TRST Trustco Bank Corp N Y

  1. Stocks
  2. Financial Services
  3. NASDAQ: TRST

Price (delayed)

$27.41

Market cap

$521.46M

P/E Ratio

7.49

Dividend/share

$1.44

EPS

$3.66

Enterprise value

$162.73M

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
The P/E is 29% less than the 5-year quarterly average of 10.6 and 8% less than the last 4 quarters average of 8.1
TRST's debt is down by 15% year-on-year and by 8% since the previous quarter
The gross profit has grown by 3.8% YoY but it has contracted by 2.5% from the previous quarter
The company's revenue rose by 3.8% YoY but it fell by 2.5% QoQ
TRST's net income is down by 6% since the previous quarter
The EPS has decreased by 6% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: https://www.trustcobank.com
Peers: NECB GCBC BHLB NYCB

Key stats

What are the main financial stats of TRST
Market
Shares outstanding
19.02M
Market cap
$521.46M
Enterprise value
$162.73M
Valuations
Price to earnings (P/E)
7.49
Price to book (P/B)
0.84
Price to sales (P/S)
2.59
EV/EBIT
1.76
EV/EBITDA
1.58
EV/Sales
0.81
Earnings
Revenue
$201.09M
EBIT
$92.22M
EBITDA
$102.8M
Free cash flow
$64.86M
Per share
EPS
$3.66
Free cash flow per share
$3.41
Book value per share
$32.8
Revenue per share
$10.57
TBVPS
$318.24
Balance sheet
Total assets
$6.05B
Total liabilities
$5.43B
Debt
$148.53M
Equity
$623.93M
Working capital
N/A
Liquidity
Debt to equity
0.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.49
Margins
EBITDA margin
51.1%
Gross margin
100%
Net margin
34.7%
Operating margin
45.9%
Efficiency
Return on assets
1.2%
Return on equity
11.3%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
45.9%
Dividend
Dividend yield
5.25%
DPS
$1.44
Payout ratio
39.3%

TRST stock price

How has the Trustco Bank Corp N Y stock price performed over time
Intraday
0.92%
1 week
0.29%
1 month
8.38%
1 year
-28.43%
YTD
-27.08%
QTD
0.44%

Financial performance

How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$201.09M
Gross profit
$201.09M
Operating income
$92.22M
Net income
$69.71M
Gross margin
100%
Net margin
34.7%
The company's operating income fell by 7% QoQ
TRST's net income is down by 6% since the previous quarter
TRST's net margin is down by 4.7% year-on-year and by 3.9% since the previous quarter
The operating margin is down by 5% YoY and by 4.2% from 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
7.49
P/B
0.84
P/S
2.59
EV/EBIT
1.76
EV/EBITDA
1.58
EV/Sales
0.81
The P/E is 29% less than the 5-year quarterly average of 10.6 and 8% less than the last 4 quarters average of 8.1
The EPS has decreased by 6% from the previous quarter
The price to book (P/B) is 24% lower than the 5-year quarterly average of 1.1 and 16% lower than the last 4 quarters average of 1.0
The equity has grown by 6% YoY
The price to sales (P/S) is 28% lower than the 5-year quarterly average of 3.6 and 11% lower than the last 4 quarters average of 2.9
The company's revenue rose by 3.8% YoY but it fell by 2.5% QoQ

Efficiency

How efficient is Trustco Bank Corp N Y business performance
The ROIC has declined by 11% since the previous quarter and by 11% year-on-year
The company's return on assets rose by 9% YoY
Trustco Bank Corp N Y's return on equity has decreased by 8% QoQ and by 5% YoY
The ROS has decreased by 5% YoY and by 4.2% from the previous quarter

Dividends

What is TRST's dividend history
Dividend details
DPS
$1.44
Dividend yield
5.25%
Payout ratio
39.3%
Recent dividends

Financial health

How did Trustco Bank Corp N Y financials performed over time
TRST's total assets is 11% greater than its total liabilities
TRST's debt is 76% smaller than its equity
Trustco Bank Corp N Y's debt to equity has decreased by 20% YoY and by 8% QoQ
TRST's debt is down by 15% year-on-year and by 8% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.