Financhill
Buy
67

TRST Quote, Financials, Valuation and Earnings

Last price:
$44.05
Seasonality move :
3.99%
Day range:
$42.73 - $44.63
52-week range:
$27.18 - $48.45
Dividend yield:
3.36%
P/E ratio:
13.54x
P/S ratio:
2.98x
P/B ratio:
1.16x
Volume:
155.1K
Avg. volume:
121.7K
1-year change:
33.54%
Market cap:
$794.7M
Revenue:
$277.6M
EPS (TTM):
$3.26

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
TRST
TrustCo Bank Corp. NY
$43.1M $0.60 -15.79% -38.37% --
AFBI
Affinity Bancshares, Inc.
-- -- -- -- --
COLB
Columbia Banking System, Inc.
$693.5M $0.72 -5.37% 66.09% $32.73
CPF
Central Pacific Financial Corp.
$75.4M $0.73 -15.83% 16.46% $37.50
FRAF
Franklin Financial Services Corp. (Pennsylvania)
-- -- -- -- --
HTBK
Heritage Commerce Corp.
$50.8M $0.23 -18.5% 29.16% $14.50
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
TRST
TrustCo Bank Corp. NY
$44.08 -- $794.7M 13.54x $0.38 3.36% 2.98x
AFBI
Affinity Bancshares, Inc.
$19.90 -- $121.3M 15.33x $1.50 0% 2.42x
COLB
Columbia Banking System, Inc.
$29.04 $32.73 $8.6B 12.84x $0.37 5.03% 2.16x
CPF
Central Pacific Financial Corp.
$32.27 $37.50 $851.1M 11.26x $0.29 3.44% 2.40x
FRAF
Franklin Financial Services Corp. (Pennsylvania)
$52.96 -- $237.3M 11.17x $0.33 2.49% 1.77x
HTBK
Heritage Commerce Corp.
$12.62 $14.50 $774.5M 16.27x $0.13 4.12% 2.89x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
TRST
TrustCo Bank Corp. NY
18.56% 0.719 21% 0.00x
AFBI
Affinity Bancshares, Inc.
29.83% 0.021 43.28% 0.00x
COLB
Columbia Banking System, Inc.
33.83% 0.953 48.54% 0.00x
CPF
Central Pacific Financial Corp.
14.7% 0.824 12.42% 0.00x
FRAF
Franklin Financial Services Corp. (Pennsylvania)
53.3% -0.067 88.91% 0.00x
HTBK
Heritage Commerce Corp.
5.32% 1.038 5.4% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
TRST
TrustCo Bank Corp. NY
-- $21.1M 7.47% 8.9% 61.7% $10M
AFBI
Affinity Bancshares, Inc.
-- $3.1M 4.61% 6.64% 59.26% $3.6M
COLB
Columbia Banking System, Inc.
-- $321M 5.52% 8.76% 54.17% $258M
CPF
Central Pacific Financial Corp.
-- $22.9M 10.7% 13.62% 49.27% $19.8M
FRAF
Franklin Financial Services Corp. (Pennsylvania)
-- $7.5M 5.64% 13.35% 53.08% $9.1M
HTBK
Heritage Commerce Corp.
-- $21.8M 6.28% 6.85% 55.04% $19.1M

TrustCo Bank Corp. NY vs. Competitors

  • Which has Higher Returns TRST or AFBI?

    Affinity Bancshares, Inc. has a net margin of 22.12% compared to TrustCo Bank Corp. NY's net margin of 15.82%. TrustCo Bank Corp. NY's return on equity of 8.9% beat Affinity Bancshares, Inc.'s return on equity of 6.64%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    TrustCo Bank Corp. NY
    -- $0.85 $843M
    AFBI
    Affinity Bancshares, Inc.
    -- $0.34 $181M
  • What do Analysts Say About TRST or AFBI?

    TrustCo Bank Corp. NY has a consensus price target of --, signalling downside risk potential of -41.02%. On the other hand Affinity Bancshares, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that TrustCo Bank Corp. NY has higher upside potential than Affinity Bancshares, Inc., analysts believe TrustCo Bank Corp. NY is more attractive than Affinity Bancshares, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    TrustCo Bank Corp. NY
    0 0 0
    AFBI
    Affinity Bancshares, Inc.
    0 0 0
  • Is TRST or AFBI More Risky?

    TrustCo Bank Corp. NY has a beta of 0.608, which suggesting that the stock is 39.161% less volatile than S&P 500. In comparison Affinity Bancshares, Inc. has a beta of 0.233, suggesting its less volatile than the S&P 500 by 76.678%.

  • Which is a Better Dividend Stock TRST or AFBI?

    TrustCo Bank Corp. NY has a quarterly dividend of $0.38 per share corresponding to a yield of 3.36%. Affinity Bancshares, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $1.50 per share. TrustCo Bank Corp. NY pays 45.54% of its earnings as a dividend. Affinity Bancshares, Inc. pays out -- of its earnings as a dividend. TrustCo Bank Corp. NY's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or AFBI?

    TrustCo Bank Corp. NY quarterly revenues are $70.4M, which are larger than Affinity Bancshares, Inc. quarterly revenues of $13.5M. TrustCo Bank Corp. NY's net income of $15.6M is higher than Affinity Bancshares, Inc.'s net income of $2.1M. Notably, TrustCo Bank Corp. NY's price-to-earnings ratio is 13.54x while Affinity Bancshares, Inc.'s PE ratio is 15.33x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for TrustCo Bank Corp. NY is 2.98x versus 2.42x for Affinity Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    TrustCo Bank Corp. NY
    2.98x 13.54x $70.4M $15.6M
    AFBI
    Affinity Bancshares, Inc.
    2.42x 15.33x $13.5M $2.1M
  • Which has Higher Returns TRST or COLB?

    Columbia Banking System, Inc. has a net margin of 22.12% compared to TrustCo Bank Corp. NY's net margin of 22.6%. TrustCo Bank Corp. NY's return on equity of 8.9% beat Columbia Banking System, Inc.'s return on equity of 8.76%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    TrustCo Bank Corp. NY
    -- $0.85 $843M
    COLB
    Columbia Banking System, Inc.
    -- $0.72 $11.8B
  • What do Analysts Say About TRST or COLB?

    TrustCo Bank Corp. NY has a consensus price target of --, signalling downside risk potential of -41.02%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $32.73 which suggests that it could grow by 12.71%. Given that Columbia Banking System, Inc. has higher upside potential than TrustCo Bank Corp. NY, analysts believe Columbia Banking System, Inc. is more attractive than TrustCo Bank Corp. NY.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    TrustCo Bank Corp. NY
    0 0 0
    COLB
    Columbia Banking System, Inc.
    2 9 0
  • Is TRST or COLB More Risky?

    TrustCo Bank Corp. NY has a beta of 0.608, which suggesting that the stock is 39.161% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.597, suggesting its less volatile than the S&P 500 by 40.35%.

  • Which is a Better Dividend Stock TRST or COLB?

    TrustCo Bank Corp. NY has a quarterly dividend of $0.38 per share corresponding to a yield of 3.36%. Columbia Banking System, Inc. offers a yield of 5.03% to investors and pays a quarterly dividend of $0.37 per share. TrustCo Bank Corp. NY pays 45.54% of its earnings as a dividend. Columbia Banking System, Inc. pays out 63.16% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or COLB?

    TrustCo Bank Corp. NY quarterly revenues are $70.4M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $947M. TrustCo Bank Corp. NY's net income of $15.6M is lower than Columbia Banking System, Inc.'s net income of $214M. Notably, TrustCo Bank Corp. NY's price-to-earnings ratio is 13.54x while Columbia Banking System, Inc.'s PE ratio is 12.84x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for TrustCo Bank Corp. NY is 2.98x versus 2.16x for Columbia Banking System, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    TrustCo Bank Corp. NY
    2.98x 13.54x $70.4M $15.6M
    COLB
    Columbia Banking System, Inc.
    2.16x 12.84x $947M $214M
  • Which has Higher Returns TRST or CPF?

    Central Pacific Financial Corp. has a net margin of 22.12% compared to TrustCo Bank Corp. NY's net margin of 25.04%. TrustCo Bank Corp. NY's return on equity of 8.9% beat Central Pacific Financial Corp.'s return on equity of 13.62%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    TrustCo Bank Corp. NY
    -- $0.85 $843M
    CPF
    Central Pacific Financial Corp.
    -- $0.85 $694.7M
  • What do Analysts Say About TRST or CPF?

    TrustCo Bank Corp. NY has a consensus price target of --, signalling downside risk potential of -41.02%. On the other hand Central Pacific Financial Corp. has an analysts' consensus of $37.50 which suggests that it could grow by 16.21%. Given that Central Pacific Financial Corp. has higher upside potential than TrustCo Bank Corp. NY, analysts believe Central Pacific Financial Corp. is more attractive than TrustCo Bank Corp. NY.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    TrustCo Bank Corp. NY
    0 0 0
    CPF
    Central Pacific Financial Corp.
    0 2 0
  • Is TRST or CPF More Risky?

    TrustCo Bank Corp. NY has a beta of 0.608, which suggesting that the stock is 39.161% less volatile than S&P 500. In comparison Central Pacific Financial Corp. has a beta of 0.950, suggesting its less volatile than the S&P 500 by 5.031%.

  • Which is a Better Dividend Stock TRST or CPF?

    TrustCo Bank Corp. NY has a quarterly dividend of $0.38 per share corresponding to a yield of 3.36%. Central Pacific Financial Corp. offers a yield of 3.44% to investors and pays a quarterly dividend of $0.29 per share. TrustCo Bank Corp. NY pays 45.54% of its earnings as a dividend. Central Pacific Financial Corp. pays out 38.05% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or CPF?

    TrustCo Bank Corp. NY quarterly revenues are $70.4M, which are smaller than Central Pacific Financial Corp. quarterly revenues of $91.3M. TrustCo Bank Corp. NY's net income of $15.6M is lower than Central Pacific Financial Corp.'s net income of $22.9M. Notably, TrustCo Bank Corp. NY's price-to-earnings ratio is 13.54x while Central Pacific Financial Corp.'s PE ratio is 11.26x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for TrustCo Bank Corp. NY is 2.98x versus 2.40x for Central Pacific Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    TrustCo Bank Corp. NY
    2.98x 13.54x $70.4M $15.6M
    CPF
    Central Pacific Financial Corp.
    2.40x 11.26x $91.3M $22.9M
  • Which has Higher Returns TRST or FRAF?

    Franklin Financial Services Corp. (Pennsylvania) has a net margin of 22.12% compared to TrustCo Bank Corp. NY's net margin of 17.91%. TrustCo Bank Corp. NY's return on equity of 8.9% beat Franklin Financial Services Corp. (Pennsylvania)'s return on equity of 13.35%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    TrustCo Bank Corp. NY
    -- $0.85 $843M
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    -- $1.35 $375.2M
  • What do Analysts Say About TRST or FRAF?

    TrustCo Bank Corp. NY has a consensus price target of --, signalling downside risk potential of -41.02%. On the other hand Franklin Financial Services Corp. (Pennsylvania) has an analysts' consensus of -- which suggests that it could fall by --. Given that TrustCo Bank Corp. NY has higher upside potential than Franklin Financial Services Corp. (Pennsylvania), analysts believe TrustCo Bank Corp. NY is more attractive than Franklin Financial Services Corp. (Pennsylvania).

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    TrustCo Bank Corp. NY
    0 0 0
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    0 0 0
  • Is TRST or FRAF More Risky?

    TrustCo Bank Corp. NY has a beta of 0.608, which suggesting that the stock is 39.161% less volatile than S&P 500. In comparison Franklin Financial Services Corp. (Pennsylvania) has a beta of -0.083, suggesting its less volatile than the S&P 500 by 108.256%.

  • Which is a Better Dividend Stock TRST or FRAF?

    TrustCo Bank Corp. NY has a quarterly dividend of $0.38 per share corresponding to a yield of 3.36%. Franklin Financial Services Corp. (Pennsylvania) offers a yield of 2.49% to investors and pays a quarterly dividend of $0.33 per share. TrustCo Bank Corp. NY pays 45.54% of its earnings as a dividend. Franklin Financial Services Corp. (Pennsylvania) pays out 27.64% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or FRAF?

    TrustCo Bank Corp. NY quarterly revenues are $70.4M, which are larger than Franklin Financial Services Corp. (Pennsylvania) quarterly revenues of $33.7M. TrustCo Bank Corp. NY's net income of $15.6M is higher than Franklin Financial Services Corp. (Pennsylvania)'s net income of $6M. Notably, TrustCo Bank Corp. NY's price-to-earnings ratio is 13.54x while Franklin Financial Services Corp. (Pennsylvania)'s PE ratio is 11.17x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for TrustCo Bank Corp. NY is 2.98x versus 1.77x for Franklin Financial Services Corp. (Pennsylvania). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    TrustCo Bank Corp. NY
    2.98x 13.54x $70.4M $15.6M
    FRAF
    Franklin Financial Services Corp. (Pennsylvania)
    1.77x 11.17x $33.7M $6M
  • Which has Higher Returns TRST or HTBK?

    Heritage Commerce Corp. has a net margin of 22.12% compared to TrustCo Bank Corp. NY's net margin of 21.56%. TrustCo Bank Corp. NY's return on equity of 8.9% beat Heritage Commerce Corp.'s return on equity of 6.85%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    TrustCo Bank Corp. NY
    -- $0.85 $843M
    HTBK
    Heritage Commerce Corp.
    -- $0.25 $748.4M
  • What do Analysts Say About TRST or HTBK?

    TrustCo Bank Corp. NY has a consensus price target of --, signalling downside risk potential of -41.02%. On the other hand Heritage Commerce Corp. has an analysts' consensus of $14.50 which suggests that it could grow by 14.9%. Given that Heritage Commerce Corp. has higher upside potential than TrustCo Bank Corp. NY, analysts believe Heritage Commerce Corp. is more attractive than TrustCo Bank Corp. NY.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    TrustCo Bank Corp. NY
    0 0 0
    HTBK
    Heritage Commerce Corp.
    0 4 0
  • Is TRST or HTBK More Risky?

    TrustCo Bank Corp. NY has a beta of 0.608, which suggesting that the stock is 39.161% less volatile than S&P 500. In comparison Heritage Commerce Corp. has a beta of 0.790, suggesting its less volatile than the S&P 500 by 20.982%.

  • Which is a Better Dividend Stock TRST or HTBK?

    TrustCo Bank Corp. NY has a quarterly dividend of $0.38 per share corresponding to a yield of 3.36%. Heritage Commerce Corp. offers a yield of 4.12% to investors and pays a quarterly dividend of $0.13 per share. TrustCo Bank Corp. NY pays 45.54% of its earnings as a dividend. Heritage Commerce Corp. pays out 67.08% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or HTBK?

    TrustCo Bank Corp. NY quarterly revenues are $70.4M, which are larger than Heritage Commerce Corp. quarterly revenues of $70.1M. TrustCo Bank Corp. NY's net income of $15.6M is higher than Heritage Commerce Corp.'s net income of $15.1M. Notably, TrustCo Bank Corp. NY's price-to-earnings ratio is 13.54x while Heritage Commerce Corp.'s PE ratio is 16.27x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for TrustCo Bank Corp. NY is 2.98x versus 2.89x for Heritage Commerce Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    TrustCo Bank Corp. NY
    2.98x 13.54x $70.4M $15.6M
    HTBK
    Heritage Commerce Corp.
    2.89x 16.27x $70.1M $15.1M

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