Trustco Bank Corp NY (TRST)

Price$46.61

Favorite Metrics

Price vs S&P 500 (26W)24.37%

Price vs S&P 500 (4W)-0.22%

Market Capitalization$817.75M

P/E Ratio (Annual)13.38x

Indicated Dividend Yield (Annual)3.26%

All Metrics

P/CF (Annual)14.20x

Book Value / Share (Quarterly)$38.08

P/TBV (Annual)0.87x

Indicated Dividend (Annual)$1.52

Revenue Growth (3Y)-0.97%

Cash Flow / Share (Quarterly)$2.54

Payout Ratio (TTM)45.18%

Price vs S&P 500 (YTD)8.85%

Net Profit Margin (TTM)34.67%

EPS (TTM)$3.26

10-Day Avg Trading Volume0.09M

EPS Excl Extra (TTM)$3.26

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)13.38x

Revenue Growth QoQ (YoY)17.35%

EPS Growth (5Y)3.65%

P/E Normalized (Annual)13.38x

ROA (Last FY)0.95%

Revenue Growth TTM (YoY)24.60%

EBITD / Share (TTM)$4.56

ROE (5Y Avg)9.59%

Operating Margin (TTM)45.87%

Cash Flow / Share (Annual)$2.54

P/B Ratio1.19x

P/B Ratio (Quarterly)1.11x

Net Income / Employee (Annual)$0

ROA (TTM)0.96%

EPS Growth QoQ (YoY)43.46%

EV / EBITDA (TTM)10.95x

EPS Incl Extra (Annual)$3.25

3-Month Avg Trading Volume0.12M

52-Week Price Return63.43%

EV / Free Cash Flow (Annual)20.50x

P/E Incl Extra (TTM)13.38x

Tangible BV / Share (Quarterly)$32.80

P/S Ratio (Annual)2.62x

52-Week High$48.45

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 Return31.26%

13-Week Price Return6.27%

Total Debt / Equity (Annual)0.17x

Enterprise Value$937.801

Revenue / Share Growth (5Y)3.03%

Book Value / Share Growth (5Y)5.28%

Revenue / Employee (Annual)$239,946

Pretax Margin (Annual)49.86%

Cash / Share (Annual)$2.28

3-Month Return Std Dev26.18%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)3.13%

EBITDA Interim CAGR (5Y)3.48%

ROE (Last FY)8.90%

EPS Basic Excl Extra (Annual)$3.25

P/FCF (TTM)16.69x

EV / Free Cash Flow (TTM)20.50x

Total Debt / Equity (Quarterly)0.17x

EPS Incl Extra (TTM)$3.26

ROI (TTM)7.78%

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)28.80%

P/E Ratio (TTM)13.38x

EPS Growth TTM (YoY)26.92%

Year-to-Date Return12.78%

5-Day Price Return-0.13%

EPS Normalized (Annual)$3.25

ROA (5Y Avg)0.98%

Net Profit Margin (Annual)37.73%

Month-to-Date Return6.46%

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)14.20x

ROI (5Y Avg)7.93%

P/E Excl Extra (TTM)13.38x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$3.26

P/TBV (Quarterly)0.84x

Payout Ratio (Annual)45.18%

P/B Ratio (Annual)1.11x

Dividend / Share (TTM)$1.49

Pretax Margin (TTM)45.87%

Book Value / Share (Annual)$38.08

Price vs S&P 500 (13W)3.89%

Net Margin Growth (5Y)6.22%

Dividend Yield (TTM)3.38%

Beta0.62x

P/FCF (Annual)17.88x

Revenue / Share (TTM)$10.56

ROE (TTM)8.86%

52-Week Low$28.09

Analyst Recommendations

Jul 2024

Aug 2024

Sep 2024

Oct 2024

2.00

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
TRSTTrustco Bank Corp NY	1.11x	8.86%	0.96%	—	$46.61
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.28
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$76.78
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$135.37
FITBFifth Third Bancorp	1.23x	8.86%	0.93%	—	$50.98
FITBIFifth Third Bancorp Depositary Shares	1.23x	8.86%	0.93%	—	$25.31
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	1.23x	8.86%	0.93%	—	$25.88
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.23x	8.86%	0.93%	—	$19.50
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.23x	8.86%	0.93%	—	$24.18
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.19
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.73

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.