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 405 industry peers in the Banks industry. TRST may be in some trouble as it scores bad on both profitability and health. 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.

Quickly go to:

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.

Of the past 5 years TRST 4 years were profitable.

Of the past 5 years TRST 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.78%, TRST is in line with its industry, outperforming 48.74% of the companies in the same industry.

Looking at the Return On Equity, with a value of 7.08%, TRST is in line with its industry, outperforming 41.71% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.08%
ROIC	N/A

ROA(3y)1.07%

ROA(5y)1.04%

ROE(3y)10.62%

ROE(5y)10.37%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 27.63%, TRST is in the better half of the industry, outperforming 75.88% of the companies in the same industry.

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)	27.63%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.11%

PM growth 5Y-2.13%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

TRST has a debt to FCF ratio of 1.60. This is a very positive value and a sign of high solvency as it would only need 1.60 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.60, TRST is in the better half of the industry, outperforming 65.08% of the companies in the same industry.

TRST has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.14, TRST is doing good in the industry, outperforming 65.83% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.6
Altman-Z	N/A

ROIC/WACCN/A

WACC13.26%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

TRST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.56%.

Measured over the past years, TRST shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.85% on average per year.

EPS 1Y (TTM)-16.56%

EPS 3Y-7%

EPS 5Y-2.85%

EPS Q2Q%13.46%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%10.58%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.42 indicates a correct valuation of TRST.

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

TRST is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 10.72, the valuation of TRST can be described as very reasonable.

Based on the Price/Forward Earnings ratio, TRST is valued a bit cheaper than 65.33% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 24.44. TRST is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.42
Fwd PE	10.72

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TRST is valued a bit cheaper than 64.82% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.58
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)0.78

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

TRST has a Yearly Dividend Yield of 4.47%, which is a nice return.

Compared to an average industry Dividend Yield of 3.22, TRST pays a better dividend. On top of this TRST pays more dividend than 84.42% of the companies listed in the same industry.

TRST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	4.47%

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 57.88% of its income as dividend. This is a bit on the high side, but may be sustainable.

TRST's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP57.88%

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

TRUSTCO BANK CORP NY

NASDAQ:TRST (1/22/2025, 10:32:22 AM)

31.915

-0.59 (-1.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/amc

Earnings (Next)N/A N/A

Inst Owners73.82%

Inst Owner Change-0.06%

Ins Owners2.88%

Ins Owner Change0.49%

Market Cap606.70M

Analysts40

Price Target26.52 (-16.9%)

Short Float %1.08%

Short Ratio2.04

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.47%

Yearly Dividend1.44

Dividend Growth(5Y)1.66%

DP57.88%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)19.52%

Min EPS beat(2)16.96%

Max EPS beat(2)22.09%

EPS beat(4)3

Avg EPS beat(4)5.22%

Min EPS beat(4)-22.76%

Max EPS beat(4)22.09%

EPS beat(8)4

Avg EPS beat(8)2.21%

EPS beat(12)8

Avg EPS beat(12)7.28%

EPS beat(16)12

Avg EPS beat(16)7.17%

Revenue beat(2)2

Avg Revenue beat(2)2.51%

Min Revenue beat(2)1.08%

Max Revenue beat(2)3.95%

Revenue beat(4)2

Avg Revenue beat(4)-3.83%

Min Revenue beat(4)-14.48%

Max Revenue beat(4)3.95%

Revenue beat(8)3

Avg Revenue beat(8)-3.26%

Revenue beat(12)5

Avg Revenue beat(12)-1.47%

Revenue beat(16)6

Avg Revenue beat(16)-1.46%

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	12.42
Fwd PE	10.72
P/S	3.54
P/FCF	10.58
P/OCF	9.64
P/B	0.91
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)2.57

EY8.05%

EPS(NY)2.98

Fwd EY9.33%

FCF(TTM)3.02

FCFY9.45%

OCF(TTM)3.31

OCFY10.37%

SpS9.02

BVpS35.19

TBVpS35.19

PEG (NY)0.78

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.08%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.63%
GM	N/A
FCFM	33.42%

ROA(3y)1.07%

ROA(5y)1.04%

ROE(3y)10.62%

ROE(5y)10.37%

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 3Y0.11%

PM growth 5Y-2.13%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.6
Debt/EBITDA	N/A
Cap/Depr	133.6%
Cap/Sales	3.27%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	120.94%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC13.26%

ROIC/WACCN/A

Cap/Depr(3y)99.02%

Cap/Depr(5y)97.91%

Cap/Sales(3y)2.15%

Cap/Sales(5y)2.18%

Profit Quality(3y)94.89%

Profit Quality(5y)99.91%

High Growth Momentum

Growth

EPS 1Y (TTM)-16.56%

EPS 3Y-7%

EPS 5Y-2.85%

EPS Q2Q%13.46%

EPS Next Y15.89%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%10.58%

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-10.57%

FCF growth 3Y0.04%

FCF growth 5Y-1.79%

OCF growth 1Y-6.21%

OCF growth 3Y1.02%

OCF growth 5Y-1.05%

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

More info and screens