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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.22
TRST's Cash to Debt is ranked lower than
83% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. TRST: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
TRST' s Cash to Debt Range Over the Past 10 Years
Min: 0.18  Med: 0.44 Max: 4.82
Current: 0.22
0.18
4.82
Equity to Asset 0.09
TRST's Equity to Asset is ranked lower than
62% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TRST: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
TRST' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 4.12
TRST's Interest Coverage is ranked higher than
75% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. TRST: 4.12 )
Ranked among companies with meaningful Interest Coverage only.
TRST' s Interest Coverage Range Over the Past 10 Years
Min: 0.62  Med: 1.61 Max: 4.62
Current: 4.12
0.62
4.62
F-Score: 4
WACC vs ROIC
9.36%
7.70%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 41.46
TRST's Operating margin (%) is ranked higher than
73% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. TRST: 41.46 )
Ranked among companies with meaningful Operating margin (%) only.
TRST' s Operating margin (%) Range Over the Past 10 Years
Min: 29.67  Med: 42.24 Max: 69.21
Current: 41.46
29.67
69.21
Net-margin (%) 26.23
TRST's Net-margin (%) is ranked higher than
63% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. TRST: 26.23 )
Ranked among companies with meaningful Net-margin (%) only.
TRST' s Net-margin (%) Range Over the Past 10 Years
Min: 19.81  Med: 26.50 Max: 45.44
Current: 26.23
19.81
45.44
ROE (%) 10.44
TRST's ROE (%) is ranked higher than
68% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. TRST: 10.44 )
Ranked among companies with meaningful ROE (%) only.
TRST' s ROE (%) Range Over the Past 10 Years
Min: 10.77  Med: 11.70 Max: 25.96
Current: 10.44
10.77
25.96
ROA (%) 0.90
TRST's ROA (%) is ranked higher than
54% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. TRST: 0.90 )
Ranked among companies with meaningful ROA (%) only.
TRST' s ROA (%) Range Over the Past 10 Years
Min: 0.77  Med: 0.93 Max: 2.04
Current: 0.9
0.77
2.04
Revenue Growth (3Y)(%) -1.90
TRST's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TRST: -1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TRST' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.3  Med: 0.20 Max: 8.1
Current: -1.9
-5.3
8.1
EBITDA Growth (3Y)(%) 6.50
TRST's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TRST: 6.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TRST' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.7  Med: 0.85 Max: 10.2
Current: 6.5
-16.7
10.2
EPS Growth (3Y)(%) 6.20
TRST's EPS Growth (3Y)(%) is ranked lower than
54% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TRST: 6.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TRST' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.8  Med: 1.35 Max: 9.2
Current: 6.2
-16.8
9.2
» TRST's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

TRST Guru Trades in Q1 2015

Jim Simons 270,200 sh (+96.65%)
Columbia Wanger 5,261,700 sh (+36.25%)
Chuck Royce 9,140,289 sh (-0.30%)
» More
Q2 2015

TRST Guru Trades in Q2 2015

Jim Simons 375,500 sh (+38.97%)
Columbia Wanger 5,626,885 sh (+6.94%)
Chuck Royce 9,140,289 sh (unchged)
» More
Q3 2015

TRST Guru Trades in Q3 2015

Jim Simons 493,100 sh (+31.32%)
Chuck Royce 9,069,589 sh (-0.77%)
Columbia Wanger 4,278,526 sh (-23.96%)
» More
Q4 2015

TRST Guru Trades in Q4 2015

Jim Simons 612,100 sh (+24.13%)
Columbia Wanger Sold Out
Chuck Royce 8,879,589 sh (-2.09%)
» More
» Details

Insider Trades

Latest Guru Trades with TRST

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.09
TRST's P/E(ttm) is ranked lower than
54% of the 2083 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. TRST: 12.09 )
Ranked among companies with meaningful P/E(ttm) only.
TRST' s P/E(ttm) Range Over the Past 10 Years
Min: 10.03  Med: 15.47 Max: 28.31
Current: 12.09
10.03
28.31
Forward P/E 14.33
TRST's Forward P/E is ranked lower than
89% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.52 vs. TRST: 14.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.27
TRST's PE(NRI) is ranked lower than
51% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.30 vs. TRST: 12.27 )
Ranked among companies with meaningful PE(NRI) only.
TRST' s PE(NRI) Range Over the Past 10 Years
Min: 9.88  Med: 15.46 Max: 28.19
Current: 12.27
9.88
28.19
P/B 1.27
TRST's P/B is ranked lower than
72% of the 2114 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. TRST: 1.27 )
Ranked among companies with meaningful P/B only.
TRST' s P/B Range Over the Past 10 Years
Min: 1.14  Med: 1.82 Max: 4.4
Current: 1.27
1.14
4.4
P/S 3.18
TRST's P/S is ranked lower than
65% of the 2513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. TRST: 3.18 )
Ranked among companies with meaningful P/S only.
TRST' s P/S Range Over the Past 10 Years
Min: 2.03  Med: 3.96 Max: 8.77
Current: 3.18
2.03
8.77
PFCF 9.45
TRST's PFCF is ranked lower than
57% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. TRST: 9.45 )
Ranked among companies with meaningful PFCF only.
TRST' s PFCF Range Over the Past 10 Years
Min: 2.01  Med: 10.63 Max: 27.21
Current: 9.45
2.01
27.21
POCF 8.98
TRST's POCF is ranked lower than
61% of the 1445 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.26 vs. TRST: 8.98 )
Ranked among companies with meaningful POCF only.
TRST' s POCF Range Over the Past 10 Years
Min: 0.84  Med: 9.69 Max: 23.33
Current: 8.98
0.84
23.33
EV-to-EBIT 9.73
TRST's EV-to-EBIT is ranked higher than
65% of the 2044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. TRST: 9.73 )
Ranked among companies with meaningful EV-to-EBIT only.
TRST' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.7  Med: 11.40 Max: 20.1
Current: 9.73
8.7
20.1
EV-to-EBITDA 9.11
TRST's EV-to-EBITDA is ranked higher than
64% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. TRST: 9.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
TRST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.8  Med: 10.70 Max: 18.8
Current: 9.11
7.8
18.8
PEG 2.34
TRST's PEG is ranked lower than
80% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. TRST: 2.34 )
Ranked among companies with meaningful PEG only.
TRST' s PEG Range Over the Past 10 Years
Min: 2.14  Med: 3.32 Max: 16.12
Current: 2.34
2.14
16.12
Shiller P/E 11.00
TRST's Shiller P/E is ranked higher than
76% of the 557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. TRST: 11.00 )
Ranked among companies with meaningful Shiller P/E only.
TRST' s Shiller P/E Range Over the Past 10 Years
Min: 6.08  Med: 11.21 Max: 18.13
Current: 11
6.08
18.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.87
TRST's Dividend Yield is ranked higher than
75% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. TRST: 4.87 )
Ranked among companies with meaningful Dividend Yield only.
TRST' s Dividend Yield Range Over the Past 10 Years
Min: 3.47  Med: 4.80 Max: 8.92
Current: 4.87
3.47
8.92
Dividend Payout 0.58
TRST's Dividend Payout is ranked lower than
80% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. TRST: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
TRST' s Dividend Payout Range Over the Past 10 Years
Min: 0.3  Med: 0.74 Max: 15.14
Current: 0.58
0.3
15.14
Forward Dividend Yield 4.81
TRST's Forward Dividend Yield is ranked higher than
74% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. TRST: 4.81 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.45
TRST's Yield on cost (5-Year) is ranked higher than
62% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. TRST: 4.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TRST' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.2  Med: 4.42 Max: 8.23
Current: 4.45
3.2
8.23
3-Year Average Share Buyback Ratio -3.70
TRST's 3-Year Average Share Buyback Ratio is ranked lower than
60% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. TRST: -3.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TRST' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -10.2  Med: -0.80 Max: 0.1
Current: -3.7
-10.2
0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
TRST's Price/Tangible Book is ranked lower than
64% of the 1932 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TRST: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
TRST' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.23  Med: 3.42 Max: 4.89
Current: 1.26
1.23
4.89
Price/Projected FCF 0.74
TRST's Price/Projected FCF is ranked lower than
62% of the 1071 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. TRST: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
TRST' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.46  Med: 1.14 Max: 1.75
Current: 0.74
0.46
1.75
Price/Median PS Value 0.81
TRST's Price/Median PS Value is ranked higher than
69% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. TRST: 0.81 )
Ranked among companies with meaningful Price/Median PS Value only.
TRST' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.17  Med: 1.47 Max: 2.02
Current: 0.81
0.17
2.02
Price/Peter Lynch Fair Value 2.41
TRST's Price/Peter Lynch Fair Value is ranked lower than
96% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. TRST: 2.41 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TRST' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.59  Med: 2.37 Max: 3.93
Current: 2.41
0.59
3.93
Price/Graham Number 0.83
TRST's Price/Graham Number is ranked lower than
53% of the 1720 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. TRST: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
TRST' s Price/Graham Number Range Over the Past 10 Years
Min: 0.79  Med: 1.61 Max: 2.07
Current: 0.83
0.79
2.07
Earnings Yield (Greenblatt) (%) 10.25
TRST's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. TRST: 10.25 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TRST' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5  Med: 8.70 Max: 11.5
Current: 10.25
5
11.5
Forward Rate of Return (Yacktman) (%) 15.19
TRST's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. TRST: 15.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TRST' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.9  Med: 9.00 Max: 15.6
Current: 15.19
-2.9
15.6

More Statistics

Revenue(Mil) $161
EPS $ 0.45
Beta1.24
Short Percentage of Float2.19%
52-Week Range $5.17 - 7.20
Shares Outstanding(Mil)95.26

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Trustco Bank Corp N Y is a New York Corporation incorporated in 1981. The Bank is a holding company for its wholly owned subsidiary, Trustco Bank, N.A. Trustco Bank is a federal savings bank engaged in providing banking services to individuals, partnerships, and corporations. The Bank operates 148 automatic teller machines and 139 banking offices in Albany, Columbia, Dutchess, Greene, Orange, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington and Westchester counties of New York, Brevard, Charlotte, Hillsborough, Lake, Manatee, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida, Bennington County in Vermont, Berkshire County in Massachusetts and Bergen County in New Jersey. The Bank provides both personal and business banking services. The Bank's subsidiary, Trustco Realty Corp., is a real estate investment trust that was formed to acquire, hold and manage real estate mortgage assets, including residential mortgage loans and mortgage backed securities. Its deposits are insured by the Federal Deposit Insurance Corporation to the extent permitted by law. The Bank's direct competition for deposits comes from commercial banks, savings associations, and credit unions that are located or have branches in the Bank's market areas. The competition ranges from other locally based commercial banks, savings banks and credit unions to branch offices of the largest financial institutions in the United States. As a savings and loan holding company, TrustCo and its non-bank subsidiaries are supervised and regulated by the Board of Governors of the Federal Reserve System.
» More Articles for TRST

Headlines

Articles On GuruFocus.com
Royce Deals in His Top 20 Holdings in Fourth Quarter Feb 11 2015 
Insider Buys at 52-Week Lows May 04 2013 
Weekly Top CFO Buys: TRST, SIBC, DLIA, MEI, JCS Jul 18 2011 
Weekly CFO Buys: TRST, SIBC, KOG, DLIA Jul 11 2011 
Weekly CEO Buys Highlight: Teledyne Technologies Inc, TrustCo Bank Corp, Kingold Jewelry Inc, Americ Jul 09 2011 
President & CEO of TrustCo Bank Corp. Increases Position in the Company Jul 07 2011 
TrustCo Bank Corp NY Reports Operating Results (10-K) Mar 01 2011 
TrustCo Bank Corp NY Reports Operating Results (10-Q) Nov 05 2010 
TrustCo Bank Corp NY Reports Operating Results (10-Q) Aug 09 2010 
TrustCo Bank Corp NY (TRST) CEO Robert J Mccormick buys 8,463 Shares Feb 03 2010 

More From Other Websites
TRUSTCO BANK CORP N Y Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 25 2016
TrustCo Announces the Addition of Brian C. Flynn to the Board of Directors Jan 25 2016
TrustCo Announces the Addition of Brian C. Flynn to the Board of Directors Jan 25 2016
TrustCo Bank Corp. NY Earnings Analysis: Q4, 2015 By the Numbers Jan 25 2016
Edited Transcript of TRST earnings conference call or presentation 22-Jan-16 2:00pm GMT Jan 22 2016
TrustCo Bank reports solid 2015, despite millions in added costs from regulatory concerns Jan 22 2016
TrustCo posts 4Q profit Jan 21 2016
TrustCo posts 4Q profit Jan 21 2016
TrustCo Announces Solid Fourth Quarter 2015 Earnings; Full Year Core Earnings Rise Jan 21 2016
TRUSTCO BANK CORP N Y Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 21 2016
TrustCo Announces Solid Fourth Quarter 2015 Earnings; Full Year Core Earnings Rise Jan 21 2016
Q4 2015 TrustCo Bank Corp N Y Earnings Release - After Market Close Jan 21 2016
TRUSTCO BANK CORP N Y Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 15 2016
TrustCo to Release Fourth Quarter 2015 Results on January 21, 2016; Conference Call on January 22,... Jan 14 2016
TrustCo to Release Fourth Quarter 2015 Results on January 21, 2016; Conference Call on January 22,... Jan 14 2016
TrustCo Bank Corp. NY breached its 50 day moving average in a Bullish Manner : December 25, 2015 Dec 25 2015
Factors Moving Markets -- Research Reports on Spartan Motors, TRUSTCO BANK, PCTEL and Richardson... Dec 23 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Other Events Dec 15 2015
TRUSTCO BANK CORP N Y Financials Dec 08 2015
TrustCo Bank Corp. NY breached its 50 day moving average in a Bearish Manner : December 8, 2015 Dec 08 2015

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