41.54 USD
+1.45 (+3.62%)
41.54 USD
0 (0%)
TRST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. TRST has a bad profitability rating. Also its financial health evaluation is rather negative. TRST is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
TRST had positive earnings in the past year.
In the past year TRST had a positive cash flow from operations.
In the past 5 years TRST has always been profitable.
In the past 5 years TRST always reported a positive cash flow from operatings.
1.2 Ratios
TRST has a Return On Assets (0.84%) which is comparable to the rest of the industry.
TRST's Return On Equity of 7.72% is in line compared to the rest of the industry. TRST outperforms 42.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 7.72% | ||
| 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
TRST has a better Profit Margin (29.90%) than 79.64% of its industry peers.
TRST's Profit Margin has declined in the last couple of years.
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) | 29.9% | ||
| 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
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.
Compared to 5 years ago, TRST has less shares outstanding
The debt/assets ratio for TRST has been reduced compared to a year ago.
2.2 Solvency
TRST has a debt to FCF ratio of 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.
TRST has a Debt to FCF ratio of 1.67. This is comparable to the rest of the industry: TRST outperforms 53.09% of its industry peers.
TRST has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
TRST's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. TRST outperforms 63.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TRST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.60%, which is quite good.
The Earnings Per Share has been decreasing by -2.85% on average over the past years.
Looking at the last year, TRST shows a small growth in Revenue. The Revenue has grown by 6.72% in the last year.
TRST shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.30% yearly.
EPS 1Y (TTM)19.6%
EPS 3Y-7%
EPS 5Y-2.85%
EPS Q2Q%26.47%
Revenue 1Y (TTM)6.72%
Revenue growth 3Y-1.24%
Revenue growth 5Y-0.3%
Sales Q2Q%9.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
TRST is valuated correctly with a Price/Earnings ratio of 13.89.
Based on the Price/Earnings ratio, TRST is valued a bit more expensive than 63.66% of the companies in the same industry.
When comparing the Price/Earnings ratio of TRST to the average of the S&P500 Index (25.45), we can say TRST is valued slightly cheaper.
The Price/Forward Earnings ratio is 13.95, which indicates a correct valuation of TRST.
TRST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TRST is more expensive than 72.16% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. TRST is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.89 | ||
| Fwd PE | 13.95 |
4.2 Price Multiples
TRST's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TRST is more expensive than 64.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.91 | ||
| 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)0.87
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
TRST has a Yearly Dividend Yield of 3.79%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.35, TRST pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, TRST pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
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 51.25% 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.
DP51.25%
EPS Next 2YN/A
EPS Next 3YN/A
41.54
+1.45 (+3.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.97%
Inst Owner Change-0.89%
Ins Owners2.9%
Ins Owner Change0.14%
Market Cap783.03M
Revenue(TTM)183.06M
Net Income(TTM)53.47M
Analysts40
Price TargetN/A
Short Float %2.28%
Short Ratio4.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
Yearly Dividend1.44
Dividend Growth(5Y)1.1%
DP51.25%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.03%
Min EPS beat(2)10.64%
Max EPS beat(2)11.41%
EPS beat(4)3
Avg EPS beat(4)7.35%
Min EPS beat(4)-9.62%
Max EPS beat(4)16.96%
EPS beat(8)5
Avg EPS beat(8)4.08%
EPS beat(12)7
Avg EPS beat(12)3.58%
EPS beat(16)11
Avg EPS beat(16)7.39%
Revenue beat(2)0
Avg Revenue beat(2)-1.67%
Min Revenue beat(2)-1.69%
Max Revenue beat(2)-1.66%
Revenue beat(4)1
Avg Revenue beat(4)-1.38%
Min Revenue beat(4)-3.24%
Max Revenue beat(4)1.08%
Revenue beat(8)2
Avg Revenue beat(8)-3.11%
Revenue beat(12)4
Avg Revenue beat(12)-2.19%
Revenue beat(16)5
Avg Revenue beat(16)-1.67%
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 | 13.89 | ||
| Fwd PE | 13.95 | ||
| P/S | 4.38 | ||
| P/FCF | 15.91 | ||
| P/OCF | 13.24 | ||
| P/B | 1.13 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.99
EY7.2%
EPS(NY)2.98
Fwd EY7.17%
FCF(TTM)2.61
FCFY6.29%
OCF(TTM)3.14
OCFY7.56%
SpS9.49
BVpS36.75
TBVpS36.75
PEG (NY)0.87
PEG (5Y)N/A
Graham Number49.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 7.72% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.9% | ||
| GM | N/A | ||
| FCFM | 27.52% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.67 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 704.32% | ||
| Cap/Sales | 5.56% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 92.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.79%
ROIC/WACCN/A
Cap/Depr(3y)112.66%
Cap/Depr(5y)99.93%
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)19.6%
EPS 3Y-7%
EPS 5Y-2.85%
EPS Q2Q%26.47%
EPS Next Y15.89%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.72%
Revenue growth 3Y-1.24%
Revenue growth 5Y-0.3%
Sales Q2Q%9.66%
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-35.24%
FCF growth 3Y1.23%
FCF growth 5Y-1.85%
OCF growth 1Y-26.05%
OCF growth 3Y2.38%
OCF growth 5Y-1.41%
TRUSTCO BANK CORP NY / TRST FAQ
Can you provide the ChartMill fundamental rating for TRUSTCO BANK CORP NY?
ChartMill assigns a fundamental rating of 3 / 10 to TRST.
Can you provide the valuation status for TRUSTCO BANK CORP NY?
ChartMill assigns a valuation rating of 3 / 10 to TRUSTCO BANK CORP NY (TRST). This can be considered as Overvalued.
Can you provide the profitability details for TRUSTCO BANK CORP NY?
TRUSTCO BANK CORP NY (TRST) has a profitability rating of 3 / 10.
How financially healthy is TRUSTCO BANK CORP NY?
The financial health rating of TRUSTCO BANK CORP NY (TRST) is 3 / 10.
What is the earnings growth outlook for TRUSTCO BANK CORP NY?
The Earnings per Share (EPS) of TRUSTCO BANK CORP NY (TRST) is expected to grow by 15.89% in the next year.