NSTS vs GCBC Stock Comparison

NSTS Bancorp and Greene County Bancorp Prices as of Oct 5, 2026 Peers: Industry group
NSTS NSTS Bancorp, Inc.
$14.26 +1.5% 1M +25.1% 1Y
Market cap
$74.91M
P/E
–
Revenue (TTM)
$10.81M
Div. yield
–
Thrifts and Savings Banks Financial Services
1 win
GCBC Greene County Bancorp Inc
$35.75 +3.7% 1M +56.5% 1Y
Market cap
$610.28M
P/E
13.7x
Revenue (TTM)
—
Div. yield
–
Thrifts and Savings Banks Financial Services
2 wins

Head to Head

3 decided of 12

Greene County Bancorp leads on 2 of the 12 questions below (Greene County Bancorp 2, NSTS Bancorp 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionNSTSGCBCLeader
Larger companyMarket capitalisation $74.91M $610.28M GCBC
Cheaper on earningsLower P/E, profitable companies only -286.3x 13.7x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS — — –
Faster revenue growthRevenue growth, trailing twelve months +14.9% — –
More profitableNet margin, trailing twelve months -2.4% — –
Better return on capitalReturn on invested capital — — –
Less leveragedLower net debt / EBITDA — — –
Higher dividend yieldTrailing dividend yield — 0.00% –
Better 1-year returnPrice return, last 12 months +25.1% +56.5% GCBC
Better 5-year returnAnnualised price return, 5 years — +16.2%/yr –
Less volatileAnnualised volatility, 1 year 17.2% 30.3% NSTS
Higher overall scoreMean of the five percentile scores vs peers 51/100 — –

Percentile Scorecard

NSTSGCBC

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

AxisNSTSGCBC
Valuation 37 #230 of 362 11 #323 of 362
Growth 80 #45 of 221 –
Profitability 4 #193 of 200 –
Financial Health 83 #35 of 203 –
Shareholder Returns – 9 #313 of 342
Overall 51 –
  • NSTS ranked among 370 companies in Banking
  • GCBC ranked among 370 companies in Banking

Price Performance

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

Returns

PeriodNSTSGCBCSPY
1 month +1.5%+3.7% -0.8%
3 months +3.5%+7.0% +3.5%
6 months +21.3%+47.8% +7.0%
Year to date +10.1%+60.8% +12.2%
1 year +25.1%+56.5% +13.0%
3 years +61.3%+59.4% +86.3%
3 years, per year +17.3%+16.8% +23.1%
5 years —+111.7% +68.6%
5 years, per year —+16.2% +11.0%
10 years —+319.4% +258.0%
10 years, per year —+15.4% +13.6%

Risk

MeasureNSTSGCBCSPY
Volatility, 1Y 17.2%30.3% 12.7%
Downside volatility, 1Y 14.0%28.5% 12.7%
Beta vs S&P 500, 1Y 0.210.25 1.00
Return / volatility, 1Y 1.461.87 1.02
Max drawdown, 5Y -34.0%-53.2% -25.4%
From 52-week high 0.0%-0.7% -1.8%
52-week high $14.26$36.01 $779.14
52-week low $10.83$21.61 $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.

MultipleNSTSGCBC
P/E now vs peer median -286.3xmedian 12.1x 13.6xmedian 12.1x
P/S now vs peer median 6.9xmedian 3.4x 6.2xmedian 3.4x
EV/EBITDA now vs peer median —median 5.0x —median 5.0x
P/FCF now vs peer median —median 11.0x 13.8xmedian 11.0x
P/B now vs peer median 0.9xmedian 1.2x 2.1xmedian 1.2x
PEG now vs peer median —median 1.36 0.82median 1.36

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 monthsNSTSGCBC
Revenue $10.81M –
Net income -$262.00K –
EPS (diluted) $-0.05 $2.62
Cash & equivalents $47.52M –
Shares (diluted) 4.91M 17.03M
Enterprise value -$88.28M $610.28M

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
MetricNSTSGCBC
P/E -286.3x 13.6x
P/FCF – 13.8x
P/Operating cash flow – –
P/S 6.9x 6.2x
P/B 0.9x 2.1x
P/Tangible book 0.9x 2.1x
EV/EBITDA – –
EV/EBIT 8.8x –
EV/Revenue 2.5x –
EV/FCF – –
EV/Operating cash flow – –
PEG (3Y EPS CAGR) – 0.82

Growth

14 metrics
MetricNSTSGCBC
Revenue growth (1Y) 14.9% –
Revenue CAGR (3Y) 15.4% –
Gross profit growth (1Y) – –
Gross profit CAGR (3Y) – –
Operating income growth (1Y) – –
Operating income CAGR (3Y) – –
Net income growth (1Y) 67.4% –
Net income CAGR (3Y) -48.9% –
EPS growth (1Y) 67.4% 32.3%
EPS CAGR (3Y) – 16.5%
Operating cash flow growth (1Y) – –
Operating cash flow CAGR (3Y) – –
Free cash flow growth (1Y) – –
Free cash flow CAGR (3Y) – –

Profitability

14 metrics
MetricNSTSGCBC
Gross margin – –
EBITDA margin – –
Operating margin – –
Pretax margin -2.4% –
Net margin -2.4% –
FCF margin – –
Operating cash flow margin – –
Return on equity -0.3% –
Return on assets -0.1% –
Return on invested capital – –
Return on capital employed – –
Asset turnover 0.0x –
Cash conversion (OCF / net income) – –
Stock comp / revenue 8.7% –

Financial Health

11 metrics
MetricNSTSGCBC
Debt / assets – –
Debt / equity – –
Net debt / EBITDA – –
Debt / FCF – –
Liabilities / assets 70.3% 91.2%
Equity / assets 29.7% 8.8%
Interest coverage 0.9x –
Current ratio – –
Quick ratio – –
Cash ratio – –
Altman Z-score – –

Shareholder Returns

7 metrics
MetricNSTSGCBC
Dividend yield – 1.1%
Net buyback yield – –
Shareholder yield – 1.1%
Payout ratio (earnings) – –
Payout ratio (FCF) – –
Dividend growth (1Y) – –
Dividend CAGR (3Y) – –

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.

ConsensusNSTSGCBC

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersNSTSGCBC
Held by institutions – 14.9%
Institutions holding – 81
Change in shares held, QoQ – +9.8%
Institutions buying – 49
Institutions selling – 18
Buyers to sellers – 2.72

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.

NSTSGCBC
NSTS 1.00 0.08
GCBC 0.08 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, NSTS and GCBC?

Greene County Bancorp (GCBC) is the largest by market capitalisation: NSTS Bancorp (NSTS) $74.91M, Greene County Bancorp (GCBC) $610.28M.

Which stock has performed better?

Over the past year Greene County Bancorp (GCBC) returned the most: NSTS Bancorp (NSTS) +25.1%, Greene County Bancorp (GCBC) +56.5%. Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, NSTS Bancorp (NSTS) has been the steadiest (NSTS Bancorp (NSTS) 17.2%, Greene County Bancorp (GCBC) 30.3%). Volatility measures how widely the price swings, not the risk of the business.

Do NSTS and GCBC move together?

Their daily returns over the past year have a correlation of 0.08, a weak relationship. Holding both diversifies more than two closely linked stocks would.

Which is the better stock, NSTS and GCBC?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Greene County Bancorp (GCBC) leads on 2. 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.