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Price (delayed)
$36.77
Market cap
$699.01M
P/E Ratio
14.77
Dividend/share
$1.44
EPS
$2.49
Enterprise value
$308.97M
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 11% year-on-year
The equity has grown by 7% YoY and by 2.1% from the previous quarter
The P/E is 43% more than the 5-year quarterly average of 10.3 and 32% more than the last 4 quarters average of 11.2
TRST's net income is down by 32% year-on-year and by 3.7% since the previous quarter
Key stats
What are the main financial stats of TRST
Market
Valuations
Earnings
Shares outstanding
19.01M
Market cap
$699.01M
Enterprise value
$308.97M
Price to earnings (P/E)
14.77
Price to book (P/B)
1.04
Price to sales (P/S)
4.15
EV/EBIT
4.97
EV/EBITDA
4.22
EV/Sales
1.83
Revenue
$168.59M
EBIT
$62.2M
EBITDA
$73.19M
Free cash flow
$57.41M
Per share
Balance sheet
Liquidity
EPS
$2.49
Free cash flow per share
$3.02
Book value per share
$35.19
Revenue per share
$8.87
TBVPS
$321.39
Total assets
$6.11B
Total liabilities
$5.44B
Debt
$132.92M
Equity
$669.02M
Working capital
N/A
Debt to equity
0.2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.33
Margins
Efficiency
Dividend
EBITDA margin
43.4%
Gross margin
100%
Net margin
28.1%
Operating margin
36.9%
Return on assets
0.8%
Return on equity
7.2%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
36.9%
Dividend yield
3.92%
DPS
$1.44
Payout ratio
57.8%
TRST stock price
How has the Trustco Bank Corp N Y stock price performed over time
Intraday
1.32%
1 week
0.08%
1 month
12.86%
1 year
35.73%
YTD
18.42%
QTD
11.19%
Financial performance
How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$168.59M
Gross profit
$168.59M
Operating income
$62.2M
Net income
$47.4M
Gross margin
100%
Net margin
28.1%
The company's operating income fell by 33% YoY and by 3.6% QoQ
TRST's net income is down by 32% year-on-year and by 3.7% since the previous quarter
The operating margin is down by 20% YoY
TRST's net margin is down by 19% year-on-year
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
14.77
P/B
1.04
P/S
4.15
EV/EBIT
4.97
EV/EBITDA
4.22
EV/Sales
1.83
The P/E is 43% more than the 5-year quarterly average of 10.3 and 32% more than the last 4 quarters average of 11.2
The EPS has decreased by 32% YoY and by 3.5% from the previous quarter
The price to book (P/B) is 16% higher than the last 4 quarters average of 0.9 and 4% higher than the 5-year quarterly average of 1.0
The equity has grown by 7% YoY and by 2.1% from the previous quarter
The price to sales (P/S) is 26% higher than the last 4 quarters average of 3.3 and 22% higher than the 5-year quarterly average of 3.4
The company's revenue fell by 16% YoY and by 2.1% QoQ
Efficiency
How efficient is Trustco Bank Corp N Y business performance
Trustco Bank Corp N Y's return on equity has decreased by 36% YoY and by 5% QoQ
The company's return on assets fell by 33% YoY
The ROIC has declined by 31% year-on-year
The ROS has decreased by 20% YoY
Dividends
What is TRST's dividend history
DPS
$1.44
Dividend yield
3.92%
Payout ratio
57.8%
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 17% YoY
TRST's debt is down by 11% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.