TrustCo Bank Corp NY Fundamental Analysis (NASDAQ: TRST)
TrustCo Bank Corp NY Fundamental Analysis (NASDAQ: TRST)
TrustCo Bank Corp NY (NASDAQ: TRST) shows moderate financial fundamentals with a PE ratio of 15.67, profit margin of 26.95%, and ROE of 9.62%. The company generates $0.2B in annual revenue with moderate year-over-year growth of 5.77%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 55.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze TRST's fundamental strength across five key dimensions:
Efficiency Score
WeakTRST struggles to generate sufficient returns from assets.
Valuation Score
ExcellentTRST trades at attractive valuation levels.
Growth Score
ExcellentTRST delivers strong and consistent growth momentum.
Financial Health Score
ModerateTRST shows balanced financial health with some risks.
Profitability Score
ModerateTRST maintains healthy but balanced margins.
Key Financial Metrics
Is TRST Expensive or Cheap?
P/E Ratio
TRST trades at 15.67 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, TRST's PEG of 0.56 indicates potential undervaluation.
Price to Book
The market values TrustCo Bank Corp NY at 1.51 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 17.72 times EBITDA. This signals the market has high growth expectations.
How Well Does TRST Make Money?
Net Profit Margin
For every $100 in sales, TrustCo Bank Corp NY keeps $26.95 as profit after all expenses.
Operating Margin
Core operations generate 17.71 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.62 in profit for every $100 of shareholder equity.
ROA
TrustCo Bank Corp NY generates $1.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
TrustCo Bank Corp NY generates strong operating cash flow of $67.00M, reflecting robust business health.
Free Cash Flow
TrustCo Bank Corp NY generates strong free cash flow of $61.96M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.64 in free cash annually.
FCF Yield
TRST converts 6.65% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.67
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.56
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.51
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.98
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.41
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How TRST Stacks Against Its Sector Peers
| Metric | TRST Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.67 | 20.75 | Better (Cheaper) |
| ROE | 9.62% | 644.00% | Weak |
| Net Margin | 26.95% | -1529.00% (disorted) | Strong |
| Debt/Equity | 0.22 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 0.41 | 830.27 | Weak Liquidity |
| ROA | 1.00% | -577.00% (disorted) | Weak |
TRST outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews TrustCo Bank Corp NY's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
50.40%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
23.10%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-2.12%
Industry Style: Value, Dividend, Cyclical
Declining