TRUSTCO BANK CORP NY(NASDAQ:TRST) stock Fundamental Analysis

Fundamental Rating

TRST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. While TRST seems to be doing ok healthwise, there are quite some concerns on its profitability. TRST has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally TRST also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year TRST was profitable.

In the past year TRST had a positive cash flow from operations.

TRST had positive earnings in each of the past 5 years.

In the past 5 years TRST always reported a positive cash flow from operatings.

1.2 Ratios

TRST has a Return On Assets (0.78%) which is in line with its industry peers.

Looking at the Return On Equity, with a value of 7.22%, TRST is in line with its industry, outperforming 40.70% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.22%
ROIC	N/A

ROA(3y)1%

ROA(5y)0.97%

ROE(3y)9.61%

ROE(5y)9.66%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of TRST (28.43%) is better than 78.14% of its industry peers.

TRST's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for TRST so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.43%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.24%

PM growth 5Y-3.02%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

TRST does not have a ROIC to compare to the WACC, probably because it is not profitable.

TRST has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for TRST has been reduced compared to 5 years ago.

TRST has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of TRST is 1.55, which is an excellent value as it means it would take TRST, only 1.55 years of fcf income to pay off all of its debts.

TRST has a Debt to FCF ratio of 1.55. This is in the better half of the industry: TRST outperforms 62.56% of its industry peers.

A Debt/Equity ratio of 0.13 indicates that TRST is not too dependend on debt financing.

TRST has a better Debt to Equity ratio (0.13) than 68.09% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.55
Altman-Z	N/A

ROIC/WACCN/A

WACC18.43%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for TRST have decreased by -3.94% in the last year.

The Earnings Per Share has been decreasing by -2.85% on average over the past years.

The Revenue has decreased by -9.67% in the past year.

The Revenue has been decreasing by -0.30% on average over the past years.

EPS 1Y (TTM)-3.94%

EPS 3Y-7%

EPS 5Y-2.85%

EPS Q2Q%17.19%

Revenue 1Y (TTM)-9.67%

Revenue growth 3Y-1.24%

Revenue growth 5Y-0.3%

Sales Q2Q%9.49%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y15.89%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.69%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.13, the valuation of TRST can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of TRST is on the same level as its industry peers.

TRST's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.33.

A Price/Forward Earnings ratio of 10.02 indicates a reasonable valuation of TRST.

TRST's Price/Forward Earnings ratio is in line with the industry average.

TRST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.37.

		Industry Rank	Sector Rank
PE	11.13
Fwd PE	10.02

4.2 Price Multiples

TRST's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	10.4
EV/EBITDA	N/A

4.3 Compensation for Growth

TRST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.7

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TRST has a Yearly Dividend Yield of 5.05%, which is a nice return.

TRST's Dividend Yield is rather good when compared to the industry average which is at 3.66. TRST pays more dividend than 83.67% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.51, TRST pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.05%

5.2 History

The dividend of TRST has a limited annual growth rate of 1.66%.

TRST has been paying a dividend for at least 10 years, so it has a reliable track record.

TRST has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)1.66%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

TRST pays out 56.13% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of TRST is growing, but earnings are growing more, so the dividend growth is sustainable.

DP56.13%

EPS Next 2YN/A

EPS Next 3YN/A

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TRUSTCO BANK CORP NY

NASDAQ:TRST (4/22/2025, 8:00:01 PM)

After market: 29.84 0 (0%)

29.84

+1.41 (+4.96%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-21 2025-07-21/amc

Inst Owners77.57%

Inst Owner Change0.36%

Ins Owners2.91%

Ins Owner Change0.57%

Market Cap567.56M

Analysts40

Price TargetN/A

Short Float %1.17%

Short Ratio2.53

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.05%

Yearly Dividend1.44

Dividend Growth(5Y)1.66%

DP56.13%

Div Incr Years3

Div Non Decr Years3

Ex-Date03-07 2025-03-07 (0.36)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.67%

Min EPS beat(2)-9.62%

Max EPS beat(2)16.96%

EPS beat(4)3

Avg EPS beat(4)8.5%

Min EPS beat(4)-9.62%

Max EPS beat(4)22.09%

EPS beat(8)3

Avg EPS beat(8)-0.11%

EPS beat(12)7

Avg EPS beat(12)5.48%

EPS beat(16)11

Avg EPS beat(16)6.56%

Revenue beat(2)1

Avg Revenue beat(2)-1.08%

Min Revenue beat(2)-3.24%

Max Revenue beat(2)1.08%

Revenue beat(4)2

Avg Revenue beat(4)-1.01%

Min Revenue beat(4)-5.85%

Max Revenue beat(4)3.95%

Revenue beat(8)2

Avg Revenue beat(8)-3.8%

Revenue beat(12)5

Avg Revenue beat(12)-1.71%

Revenue beat(16)6

Avg Revenue beat(16)-1.44%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	11.13
Fwd PE	10.02
P/S	3.3
P/FCF	10.4
P/OCF	9.55
P/B	0.84
P/tB	0.84
EV/EBITDA	N/A

EPS(TTM)2.68

EY8.98%

EPS(NY)2.98

Fwd EY9.98%

FCF(TTM)2.87

FCFY9.61%

OCF(TTM)3.13

OCFY10.47%

SpS9.03

BVpS35.56

TBVpS35.56

PEG (NY)0.7

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.22%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.43%
GM	N/A
FCFM	31.76%

ROA(3y)1%

ROA(5y)0.97%

ROE(3y)9.61%

ROE(5y)9.66%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.24%

PM growth 5Y-3.02%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.55
Debt/EBITDA	N/A
Cap/Depr	42.71%
Cap/Sales	2.84%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	111.72%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC18.43%

ROIC/WACCN/A

Cap/Depr(3y)62.64%

Cap/Depr(5y)69.92%

Cap/Sales(3y)2.58%

Cap/Sales(5y)2.3%

Profit Quality(3y)103.63%

Profit Quality(5y)101.53%

High Growth Momentum

Growth

EPS 1Y (TTM)-3.94%

EPS 3Y-7%

EPS 5Y-2.85%

EPS Q2Q%17.19%

EPS Next Y15.89%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-9.67%

Revenue growth 3Y-1.24%

Revenue growth 5Y-0.3%

Sales Q2Q%9.49%

Revenue Next Year11.69%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-6.68%

FCF growth 3Y1.23%

FCF growth 5Y-1.85%

OCF growth 1Y-7.31%

OCF growth 3Y2.38%

OCF growth 5Y-1.41%

TRUSTCO BANK CORP NY (TRST) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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