42.51 USD
-0.38 (-0.89%)
42.51 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to TRST. TRST was compared to 383 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.
1. Profitability
1.1 Basic Checks
- In the past year TRST was profitable.
- TRST had a positive operating cash flow in the past year.
- TRST had positive earnings in each of the past 5 years.
- Of the past 5 years TRST 4 years had a positive operating cash flow.
1.2 Ratios
- TRST has a Return On Assets of 0.90%. This is comparable to the rest of the industry: TRST outperforms 49.61% of its industry peers.
- The Return On Equity of TRST (8.22%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.22% | ||
| ROIC | N/A |
ROA(3y)0.89%
ROA(5y)0.99%
ROE(3y)8.4%
ROE(5y)9.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- TRST's Profit Margin of 31.06% is amongst the best of the industry. TRST outperforms 82.77% of its industry peers.
- In the last couple of years the Profit Margin of TRST has remained more or less at the same level.
- 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) | 31.06% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.8%
PM growth 5Y1.14%
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.
- TRST has less shares outstanding than it did 1 year ago.
- TRST has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, TRST has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of TRST is 2.24, which is a good value as it means it would take TRST, 2.24 years of fcf income to pay off all of its debts.
- TRST has a Debt to FCF ratio of 2.24. This is comparable to the rest of the industry: TRST outperforms 44.13% of its industry peers.
- TRST has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
- TRST has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.95%
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 26.46%, which is quite impressive.
- Measured over the past 5 years, TRST shows a small growth in Earnings Per Share. The EPS has been growing by 3.62% on average per year.
- Looking at the last year, TRST shows a quite strong growth in Revenue. The Revenue has grown by 9.40% in the last year.
- Measured over the past years, TRST shows a small growth in Revenue. The Revenue has been growing by 1.93% on average per year.
EPS 1Y (TTM)26.46%
EPS 3Y-6.16%
EPS 5Y3.62%
EPS Q2Q%44.07%
Revenue 1Y (TTM)9.4%
Revenue growth 3Y-1.96%
Revenue growth 5Y1.93%
Sales Q2Q%11.22%
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 YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
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
- With a Price/Earnings ratio of 13.08, TRST is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as TRST.
- The average S&P500 Price/Earnings ratio is at 27.25. TRST is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.08 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of TRST indicates a slightly more expensive valuation: TRST is more expensive than 69.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.61
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- TRST has a Yearly Dividend Yield of 3.54%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.64, TRST pays a bit more dividend than its industry peers.
- TRST's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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
- 48.14% of the earnings are spent on dividend by TRST. 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.
DP48.14%
EPS Next 2YN/A
EPS Next 3YN/A
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.
What is the valuation status of TRUSTCO BANK CORP NY (TRST) stock?
ChartMill assigns a valuation rating of 1 / 10 to TRUSTCO BANK CORP NY (TRST). This can be considered as Overvalued.
How profitable is TRUSTCO BANK CORP NY (TRST) stock?
TRUSTCO BANK CORP NY (TRST) has a profitability rating of 3 / 10.
How sustainable is the dividend of TRUSTCO BANK CORP NY (TRST) stock?
The dividend rating of TRUSTCO BANK CORP NY (TRST) is 6 / 10 and the dividend payout ratio is 48.14%.