TRST vs NECB vs CFFN Stock Comparison

Trustco Bank Corp N Y, NorthEast Community Bancorp and Capitol Federal Financial Prices as of Nov 2, 2026 Peers: Industry group
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TRST Trustco Bank Corp N Y
$57.81 +3.8% 1M +53.3% 1Y
Market cap
$984.37M
P/E
15.4x
Revenue (TTM)
$197.02M
Div. yield
2.66%
Thrifts and Savings Banks Financial Services
3 wins

Head to Head

12 decided of 12

NorthEast Community Bancorp leads on 5 of the 12 questions below (NorthEast Community Bancorp 5, Capitol Federal Financial 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.

QuestionTRSTNECBCFFNLeader
Larger companyMarket capitalisation $984.37M $404.62M $1.08B CFFN
Cheaper on earningsLower P/E, profitable companies only 15.4x 9.6x 12.9x NECB
Cheaper on forward earningsLower price / next fiscal year consensus EPS 12.2x 10.0x 10.6x NECB
Faster revenue growthRevenue growth, trailing twelve months +10.2% -0.9% +19.4% CFFN
More profitableNet margin, trailing twelve months 33.0% 40.9% 36.1% NECB
Better return on capitalReturn on invested capital 17.0% 16.7% 9.5% TRST
Less leveragedLower net debt / EBITDA -3.3x 0.8x 4.7x TRST
Higher dividend yieldTrailing dividend yield 2.66% 3.06% 4.53% CFFN
Better 1-year returnPrice return, last 12 months +53.3% +49.6% +42.5% TRST
Better 5-year returnAnnualised price return, 5 years +10.9%/yr +21.4%/yr -7.1%/yr NECB
Less volatileAnnualised volatility, 1 year 23.1% 23.0% 22.6% CFFN
Higher overall scoreMean of the five percentile scores vs peers 50/100 66/100 48/100 NECB

Percentile Scorecard

TRSTNECBCFFN

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

AxisTRSTNECBCFFN
Valuation 56 #158 of 359 75 #89 of 359 18 #296 of 359
Growth 17 #281 of 340 19 #276 of 340 83 #60 of 340
Profitability 64 #125 of 343 93 #24 of 343 36 #219 of 343
Financial Health 74 #88 of 338 61 #132 of 338 7 #316 of 338
Shareholder Returns 39 #216 of 351 83 #62 of 351 98 #8 of 351
Overall 50 66 48
  • TRST ranked among 368 companies in Banking
  • NECB ranked among 368 companies in Banking
  • CFFN ranked among 368 companies in Banking

Price Performance

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

Returns

PeriodTRSTNECBCFFNSPY
1 month +3.8%+10.2%+0.3% -2.3%
3 months +1.0%+9.4%-5.4% -0.7%
6 months +21.6%+23.8%+12.1% +4.8%
Year to date +39.9%+29.9%+26.4% +10.3%
1 year +53.3%+49.6%+42.5% +10.3%
3 years +108.4%+84.1%+55.7% +73.0%
3 years, per year +27.8%+22.6%+15.9% +20.1%
5 years +67.4%+163.5%-30.8% +61.9%
5 years, per year +10.9%+21.4%-7.1% +10.1%
10 years +70.0%+454.4%-39.9% +258.6%
10 years, per year +5.5%+18.7%-5.0% +13.6%

Risk

MeasureTRSTNECBCFFNSPY
Volatility, 1Y 23.1%23.0%22.6% 12.8%
Downside volatility, 1Y 24.7%20.8%22.4% 12.8%
Beta vs S&P 500, 1Y 0.310.300.56 1.00
Return / volatility, 1Y 2.302.161.89 0.80
Max drawdown, 5Y -37.1%-37.3%-66.7% -25.4%
From 52-week high -1.4%0.0%-6.3% -3.5%
52-week high $58.62$29.38$9.19 $779.14
52-week low $38.33$19.51$6.09 $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.

MultipleTRSTNECBCFFN
P/E now vs peer median 15.4xmedian 12.7x 9.6xmedian 12.7x 12.9xmedian 12.7x
P/S now vs peer median 5.0xmedian 3.5x 3.9xmedian 3.5x 4.7xmedian 3.5x
EV/EBITDA now vs peer median 2.2xmedian 4.9x 4.5xmedian 4.9x 8.0xmedian 4.9x
P/FCF now vs peer median 16.5xmedian 11.4x 8.4xmedian 11.4x 15.1xmedian 11.4x
P/B now vs peer median 1.5xmedian 1.2x 1.1xmedian 1.2x 1.1xmedian 1.2x
PEG now vs peer median -10.61median 1.46 1.45median 1.46 0.85median 1.46

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 monthsTRSTNECBCFFN
Revenue $197.02M $103.62M $229.25M
Net income $65.07M $42.42M $82.84M
Free cash flow $59.75M $48.41M $71.53M
EPS (diluted) $3.74 $3.13 $0.67
Cash & equivalents $696.64M $73.41M $136.10M
Total debt $108.38M $190.00M $1.64B
Shares (diluted) 17.39M 13.54M 124.01M
Enterprise value -$1.91B $2.62M $131.53M

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
MetricTRSTNECBCFFN
P/E 15.4x 9.6x 12.9x
P/FCF 16.5x 8.4x 15.1x
P/Operating cash flow 14.2x 8.2x 13.9x
P/S 5.0x 3.9x 4.7x
P/B 1.5x 1.1x 1.1x
P/Tangible book 1.5x 1.1x 1.1x
EV/EBITDA 2.2x 4.5x 8.0x
EV/EBIT 2.3x 4.5x 8.2x
EV/Revenue 2.0x 4.8x 11.3x
EV/FCF 6.6x 10.2x 36.1x
EV/Operating cash flow 5.7x 10.0x 33.2x
PEG (3Y EPS CAGR) -10.61 1.45 0.85

Growth

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

Profitability

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

Financial Health

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

Shareholder Returns

7 metrics
MetricTRSTNECBCFFN
Dividend yield 2.7% 3.1% 4.5%
Net buyback yield 8.3% 1.7% 4.6%
Shareholder yield 10.9% 4.7% 9.1%
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.

ConsensusTRSTNECBCFFN
Forward P/E 12.2xFY2027 10.0xFY2026 10.6xFY2027
EPS, next fiscal year $4.73FY2027 $2.94FY2026 $0.81FY2027
EPS growth, next FY +45.1%FY2027 -9.5%FY2026 +16.3%FY2027
EPS growth, the year after – +42.5% -2.5%
Revenue, next fiscal year $211.96MFY2027 $113.45MFY2026 $249.46MFY2026
Revenue growth, next FY +4.7%FY2027 +8.2%FY2026 +24.1%FY2026
Revenue growth, the year after – +5.4% -3.6%
TRST estimates →NECB estimates →CFFN estimates →

Institutional Ownership

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

TRSTNECBCFFN
TRST 1.00 0.59 0.72
NECB 0.59 1.00 0.62
CFFN 0.72 0.62 1.00

Add a Peer

Largest companies in the same industry
TRST · Thrifts and Savings Banks
+TFSLTFS Financial +GCBCGreene County Bancorp +KRNYKearny Financial +WNEBWestern New England Bancorp +FBLAFB Bancorp +HYNEHoyne Bancorp +PROVProvident Financial Holdings +BYFCBroadway Financial
Plot all 25 Thrifts and Savings Banks stocks →

Related Comparisons

TRST vs TFSLTFS Financial TRST vs GCBCGreene County Bancorp TRST vs KRNYKearny Financial TRST vs WNEBWestern New England Bancorp

Frequently Asked Questions

Which is bigger, TRST, NECB and CFFN?

Capitol Federal Financial (CFFN) is the largest by market capitalisation: Trustco Bank Corp N Y (TRST) $984.37M, NorthEast Community Bancorp (NECB) $404.62M, Capitol Federal Financial (CFFN) $1.08B.

Which stock is cheaper, TRST, NECB and CFFN?

NorthEast Community Bancorp (NECB) trades on the lowest price-to-earnings ratio (Trustco Bank Corp N Y (TRST) 15.4x, NorthEast Community Bancorp (NECB) 9.6x, Capitol Federal Financial (CFFN) 12.9x). On next year's consensus earnings, NorthEast Community Bancorp (NECB) is cheapest (Trustco Bank Corp N Y (TRST) 12.2x, NorthEast Community Bancorp (NECB) 10.0x, Capitol Federal Financial (CFFN) 10.6x). 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: Trustco Bank Corp N Y (TRST) +10.2%, NorthEast Community Bancorp (NECB) -0.9%, Capitol Federal Financial (CFFN) +19.4%.

Which company is more profitable?

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

Which stock has performed better?

Over the past year Trustco Bank Corp N Y (TRST) returned the most: Trustco Bank Corp N Y (TRST) +53.3%, NorthEast Community Bancorp (NECB) +49.6%, Capitol Federal Financial (CFFN) +42.5%. Over five years, NorthEast Community Bancorp (NECB) compounded fastest (Trustco Bank Corp N Y (TRST) +10.9%/yr, NorthEast Community Bancorp (NECB) +21.4%/yr, Capitol Federal Financial (CFFN) -7.1%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Capitol Federal Financial (CFFN) has the highest dividend yield: Trustco Bank Corp N Y (TRST) 2.66%, NorthEast Community Bancorp (NECB) 3.06%, Capitol Federal Financial (CFFN) 4.53%.

Which stock is riskier?

By one-year price volatility, Capitol Federal Financial (CFFN) has been the steadiest (Trustco Bank Corp N Y (TRST) 23.1%, NorthEast Community Bancorp (NECB) 23.0%, Capitol Federal Financial (CFFN) 22.6%). Volatility measures how widely the price swings, not the risk of the business.

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

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.