TRST Fundamental Analysis - TRUSTCO BANK CORP NY

Fundamental Rating

TRST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and financial health of TRST have multiple concerns. TRST has a expensive valuation and it also scores bad on growth. TRST also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year TRST was profitable.

TRST had a positive operating cash flow in the past year.

Each year in the past 5 years TRST has been profitable.

Each year in the past 5 years TRST had a positive operating cash flow.

1.2 Ratios

TRST has a Return On Assets (0.80%) which is in line with its industry peers.

With a Return On Equity value of 7.41%, TRST perfoms like the industry average, outperforming 43.04% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.8%
ROE	7.41%
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

Looking at the Profit Margin, with a value of 29.02%, TRST is in the better half of the industry, outperforming 79.49% of the companies in the same industry.

In the last couple of years the Profit Margin of TRST has declined.

TRST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.02%
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.

Compared to 1 year ago, TRST has about the same amount of shares outstanding.

TRST has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

TRST has a debt to FCF ratio of 1.96. This is a very positive value and a sign of high solvency as it would only need 1.96 years to pay back of all of its debts.

TRST has a Debt to FCF ratio of 1.96. This is comparable to the rest of the industry: TRST outperforms 48.86% of its industry peers.

A Debt/Equity ratio of 0.12 indicates that TRST is not too dependend on debt financing.

TRST has a better Debt to Equity ratio (0.12) than 64.81% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.96
Altman-Z	N/A

ROIC/WACCN/A

WACC17.45%

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.

TRST shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.85% yearly.

The Revenue has decreased by -2.36% in the past year.

Measured over the past years, TRST shows a decrease in Revenue. The Revenue has been decreasing by -0.30% on average per year.

EPS 1Y (TTM)-3.94%

EPS 3Y-7%

EPS 5Y-2.85%

EPS Q2Q%17.19%

Revenue 1Y (TTM)-2.36%

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

A Price/Earnings ratio of 13.10 indicates a correct valuation of TRST.

TRST's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 27.28. TRST is valued rather cheaply when compared to this.

TRST is valuated reasonably with a Price/Forward Earnings ratio of 11.78.

Based on the Price/Forward Earnings ratio, TRST is valued a bit more expensive than 64.56% of the companies in the same industry.

TRST is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.1
Fwd PE	11.78

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TRST is valued a bit more expensive than the industry average as 61.77% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	15.93
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)0.82

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.35%, TRST is a good candidate for dividend investing.

TRST's Dividend Yield is rather good when compared to the industry average which is at 3.47. TRST pays more dividend than 80.51% of the companies in the same industry.

TRST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.

		Industry Rank	Sector Rank
Dividend Yield	4.35%

5.2 History

The dividend of TRST has a limited annual growth rate of 1.10%.

TRST has paid a dividend for at least 10 years, which is a reliable track record.

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

Dividend Growth(5Y)1.1%

Div Incr Years0

Div Non Decr Years4

5.3 Sustainability

TRST pays out 53.76% 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.

DP53.76%

EPS Next 2YN/A

EPS Next 3YN/A

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TRUSTCO BANK CORP NY

NASDAQ:TRST (7/2/2025, 8:01:24 PM)

After market: 35.1 0 (0%)

35.1

+0.62 (+1.8%)

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 Owners78.09%

Inst Owner Change1.44%

Ins Owners3.01%

Ins Owner Change0.21%

Market Cap667.60M

Analysts40

Price TargetN/A

Short Float %1.95%

Short Ratio4.08

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.35%

Yearly Dividend1.44

Dividend Growth(5Y)1.1%

DP53.76%

Div Incr Years0

Div Non Decr Years4

Ex-Date06-06 2025-06-06 (0.36)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.89%

Min EPS beat(2)-9.62%

Max EPS beat(2)11.41%

EPS beat(4)3

Avg EPS beat(4)10.21%

Min EPS beat(4)-9.62%

Max EPS beat(4)22.09%

EPS beat(8)4

Avg EPS beat(8)2.65%

EPS beat(12)7

Avg EPS beat(12)4.23%

EPS beat(16)11

Avg EPS beat(16)7.14%

Revenue beat(2)0

Avg Revenue beat(2)-2.45%

Min Revenue beat(2)-3.24%

Max Revenue beat(2)-1.66%

Revenue beat(4)2

Avg Revenue beat(4)0.03%

Min Revenue beat(4)-3.24%

Max Revenue beat(4)3.95%

Revenue beat(8)2

Avg Revenue beat(8)-3.37%

Revenue beat(12)5

Avg Revenue beat(12)-1.84%

Revenue beat(16)6

Avg Revenue beat(16)-1.53%

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	13.1
Fwd PE	11.78
P/S	3.8
P/FCF	15.93
P/OCF	13.14
P/B	0.97
P/tB	0.97
EV/EBITDA	N/A

EPS(TTM)2.68

EY7.64%

EPS(NY)2.98

Fwd EY8.49%

FCF(TTM)2.2

FCFY6.28%

OCF(TTM)2.67

OCFY7.61%

SpS9.24

BVpS36.16

TBVpS36.16

PEG (NY)0.82

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.8%
ROE	7.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.02%
GM	N/A
FCFM	23.85%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.96
Debt/EBITDA	N/A
Cap/Depr	77.61%
Cap/Sales	5.08%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	82.18%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC17.45%

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)-2.36%

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-49.28%

FCF growth 3Y1.23%

FCF growth 5Y-1.85%

OCF growth 1Y-41.17%

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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