TRST Trustco Bank Corp N Y
Price (delayed)
$30.75
Market cap
$584.86M
P/E Ratio
11.96
Dividend/share
$1.44
EPS
$2.57
Enterprise value
$67.99M
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 6% year-on-year and by 6% since the previous quarter
The equity has grown by 4.8% YoY
The EPS has decreased by 17% YoY but it has increased by 3.2% from the previous quarter
TRST's net income is down by 17% year-on-year but it is up by 3% since the previous quarter
The P/E is 15% more than the 5-year quarterly average of 10.3
The gross profit has contracted by 10% YoY
Key stats
What are the main financial stats of TRST
Market
Valuations
Earnings
Shares outstanding
19.02M
Market cap
$584.86M
Enterprise value
$67.99M
Price to earnings (P/E)
11.96
Price to book (P/B)
0.86
Price to sales (P/S)
3.44
EV/EBIT
1.06
EV/EBITDA
0.9
EV/Sales
0.4
Revenue
$169.77M
Gross profit
$169.77M
Operating income
$64.05M
Net income
$48.83M
EBIT
$64.05M
EBITDA
$75.48M
Free cash flow
$55.27M
Per share
Balance sheet
Liquidity
EPS
$2.57
EPS diluted
$2.57
Free cash flow per share
$2.91
Book value per share
$35.58
Revenue per share
$8.93
TBVPS
$328.17
Total assets
$6.24B
Total liabilities
$5.56B
Debt
$124.94M
Equity
$676.34M
Working capital
N/A
Debt to equity
0.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.85
Margins
Efficiency
Dividend
EBITDA margin
44.5%
Gross margin
100%
Net margin
28.8%
Operating margin
37.7%
Return on assets
0.8%
Return on equity
7.4%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
37.7%
Dividend yield
4.68%
DPS
$1.44
Payout ratio
56%
TRST stock price
How has the Trustco Bank Corp N Y stock price performed over time
Intraday
0.69%
1 week
3.05%
1 month
0.82%
1 year
14.02%
YTD
-7.69%
QTD
0.89%
Financial performance
How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$169.77M
Gross profit
$169.77M
Operating income
$64.05M
Net income
$48.83M
Gross margin
100%
Net margin
28.8%
TRST's net income is down by 17% year-on-year but it is up by 3% since the previous quarter
The company's operating income fell by 17% YoY but it rose by 3% QoQ
The gross profit has contracted by 10% YoY
The company's revenue fell by 10% YoY
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
11.96
P/B
0.86
P/S
3.44
EV/EBIT
1.06
EV/EBITDA
0.9
EV/Sales
0.4
The EPS has decreased by 17% YoY but it has increased by 3.2% from the previous quarter
The P/E is 15% more than the 5-year quarterly average of 10.3
The price to book (P/B) is 14% lower than the 5-year quarterly average of 1.0 and 4.4% lower than the last 4 quarters average of 0.9
The equity has grown by 4.8% YoY
The company's revenue fell by 10% YoY
Efficiency
How efficient is Trustco Bank Corp N Y business performance
The ROIC has declined by 21% year-on-year
Trustco Bank Corp N Y's return on equity has decreased by 21% YoY but it has increased by 2.8% QoQ
The company's return on assets fell by 20% YoY
The ROS has decreased by 8% YoY but it has increased by 2.2% from the previous quarter
Dividends
What is TRST's dividend history
DPS
$1.44
Dividend yield
4.68%
Payout ratio
56%
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
The total liabilities is up by 2.2% from the previous quarter
TRST's total assets is up by 2.1% since the previous quarter
TRST's debt is 82% smaller than its equity
Trustco Bank Corp N Y's debt to equity has decreased by 14% YoY and by 10% QoQ
TRST's debt is down by 6% year-on-year and by 6% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.