Have a feature idea you'd love to see implemented? Let us know!

TRST Trustco Bank Corp N Y

Price (delayed)

$33.755

Market cap

$641.7M

P/E Ratio

13.08

Dividend/share

$1.44

EPS

$2.58

Enterprise value

$237.33M

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 18% year-on-year and by 4.4% since the previous quarter
The equity has grown by 5% YoY
TRST's net income is down by 34% year-on-year and by 7% since the previous quarter
The EPS has decreased by 34% YoY and by 7% from the previous quarter

Key stats

What are the main financial stats of TRST
Market
Shares outstanding
19.01M
Market cap
$641.7M
Enterprise value
$237.33M
Valuations
Price to book (P/B)
0.98
Price to sales (P/S)
3.73
EV/EBIT
3.68
EV/EBITDA
3.14
EV/Sales
1.38
Earnings
Revenue
$172.19M
EBIT
$64.53M
EBITDA
$75.48M
Free cash flow
$52.87M
Per share
EPS
$2.58
Free cash flow per share
$2.78
Book value per share
$34.44
Revenue per share
$9.05
TBVPS
$320.99
Balance sheet
Total assets
$6.11B
Total liabilities
$5.45B
Debt
$131.75M
Equity
$655.17M
Working capital
N/A
Liquidity
Debt to equity
0.2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.36
Margins
EBITDA margin
43.8%
Gross margin
100%
Net margin
28.6%
Operating margin
37.5%
Efficiency
Return on assets
0.8%
Return on equity
7.6%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
37.5%
Dividend
Dividend yield
4.27%
DPS
$1.44
Payout ratio
55.8%

TRST stock price

How has the Trustco Bank Corp N Y stock price performed over time
Intraday
1.15%
1 week
1.43%
1 month
2.07%
1 year
33.05%
YTD
8.71%
QTD
2.07%

Financial performance

How have Trustco Bank Corp N Y's revenue and profit performed over time
Revenue
$172.19M
Gross profit
$172.19M
Operating income
$64.53M
Net income
$49.21M
Gross margin
100%
Net margin
28.6%
The company's operating income fell by 35% YoY and by 8% QoQ
TRST's net income is down by 34% year-on-year and by 7% since the previous quarter
The operating margin is down by 22% YoY and by 4.3% from the previous quarter
TRST's net margin is down by 21% year-on-year and by 3.7% since 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
13.08
P/B
0.98
P/S
3.73
EV/EBIT
3.68
EV/EBITDA
3.14
EV/Sales
1.38
The EPS has decreased by 34% YoY and by 7% from the previous quarter
The P/E is 33% more than the last 4 quarters average of 9.7 and 27% more than the 5-year quarterly average of 10.2
The price to book (P/B) is 8% higher than the last 4 quarters average of 0.9 but 3% lower than the 5-year quarterly average of 1.0
The equity has grown by 5% YoY
The price to sales (P/S) is 23% higher than the last 4 quarters average of 3.0 and 8% higher than the 5-year quarterly average of 3.4
The company's revenue fell by 17% YoY and by 3.5% QoQ

Efficiency

How efficient is Trustco Bank Corp N Y business performance
The ROIC has declined by 39% year-on-year and by 8% since the previous quarter
Trustco Bank Corp N Y's return on equity has decreased by 38% YoY and by 10% QoQ
The company's return on assets fell by 33% YoY and by 11% QoQ
The ROS has decreased by 22% YoY and by 4.3% from the previous quarter

Dividends

What is TRST's dividend history
DPS
$1.44
Dividend yield
4.27%
Payout ratio
55.8%
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 23% YoY and by 4.8% QoQ
TRST's debt is down by 18% year-on-year and by 4.4% since the previous quarter

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