 9.3x 15.0x 16.3x NECB
Cheaper on forward earningsLower price / next fiscal year consensus EPS 8.6x 11.5x 14.6x NECB
Faster revenue growthRevenue growth, trailing twelve months -0.9% +10.2% +16.5% WNEB
More profitableNet margin, trailing twelve months 40.9% 33.0% 19.0% NECB
Better return on capitalReturn on invested capital 16.7% 17.0% 15.6% TRST
Less leveragedLower net debt / EBITDA 0.8x -3.3x 0.9x TRST
Higher dividend yieldTrailing dividend yield 0.00% 0.03% 0.00% –
Better 1-year returnPrice return, last 12 months +37.3% +50.9% +22.8% TRST
Better 5-year returnAnnualised price return, 5 years +20.8%/yr +10.9%/yr +9.4%/yr NECB
Less volatileAnnualised volatility, 1 year 23.5% 23.1% 25.6% TRST
Higher overall scoreMean of the five percentile scores vs peers 68/100 52/100 33/100 NECB

Percentile Scorecard

NECBTRSTWNEB

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

AxisNECBTRSTWNEB
Valuation 82 #67 of 361 60 #144 of 361 30 #254 of 361
Growth 19 #279 of 344 17 #286 of 344 25 #259 of 344
Profitability 94 #23 of 348 65 #121 of 348 18 #287 of 348
Financial Health 61 #134 of 340 74 #91 of 340 30 #237 of 340
Shareholder Returns 86 #49 of 352 42 #206 of 352 62 #135 of 352
Overall 68 52 33
  • NECB ranked among 370 companies in Banking
  • TRST ranked among 370 companies in Banking
  • WNEB ranked among 370 companies in Banking

Price Performance

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

Returns

PeriodNECBTRSTWNEBSPY
1 month +5.3%+0.3%+1.2% -1.0%
3 months +4.2%-2.8%-2.6% +2.9%
6 months +14.3%+20.8%+0.1% +6.4%
Year to date +22.8%+34.8%+10.0% +11.4%
1 year +37.3%+50.9%+22.8% +13.1%
3 years +92.6%+126.4%+102.6% +79.4%
3 years, per year +24.4%+31.3%+26.6% +21.5%
5 years +157.1%+67.4%+56.8% +67.7%
5 years, per year +20.8%+10.9%+9.4% +10.9%
10 years +441.6%+57.0%+75.7% +255.2%
10 years, per year +18.4%+4.6%+5.8% +13.5%

Risk

MeasureNECBTRSTWNEBSPY
Volatility, 1Y 23.5%23.1%25.6% 12.7%
Downside volatility, 1Y 21.7%24.7%27.7% 12.7%
Beta vs S&P 500, 1Y 0.280.320.37 1.00
Return / volatility, 1Y 1.592.210.89 1.03
Max drawdown, 5Y -37.3%-37.1%-43.9% -25.4%
From 52-week high -3.5%-4.9%-6.3% -2.5%
52-week high $28.78$58.62$14.81 $779.14
52-week low $19.51$36.92$11.30 $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.

MultipleNECBTRSTWNEB
P/E now vs peer median 9.0xmedian 12.5x 14.8xmedian 12.5x 16.4xmedian 12.5x
P/S now vs peer median 3.7xmedian 3.5x 4.8xmedian 3.5x 3.2xmedian 3.5x
EV/EBITDA now vs peer median 4.3xmedian 4.8x 2.0xmedian 4.8x 4.7xmedian 4.8x
P/FCF now vs peer median 7.9xmedian 11.4x 15.9xmedian 11.4x 16.2xmedian 11.4x
P/B now vs peer median 1.1xmedian 1.2x 1.4xmedian 1.2x 1.1xmedian 1.2x
PEG now vs peer median 1.37median 1.48 -10.22median 1.48 -2.16median 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 monthsNECBTRSTWNEB
Revenue $103.62M $197.02M $88.24M
Net income $42.42M $65.07M $16.75M
Free cash flow $48.41M $59.75M $17.20M
EPS (diluted) $3.13 $3.74 $0.84
Cash & equivalents $73.41M $696.64M –
Total debt $190.00M $439.12M $62.55M
Shares (diluted) 13.54M 17.39M 19.89M
Enterprise value -$8.45M -$1.92B $270.71M

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
MetricNECBTRSTWNEB
P/E 9.0x 14.8x 16.4x
P/FCF 7.9x 15.9x 16.2x
P/Operating cash flow 7.8x 13.7x 14.5x
P/S 3.7x 4.8x 3.2x
P/B 1.1x 1.4x 1.1x
P/Tangible book 1.1x 1.4x 1.1x
EV/EBITDA 4.3x 2.0x 4.7x
EV/EBIT 4.3x 2.1x 5.0x
EV/Revenue 4.6x 1.8x 3.9x
EV/FCF 9.7x 6.0x 19.8x
EV/Operating cash flow 9.6x 5.2x 17.7x
PEG (3Y EPS CAGR) 1.37 -10.22 -2.16

Growth

14 metrics
MetricNECBTRSTWNEB
Revenue growth (1Y) -0.9% 10.2% 16.5%
Revenue CAGR (3Y) 5.4% -1.5% -0.4%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) -5.0% 21.7% 38.6%
Net income CAGR (3Y) 3.6% -4.4% -10.2%
EPS growth (1Y) -4.8% 33.0% 41.5%
EPS CAGR (3Y) 6.6% -1.4% -7.6%
Operating cash flow growth (1Y) -3.8% 16.8% 27.6%
Operating cash flow CAGR (3Y) 8.8% -4.8% -10.3%
Free cash flow growth (1Y) -2.7% 21.4% 26.7%
Free cash flow CAGR (3Y) 8.8% -7.7% -11.7%

Profitability

14 metrics
MetricNECBTRSTWNEB
Gross margin – – –
EBITDA margin 106.9% 91.6% 81.4%
Operating margin – – –
Pretax margin 58.0% 43.9% 24.7%
Net margin 40.9% 33.0% 19.0%
FCF margin 46.7% 30.3% 19.5%
Operating cash flow margin 47.5% 35.1% 21.7%
Return on equity 11.8% 9.8% 6.7%
Return on assets 2.0% 1.0% 0.6%
Return on invested capital 16.7% 17.0% 15.6%
Return on capital employed – – –
Asset turnover 0.1x 0.0x 0.0x
Cash conversion (OCF / net income) 1.2x 1.1x 1.1x
Stock comp / revenue 1.5% 0.8% 0.9%

Financial Health

11 metrics
MetricNECBTRSTWNEB
Debt / assets 9.0% 1.7% 2.3%
Debt / equity 0.5x 0.2x 0.3x
Net debt / EBITDA 0.8x -3.3x 0.9x
Debt / FCF 3.9x 1.8x 3.6x
Liabilities / assets 82.9% 89.9% 90.9%
Equity / assets 17.1% 10.1% 9.1%
Interest coverage 2.2x 2.0x 1.5x
Current ratio – – –
Quick ratio – – –
Cash ratio – – –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricNECBTRSTWNEB
Dividend yield 3.2% 2.8% 2.0%
Net buyback yield 1.8% 8.6% 2.4%
Shareholder yield 5.0% 11.3% 4.4%
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.

ConsensusNECBTRSTWNEB
Forward P/E 8.6xFY2026 11.5xFY2027 14.6xFY2026
EPS, next fiscal year $3.23FY2026 $4.86FY2027 $0.95FY2026
EPS growth, next FY -0.6%FY2026 +49.1%FY2027 +26.7%FY2026
EPS growth, the year after +14.9% – +11.6%
Revenue, next fiscal year $113.45MFY2026 $212.61MFY2027 $97.82MFY2026
Revenue growth, next FY +8.2%FY2026 +5.1%FY2027 +18.4%FY2026
Revenue growth, the year after +5.4% – +5.6%
NECB estimates →TRST estimates →WNEB estimates →

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersNECBTRSTWNEB
Held by institutions 50.8% 76.6% 62.7%
Institutions holding 126 188 102
Change in shares held, QoQ +4.1% -2.7% -0.4%
Institutions buying 67 78 53
Institutions selling 33 60 28
Buyers to sellers 2.03 1.30 1.89
NECB holders →TRST holders →WNEB 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.

NECBTRSTWNEB
NECB 1.00 0.59 0.59
TRST 0.59 1.00 0.65
WNEB 0.59 0.65 1.00

Add a Peer

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

Related Comparisons

NECB vs TFSLTFS Financial NECB vs CFFNCapitol Federal Financial NECB vs GCBCGreene County Bancorp NECB vs KRNYKearny Financial

Frequently Asked Questions

Which is bigger, NECB, TRST and WNEB?

Trustco Bank Corp N Y (TRST) is the largest by market capitalisation: NorthEast Community Bancorp (NECB) $393.55M, Trustco Bank Corp N Y (TRST) $974.47M, Western New England Bancorp (WNEB) $273.08M.

Which stock is cheaper, NECB, TRST and WNEB?

NorthEast Community Bancorp (NECB) trades on the lowest price-to-earnings ratio (NorthEast Community Bancorp (NECB) 9.3x, Trustco Bank Corp N Y (TRST) 15.0x, Western New England Bancorp (WNEB) 16.3x). 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, Western New England Bancorp (WNEB) 14.6x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Western New England Bancorp (WNEB) grew revenue fastest over the trailing twelve months: NorthEast Community Bancorp (NECB) -0.9%, Trustco Bank Corp N Y (TRST) +10.2%, Western New England Bancorp (WNEB) +16.5%.

Which company is more profitable?

NorthEast Community Bancorp (NECB) has the highest net margin (NorthEast Community Bancorp (NECB) 40.9%, Trustco Bank Corp N Y (TRST) 33.0%, Western New England Bancorp (WNEB) 19.0%). On return on invested capital, Trustco Bank Corp N Y (TRST) leads (NorthEast Community Bancorp (NECB) 16.7%, Trustco Bank Corp N Y (TRST) 17.0%, Western New England Bancorp (WNEB) 15.6%).

Which stock has performed better?

Over the past year Trustco Bank Corp N Y (TRST) returned the most: NorthEast Community Bancorp (NECB) +37.3%, Trustco Bank Corp N Y (TRST) +50.9%, Western New England Bancorp (WNEB) +22.8%. Over five years, NorthEast Community Bancorp (NECB) compounded fastest (NorthEast Community Bancorp (NECB) +20.8%/yr, Trustco Bank Corp N Y (TRST) +10.9%/yr, Western New England Bancorp (WNEB) +9.4%/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%, Trustco Bank Corp N Y (TRST) 0.03%, Western New England Bancorp (WNEB) 0.00%. NorthEast Community Bancorp (NECB) and Western New England Bancorp (WNEB) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Trustco Bank Corp N Y (TRST) has been the steadiest (NorthEast Community Bancorp (NECB) 23.5%, Trustco Bank Corp N Y (TRST) 23.1%, Western New England Bancorp (WNEB) 25.6%). Volatility measures how widely the price swings, not the risk of the business.

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

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Trustco Bank Corp N Y (TRST) 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.