NASDAQ: TRSTTrustco Bank Corp N Y Stock
$25.96+0.05 (+0.19%)
Updated Apr 18, 2024
TRST Price
$25.96
Fair Value Price
$28.91
Market Cap
$493.87M
52 Week Low
$23.78
52 Week High
$32.10
P/E
8.43x
P/B
0.77x
P/S
3.13x
PEG
N/A
Dividend Yield
5.55%
Revenue
$188.91M
Earnings
$58.65M
Gross Margin
100%
Operating Margin
41.08%
Profit Margin
31%
Debt to Equity
8.56
Operating Cash Flow
$64M
Beta
0.96
Next Earnings
Apr 23, 2024
Ex-Dividend
N/A
Next Dividend
N/A
TRST Overview
TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. As of December 31, 2021, it operated through 147 banking offices and 163 automatic teller machines in New York, New Jersey, Vermont, Massachusetts, and Florida. The company was founded in 1902 and is headquartered in Glenville, New York.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
TRST ($25.96) is undervalued by 10.21% relative to our estimate of its Fair Value price of $28.91 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
TRST ($25.96) is not significantly undervalued (10.21%) relative to our estimate of its Fair Value price of $28.91 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
TRST was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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TRST News
Valuation
TRST fair value
Fair Value of TRST stock based on Discounted Cash Flow (DCF)
Price
$25.96
Fair Value
$28.91
Undervalued by
10.21%
TRST ($25.96) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
TRST ($25.96) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
TRST was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
TRST price to earnings (PE)
For valuing profitable companies with steady earnings
Company
8.43x
Industry
-10.84x
Market
41.33x
TRST is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
TRST is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
TRST price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.77x
Industry
0.95x
TRST is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
TRST's financial health
Profit margin
Revenue
$41.7M
Net Income
$9.8M
Profit Margin
23.6%
TRST's Earnings (EBIT) of $77.61M... subscribe to Premium to read more.
Interest Coverage Financials
TRST's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$6.2B
Liabilities
$5.5B
Debt to equity
8.56
TRST's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
TRST's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$17.8M
Investing
-$42.5M
Financing
$95.4M
TRST's operating cash flow ($64.13M)... subscribe to Premium to read more.
Debt Coverage Financials
TRST vs Bank Stocks
Trustco Bank N Y Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.