Trustco Bank Corp NY (TRST)

Price$52.53

Value ScoreD

Growth ScoreD

Momentum ScoreA

Favorite Metrics

Price vs S&P 500 (26W)16.76%

Price vs S&P 500 (4W)7.08%

VGM Score50.66

Market Capitalization$917.95M

P/E Ratio (Annual)15.01x

Indicated Dividend Yield (Annual)2.89%

All Metrics

P/CF (Annual)15.94x

Book Value / Share (Quarterly)$38.32

P/TBV (Annual)0.87x

Indicated Dividend (Annual)$1.52

Revenue Growth (3Y)-0.97%

Cash Flow / Share (Quarterly)$3.38

Payout Ratio (TTM)43.60%

Price vs S&P 500 (YTD)18.94%

Net Profit Margin (TTM)34.67%

EPS (TTM)$3.42

10-Day Avg Trading Volume0.12M

EPS Excl Extra (TTM)$3.42

Revenue Growth (5Y)2.01%

EPS (Annual)$3.25

Dividend / Share (Annual)$1.49

ROI (Annual)7.58%

Net Profit Margin (5Y Avg)34.21%

Cash / Share (Quarterly)$2.41

P/E Basic Excl Extra (TTM)14.54x

Revenue Growth QoQ (YoY)17.35%

EPS Growth (5Y)3.65%

P/E Normalized (Annual)15.01x

ROA (Last FY)0.95%

Revenue Growth TTM (YoY)24.60%

EBITD / Share (TTM)$5.11

ROE (5Y Avg)9.59%

Operating Margin (TTM)45.87%

Cash Flow / Share (Annual)$2.54

P/B Ratio1.37x

P/B Ratio (Quarterly)1.14x

Net Income / Employee (Annual)$74,600

ROA (TTM)0.98%

EPS Growth QoQ (YoY)21.53%

EV / EBITDA (TTM)11.18x

EPS Incl Extra (Annual)$3.25

3-Month Avg Trading Volume0.12M

52-Week Price Return68.20%

EV / Free Cash Flow (Annual)22.54x

P/E Incl Extra (TTM)14.54x

Tangible BV / Share (Quarterly)$32.80

P/S Ratio (Annual)2.62x

52-Week High$52.98

Operating Margin (5Y Avg)45.16%

EPS Excl Extra (Annual)$3.25

CapEx CAGR (5Y)25.57%

Tangible BV CAGR (5Y)5.54%

26-Week Price Return24.69%

13-Week Price Return19.22%

Total Debt / Equity (Annual)0.17x

Enterprise Value$1.03B

Revenue / Share Growth (5Y)3.03%

Book Value / Share Growth (5Y)5.28%

Revenue / Employee (Annual)$239,945,800,000

Pretax Margin (Annual)49.86%

Cash / Share (Annual)$2.28

3-Month Return Std Dev21.68%

Net Income / Employee (TTM)$77,100

EBITDA CAGR (5Y)4.93%

EBITDA Interim CAGR (5Y)2.86%

ROE (Last FY)8.90%

EPS Basic Excl Extra (Annual)$3.25

P/FCF (TTM)15.51x

EV / Free Cash Flow (TTM)17.42x

Total Debt / Equity (Quarterly)0.17x

EPS Incl Extra (TTM)$3.42

ROI (TTM)8.00%

Dividend Growth Rate (5Y)1.87%

P/S Ratio (TTM)2.60x

Pretax Margin (5Y Avg)45.16%

Revenue / Share (Annual)$10.42

Tangible BV / Share (Annual)$31.54

Free OCF CAGR (5Y)-4.77%

Price vs S&P 500 (52W)43.84%

P/E Ratio (TTM)14.54x

EPS Growth TTM (YoY)27.61%

Year-to-Date Return27.10%

5-Day Price Return3.06%

EPS Normalized (Annual)$3.25

ROA (5Y Avg)0.98%

Net Profit Margin (Annual)37.73%

Month-to-Date Return1.39%

Cash Flow / Share (TTM)$3.88

EBITD / Share (Annual)$4.56

EPS Growth (3Y)-6.16%

Operating Margin (Annual)49.86%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)13.47x

ROI (5Y Avg)7.93%

P/E Excl Extra (TTM)14.54x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$3.42

P/TBV (Quarterly)0.84x

Payout Ratio (Annual)45.18%

P/B Ratio (Annual)1.11x

Dividend / Share (TTM)$1.51

Pretax Margin (TTM)45.87%

Book Value / Share (Annual)$38.08

Price vs S&P 500 (13W)10.97%

Net Margin Growth (5Y)6.22%

Dividend Yield (TTM)3.00%

Beta0.66x

P/FCF (Annual)20.07x

Revenue / Share (TTM)$10.56

ROE (TTM)9.21%

52-Week Low$30.52

vGradeD

gGradeD

mGradeA

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.91est. —

Analyst Recommendations

Jul 2024

Aug 2024

Sep 2024

Oct 2024

2.00

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
TRSTTrustco Bank Corp NY	D	D	A	$52.53
BNSBank of Nova Scotia	C	C	B	$80.56
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.54
DBDeutsche Bank Aktiengesellschaft	B	B	F	$31.51
FITBFifth Third Bancorp	D	C	B	$52.01
FITBIFifth Third Bancorp Depositary Shares	D	C	B	$25.73
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	B	$26.02
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	B	$18.36
STTState Street Corporation	C	C	A	$161.75
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	F	$3.36

About

TrustCo Bank Corp N Y is a savings and loan holding company engaged in community banking across the Northeast and Florida. The company accepts deposits and provides personal and business banking services, including savings accounts, retirement accounts, mortgages, and auto loans. TrustCo operates branch locations in New York, Florida, Massachusetts, New Jersey, and Vermont.