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TRST Trustco Bank Corp N Y
- Stocks
- Financial Services
- NASDAQ: TRST
Price (delayed)
$31.46
Market cap
$598.36M
P/E Ratio
11.7
Dividend/share
$1.44
EPS
$2.69
Enterprise value
-$37.18M
TrustCo Bank Corp NY is a $5.7 billion savings and loan holding company. Through its subsidiary, Trustco Bank, Trustco operates 148 offices in New York, New Jersey, Vermont, Massachusetts and
Highlights
TRST's debt is down by 12% year-on-year and by 3.5% since the previous quarter
The equity has grown by 6% YoY
The P/E is 13% more than the 5-year quarterly average of 10.4 but 4.1% less than the last 4 quarters average of 12.2
The EPS has increased by 4.7% from the previous quarter but it has decreased by 3.2% YoY
Key stats
What are the main financial stats of TRST
Market
Valuations
Earnings
Shares outstanding
19.02M
Market cap
$598.36M
Enterprise value
-$37.18M
Price to earnings (P/E)
11.7
Price to book (P/B)
0.87
Price to sales (P/S)
3.44
EV/EBIT
-0.56
EV/EBITDA
-0.47
EV/Sales
-0.21
Revenue
$174M
Gross profit
$174M
Operating income
$66.85M
Net income
$50.98M
EBIT
$66.85M
EBITDA
$78.35M
Free cash flow
$42.61M
Per share
Balance sheet
Liquidity
EPS
$2.69
EPS diluted
$2.69
Free cash flow per share
$2.24
Book value per share
$36.16
Revenue per share
$9.15
TBVPS
$333.26
Total assets
$6.34B
Total liabilities
$5.65B
Debt
$120.6M
Equity
$687.81M
Working capital
N/A
Debt to equity
0.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.11
Margins
Efficiency
Dividend
EBITDA margin
45%
Gross margin
100%
Net margin
29.3%
Operating margin
38.4%
Return on assets
0.8%
Return on equity
7.6%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
38.4%
Dividend yield
4.58%
DPS
$1.44
Payout ratio
53.5%
TRST stock price
How has the Trustco Bank Corp N Y stock price performed over time
Intraday
0.74%
1 week
1.35%
1 month
0.9%
1 year
13.53%
YTD
-5.55%
QTD
3.22%
Financial performance
How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$174M
Gross profit
$174M
Operating income
$66.85M
Net income
$50.98M
Gross margin
100%
Net margin
29.3%
The company's operating income rose by 4.4% QoQ but it fell by 4.3% YoY
TRST's net income is up by 4.4% since the previous quarter but it is down by 3.9% year-on-year
The operating margin is down by 2% YoY
The gross profit has grown by 2.5% from the previous quarter but it has contracted by 2.5% YoY
Price vs fundamentals
How does TRST's price correlate with its fundamentals
Growth
What is Trustco Bank Corp N Y's growth rate over time
Valuation
What is Trustco Bank Corp N Y stock price valuation
P/E
11.7
P/B
0.87
P/S
3.44
EV/EBIT
-0.56
EV/EBITDA
-0.47
EV/Sales
-0.21
The P/E is 13% more than the 5-year quarterly average of 10.4 but 4.1% less than the last 4 quarters average of 12.2
The EPS has increased by 4.7% from the previous quarter but it has decreased by 3.2% YoY
The price to book (P/B) is 13% lower than the 5-year quarterly average of 1.0 and 3.3% lower than the last 4 quarters average of 0.9
The equity has grown by 6% YoY
The company's revenue rose by 2.5% QoQ but it fell by 2.5% YoY
Efficiency
How efficient is Trustco Bank Corp N Y business performance
The company's return on assets fell by 11% YoY
Trustco Bank Corp N Y's return on equity has decreased by 10% YoY but it has increased by 2.7% QoQ
The ROIC rose by 9% since the previous quarter
The ROS has decreased by 2% YoY
Dividends
What is TRST's dividend history
DPS
$1.44
Dividend yield
4.58%
Payout ratio
53.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Trustco Bank Corp N Y financials performed over time
TRST's total assets is 12% greater than its total liabilities
TRST's total assets is up by 2.6% year-on-year
The total liabilities is up by 2.2% YoY
TRST's debt is 82% smaller than its equity
Trustco Bank Corp N Y's debt to equity has decreased by 14% YoY
TRST's debt is down by 12% year-on-year and by 3.5% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.