43.45 USD
-0.41 (-0.93%)
43.45 USD
0 (0%)
Taking everything into account, TRST scores 3 out of 10 in our fundamental rating. TRST was compared to 383 industry peers in the Banks industry. TRST has a bad profitability rating. Also its financial health evaluation is rather negative. TRST does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- TRST had positive earnings in the past year.
- TRST had a positive operating cash flow in the past year.
- In the past 5 years TRST has always been profitable.
- TRST had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- TRST's Return On Assets of 0.90% is in line compared to the rest of the industry. TRST outperforms 49.61% of its industry peers.
- Looking at the Return On Equity, with a value of 8.22%, TRST is in line with its industry, outperforming 43.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.22% | ||
| 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
- TRST has a better Profit Margin (31.06%) than 83.03% of its industry peers.
- In the last couple of years the Profit Margin of TRST has declined.
- 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) | 31.06% | ||
| 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.
- TRST has about the same amout of shares outstanding than it did 1 year ago.
- TRST has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for TRST has been reduced compared to a year ago.
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.
- The Debt to FCF ratio of TRST (2.24) is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.14 indicates that TRST is not too dependend on debt financing.
- TRST has a Debt to Equity ratio (0.14) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 19.60% over the past year.
- The Earnings Per Share has been decreasing by -2.85% on average over the past years.
- The Revenue has been growing slightly by 6.72% in the past year.
- The Revenue has been decreasing by -0.30% on average over the past years.
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 14.53.
- Compared to the rest of the industry, the Price/Earnings ratio of TRST indicates a slightly more expensive valuation: TRST is more expensive than 62.92% of the companies listed in the same industry.
- TRST is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 14.59 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 73.11% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. TRST is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.53 | ||
| Fwd PE | 14.59 |
4.2 Price Multiples
- 69.71% of the companies in the same industry are cheaper than TRST, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.34 | ||
| 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)0.91
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.47%, TRST has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.87, 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 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
5.2 History
- The dividend of TRST has a limited annual growth rate of 1.10%.
- 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)1.1%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
- TRST pays out 48.14% 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.
DP48.14%
EPS Next 2YN/A
EPS Next 3YN/A
43.45
-0.41 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners82.07%
Inst Owner Change0.05%
Ins Owners3.01%
Ins Owner Change0.59%
Market Cap800.35M
Revenue(TTM)183.06M
Net Income(TTM)56.85M
Analysts40
Price TargetN/A
Short Float %2.61%
Short Ratio4.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
Yearly Dividend1.44
Dividend Growth(5Y)1.1%
DP48.14%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.53%
Min EPS beat(2)10.64%
Max EPS beat(2)12.42%
EPS beat(4)3
Avg EPS beat(4)6.21%
Min EPS beat(4)-9.62%
Max EPS beat(4)12.42%
EPS beat(8)6
Avg EPS beat(8)5.71%
EPS beat(12)7
Avg EPS beat(12)3.55%
EPS beat(16)11
Avg EPS beat(16)7.01%
Revenue beat(2)0
Avg Revenue beat(2)-1.68%
Min Revenue beat(2)-1.69%
Max Revenue beat(2)-1.67%
Revenue beat(4)0
Avg Revenue beat(4)-2.06%
Min Revenue beat(4)-3.24%
Max Revenue beat(4)-1.66%
Revenue beat(8)2
Avg Revenue beat(8)-2.94%
Revenue beat(12)3
Avg Revenue beat(12)-2.86%
Revenue beat(16)5
Avg Revenue beat(16)-1.62%
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 | 14.53 | ||
| Fwd PE | 14.59 | ||
| P/S | 4.37 | ||
| P/FCF | 18.34 | ||
| P/OCF | 14.43 | ||
| P/B | 1.16 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.99
EY6.88%
EPS(NY)2.98
Fwd EY6.85%
FCF(TTM)2.37
FCFY5.45%
OCF(TTM)3.01
OCFY6.93%
SpS9.94
BVpS37.57
TBVpS37.57
PEG (NY)0.91
PEG (5Y)N/A
Graham Number50.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.06% | ||
| GM | N/A | ||
| FCFM | 23.84% |
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | -14967.1% | ||
| Cap/Sales | 6.46% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 76.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.81%
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-32.75%
FCF growth 3Y1.23%
FCF growth 5Y-1.85%
OCF growth 1Y-19.72%
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.
What is the valuation status of TRUSTCO BANK CORP NY (TRST) stock?
ChartMill assigns a valuation rating of 2 / 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.
What is the expected EPS growth for TRUSTCO BANK CORP NY (TRST) stock?
The Earnings per Share (EPS) of TRUSTCO BANK CORP NY (TRST) is expected to grow by 15.89% in the next year.
Can you provide the dividend sustainability for TRST stock?
The dividend rating of TRUSTCO BANK CORP NY (TRST) is 6 / 10 and the dividend payout ratio is 48.14%.