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Price (delayed)
$33.755
Market cap
$641.7M
P/E Ratio
13.08
Dividend/share
$1.44
EPS
$2.58
Enterprise value
$237.33M
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 18% year-on-year and by 4.4% since the previous quarter
The equity has grown by 5% YoY
TRST's net income is down by 34% year-on-year and by 7% since the previous quarter
The EPS has decreased by 34% YoY and by 7% from the previous quarter
Key stats
What are the main financial stats of TRST
Market
Valuations
Earnings
Shares outstanding
19.01M
Market cap
$641.7M
Enterprise value
$237.33M
Price to earnings (P/E)
13.08
Price to book (P/B)
0.98
Price to sales (P/S)
3.73
EV/EBIT
3.68
EV/EBITDA
3.14
EV/Sales
1.38
Revenue
$172.19M
EBIT
$64.53M
EBITDA
$75.48M
Free cash flow
$52.87M
Per share
Balance sheet
Liquidity
EPS
$2.58
Free cash flow per share
$2.78
Book value per share
$34.44
Revenue per share
$9.05
TBVPS
$320.99
Total assets
$6.11B
Total liabilities
$5.45B
Debt
$131.75M
Equity
$655.17M
Working capital
N/A
Debt to equity
0.2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.36
Margins
Efficiency
Dividend
EBITDA margin
43.8%
Gross margin
100%
Net margin
28.6%
Operating margin
37.5%
Return on assets
0.8%
Return on equity
7.6%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
37.5%
Dividend yield
4.27%
DPS
$1.44
Payout ratio
55.8%
TRST stock price
How has the Trustco Bank Corp N Y stock price performed over time
Intraday
1.15%
1 week
1.43%
1 month
2.07%
1 year
33.05%
YTD
8.71%
QTD
2.07%
Financial performance
How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$172.19M
Gross profit
$172.19M
Operating income
$64.53M
Net income
$49.21M
Gross margin
100%
Net margin
28.6%
The company's operating income fell by 35% YoY and by 8% QoQ
TRST's net income is down by 34% year-on-year and by 7% since the previous quarter
The operating margin is down by 22% YoY and by 4.3% from the previous quarter
TRST's net margin is down by 21% year-on-year and by 3.7% since the previous quarter
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
13.08
P/B
0.98
P/S
3.73
EV/EBIT
3.68
EV/EBITDA
3.14
EV/Sales
1.38
The EPS has decreased by 34% YoY and by 7% from the previous quarter
The P/E is 33% more than the last 4 quarters average of 9.7 and 27% more than the 5-year quarterly average of 10.2
The price to book (P/B) is 8% higher than the last 4 quarters average of 0.9 but 3% lower than the 5-year quarterly average of 1.0
The equity has grown by 5% YoY
The price to sales (P/S) is 23% higher than the last 4 quarters average of 3.0 and 8% higher than the 5-year quarterly average of 3.4
The company's revenue fell by 17% YoY and by 3.5% QoQ
Efficiency
How efficient is Trustco Bank Corp N Y business performance
The ROIC has declined by 39% year-on-year and by 8% since the previous quarter
Trustco Bank Corp N Y's return on equity has decreased by 38% YoY and by 10% QoQ
The company's return on assets fell by 33% YoY and by 11% QoQ
The ROS has decreased by 22% YoY and by 4.3% from the previous quarter
Dividends
What is TRST's dividend history
DPS
$1.44
Dividend yield
4.27%
Payout ratio
55.8%
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 debt is 80% smaller than its equity
Trustco Bank Corp N Y's debt to equity has decreased by 23% YoY and by 4.8% QoQ
TRST's debt is down by 18% year-on-year and by 4.4% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.