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TRST Trustco Bank Corp N Y

Price (delayed)

$33.35

Market cap

$634.31M

P/E Ratio

12.4

Dividend/share

$1.44

EPS

$2.69

Enterprise value

-$1.23M

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 12% year-on-year and by 3.5% since the previous quarter
The equity has grown by 6% YoY
The EPS has increased by 4.7% from the previous quarter but it has decreased by 3.2% YoY
TRST's net income is up by 4.4% since the previous quarter but it is down by 3.9% year-on-year
The P/E is 19% more than the 5-year quarterly average of 10.4

Key stats

What are the main financial stats of TRST
Market
Shares outstanding
19.02M
Market cap
$634.31M
Enterprise value
-$1.23M
Valuations
Price to earnings (P/E)
12.4
Price to book (P/B)
0.92
Price to sales (P/S)
3.65
EV/EBIT
-0.02
EV/EBITDA
-0.02
EV/Sales
-0.01
Earnings
Revenue
$174M
Gross profit
$174M
Operating income
$66.85M
Net income
$50.98M
EBIT
$66.85M
EBITDA
$78.35M
Free cash flow
$42.61M
Per share
EPS
$2.69
EPS diluted
$2.69
Free cash flow per share
$2.24
Book value per share
$36.16
Revenue per share
$9.15
TBVPS
$333.26
Balance sheet
Total assets
$6.34B
Total liabilities
$5.65B
Debt
$120.6M
Equity
$687.81M
Working capital
N/A
Liquidity
Debt to equity
0.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.11
Margins
EBITDA margin
45%
Gross margin
100%
Net margin
29.3%
Operating margin
38.4%
Efficiency
Return on assets
0.8%
Return on equity
7.6%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
38.4%
Dividend
Dividend yield
4.32%
DPS
$1.44
Payout ratio
53.5%

TRST stock price

How has the Trustco Bank Corp N Y stock price performed over time
Intraday
0.82%
1 week
8.17%
1 month
5.97%
1 year
20.01%
YTD
0.12%
QTD
9.42%

Financial performance

How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$174M
Gross profit
$174M
Operating income
$66.85M
Net income
$50.98M
Gross margin
100%
Net margin
29.3%
The company's operating income rose by 4.4% QoQ but it fell by 4.3% YoY
TRST's net income is up by 4.4% since the previous quarter but it is down by 3.9% year-on-year
The gross profit has grown by 2.5% from the previous quarter but it has contracted by 2.5% YoY
The company's revenue rose by 2.5% QoQ but it fell by 2.5% YoY

Price vs fundamentals

How does TRST's price correlate with its fundamentals

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
12.4
P/B
0.92
P/S
3.65
EV/EBIT
-0.02
EV/EBITDA
-0.02
EV/Sales
-0.01
The P/E is 19% more than the 5-year quarterly average of 10.4
The EPS has increased by 4.7% from the previous quarter but it has decreased by 3.2% YoY
The price to book (P/B) is 8% lower than the 5-year quarterly average of 1.0 but 2.2% higher than the last 4 quarters average of 0.9
The equity has grown by 6% YoY
The price to sales (P/S) is 7% higher than the 5-year quarterly average of 3.4 and 4.3% higher than the last 4 quarters average of 3.5
The company's revenue rose by 2.5% QoQ but it fell by 2.5% YoY

Efficiency

How efficient is Trustco Bank Corp N Y business performance
The company's return on assets fell by 11% YoY
Trustco Bank Corp N Y's return on equity has decreased by 10% YoY but it has increased by 2.7% QoQ
The ROIC rose by 9% since the previous quarter
The ROS has decreased by 2% YoY

Dividends

What is TRST's dividend history
DPS
$1.44
Dividend yield
4.32%
Payout ratio
53.5%
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 total assets is up by 2.6% year-on-year
The total liabilities is up by 2.2% YoY
TRST's debt is 82% smaller than its equity
Trustco Bank Corp N Y's debt to equity has decreased by 14% YoY
TRST's debt is down by 12% year-on-year and by 3.5% since the previous quarter

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