TRST Trustco Bank Corp N Y

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

Price (delayed)

$26.78

Market cap

$509.47M

P/E Ratio

8.69

Dividend/share

$1.44

EPS

$3.08

Enterprise value

$64.93M

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 22% year-on-year and by 10% since the previous quarter
The equity has grown by 8% YoY and by 3.4% from the previous quarter
The P/E is 16% less than the 5-year quarterly average of 10.4 but 6% more than the last 4 quarters average of 8.2
The EPS has decreased by 22% YoY and by 16% from the previous quarter
TRST's net income is down by 22% year-on-year and by 16% since 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
$509.47M
Enterprise value
$64.93M
Valuations
Price to earnings (P/E)
8.69
Price to book (P/B)
0.79
Price to sales (P/S)
2.7
EV/EBIT
0.84
EV/EBITDA
0.73
EV/Sales
0.34
Earnings
Revenue
$188.91M
EBIT
$77.61M
EBITDA
$88.4M
Free cash flow
$58.46M
Per share
EPS
$3.08
Free cash flow per share
$3.07
Book value per share
$33.92
Revenue per share
$9.93
TBVPS
$324.22
Balance sheet
Total assets
$6.17B
Total liabilities
$5.52B
Debt
$133.46M
Equity
$645.29M
Working capital
N/A
Liquidity
Debt to equity
0.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.03
Margins
EBITDA margin
46.8%
Gross margin
100%
Net margin
31%
Operating margin
41.1%
Efficiency
Return on assets
1%
Return on equity
9.4%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
41.1%
Dividend
Dividend yield
5.38%
DPS
$1.44
Payout ratio
46.8%

TRST stock price

How has the Trustco Bank Corp N Y stock price performed over time
Intraday
-0.56%
1 week
1.79%
1 month
-1.98%
1 year
-9.13%
YTD
-13.75%
QTD
-4.9%

Financial performance

How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$188.91M
Gross profit
$188.91M
Operating income
$77.61M
Net income
$58.65M
Gross margin
100%
Net margin
31%
The company's operating income fell by 22% YoY and by 16% QoQ
TRST's net income is down by 22% year-on-year and by 16% since the previous quarter
TRST's net margin is down by 18% year-on-year and by 11% since the previous quarter
The operating margin is down by 17% YoY and by 10% 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
TRST P/E details
P/E
8.69
P/B
0.79
P/S
2.7
EV/EBIT
0.84
EV/EBITDA
0.73
EV/Sales
0.34
The EPS has decreased by 22% YoY and by 16% from the previous quarter
The P/E is 16% less than the 5-year quarterly average of 10.4 but 6% more than the last 4 quarters average of 8.2
The price to book (P/B) is 28% lower than the 5-year quarterly average of 1.1 and 12% lower than the last 4 quarters average of 0.9
The equity has grown by 8% YoY and by 3.4% from the previous quarter
The price to sales (P/S) is 23% lower than the 5-year quarterly average of 3.5 and 3.6% lower than the last 4 quarters average of 2.8
The company's revenue fell by 6% QoQ and by 5% YoY

Efficiency

How efficient is Trustco Bank Corp N Y business performance
Trustco Bank Corp N Y's return on equity has decreased by 26% YoY and by 17% QoQ
The ROIC has declined by 22% year-on-year and by 13% since the previous quarter
The ROS has decreased by 17% YoY and by 10% from the previous quarter
The company's return on assets fell by 17% QoQ and by 17% YoY

Dividends

What is TRST's dividend history
Dividend details
DPS
$1.44
Dividend yield
5.38%
Payout ratio
46.8%
Recent dividends

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 2.8% year-on-year
The total liabilities is up by 2.3% YoY
TRST's debt is 79% smaller than its equity
Trustco Bank Corp N Y's debt to equity has decreased by 28% YoY and by 13% QoQ
TRST's debt is down by 22% year-on-year and by 10% since the previous quarter

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