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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
80% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. TRST: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
TRST' s 10-Year Cash to Debt Range
Min: 0.18  Med: 0.45 Max: 5.11
Current: 0.22
0.18
5.11
Equity to Asset 0.09
TRST's Equity to Asset is ranked lower than
62% of the 1355 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 4.62
TRST's Interest Coverage is ranked higher than
78% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TRST: 4.62 )
Ranked among companies with meaningful Interest Coverage only.
TRST' s 10-Year Interest Coverage Range
Min: 0.48  Med: 0.93 Max: 4.62
Current: 4.62
0.48
4.62
F-Score: 4
WACC vs ROIC
10.10%
8.02%
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 (%) 42.74
TRST's Operating margin (%) is ranked higher than
76% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. TRST: 42.74 )
Ranked among companies with meaningful Operating margin (%) only.
TRST' s 10-Year Operating margin (%) Range
Min: 30.06  Med: 50.11 Max: 67.97
Current: 42.74
30.06
67.97
Net-margin (%) 26.61
TRST's Net-margin (%) is ranked higher than
65% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. TRST: 26.61 )
Ranked among companies with meaningful Net-margin (%) only.
TRST' s 10-Year Net-margin (%) Range
Min: 20.07  Med: 31.91 Max: 44.63
Current: 26.61
20.07
44.63
ROE (%) 10.87
TRST's ROE (%) is ranked higher than
66% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. TRST: 10.87 )
Ranked among companies with meaningful ROE (%) only.
TRST' s 10-Year ROE (%) Range
Min: 10.77  Med: 18.87 Max: 25.96
Current: 10.87
10.77
25.96
ROA (%) 0.92
TRST's ROA (%) is ranked higher than
54% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TRST: 0.92 )
Ranked among companies with meaningful ROA (%) only.
TRST' s 10-Year ROA (%) Range
Min: 0.77  Med: 1.39 Max: 2.04
Current: 0.92
0.77
2.04
Revenue Growth (3Y)(%) -1.30
TRST's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TRST: -1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TRST' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.3  Med: 2.00 Max: 7.7
Current: -1.3
-5.3
7.7
EBITDA Growth (3Y)(%) 6.50
TRST's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TRST: 6.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TRST' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -16.7  Med: 3.60 Max: 10.2
Current: 6.5
-16.7
10.2
EPS Growth (3Y)(%) 6.40
TRST's EPS Growth (3Y)(%) is ranked lower than
60% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. TRST: 6.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TRST' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.8  Med: 2.60 Max: 11.1
Current: 6.4
-16.8
11.1
» TRST's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

TRST Guru Trades in Q3 2014

Jim Simons 82,500 sh (+55.95%)
Chuck Royce 9,167,482 sh (unchged)
Columbia Wanger 3,915,900 sh (-1.01%)
» More
Q4 2014

TRST Guru Trades in Q4 2014

Jim Simons 137,400 sh (+66.55%)
Chuck Royce 9,167,482 sh (unchged)
Chuck Royce 9,167,482 sh (unchged)
Columbia Wanger 3,861,700 sh (-1.38%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 13.06
TRST's P/E(ttm) is ranked higher than
51% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. TRST: 13.06 )
Ranked among companies with meaningful P/E(ttm) only.
TRST' s 10-Year P/E(ttm) Range
Min: 10  Med: 15.63 Max: 28.37
Current: 13.06
10
28.37
Forward P/E 14.33
TRST's Forward P/E is ranked lower than
76% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. TRST: 14.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.40
TRST's PE(NRI) is ranked lower than
51% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TRST: 13.40 )
Ranked among companies with meaningful PE(NRI) only.
TRST' s 10-Year PE(NRI) Range
Min: 9.88  Med: 15.73 Max: 28.19
Current: 13.4
9.88
28.19
P/B 1.39
TRST's P/B is ranked lower than
74% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TRST: 1.39 )
Ranked among companies with meaningful P/B only.
TRST' s 10-Year P/B Range
Min: 1.14  Med: 1.88 Max: 4.65
Current: 1.39
1.14
4.65
P/S 3.49
TRST's P/S is ranked lower than
63% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. TRST: 3.49 )
Ranked among companies with meaningful P/S only.
TRST' s 10-Year P/S Range
Min: 2.03  Med: 4.02 Max: 8.77
Current: 3.49
2.03
8.77
PFCF 11.84
TRST's PFCF is ranked lower than
57% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. TRST: 11.84 )
Ranked among companies with meaningful PFCF only.
TRST' s 10-Year PFCF Range
Min: 2  Med: 11.33 Max: 42.55
Current: 11.84
2
42.55
POCF 10.77
TRST's POCF is ranked lower than
59% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. TRST: 10.77 )
Ranked among companies with meaningful POCF only.
TRST' s 10-Year POCF Range
Min: 0.84  Med: 9.94 Max: 37.95
Current: 10.77
0.84
37.95
EV-to-EBIT 10.12
TRST's EV-to-EBIT is ranked higher than
68% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. TRST: 10.12 )
Ranked among companies with meaningful EV-to-EBIT only.
TRST' s 10-Year EV-to-EBIT Range
Min: 8.7  Med: 11.60 Max: 20.1
Current: 10.12
8.7
20.1
PEG 2.53
TRST's PEG is ranked lower than
80% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TRST: 2.53 )
Ranked among companies with meaningful PEG only.
TRST' s 10-Year PEG Range
Min: 2.06  Med: 3.31 Max: 24.16
Current: 2.53
2.06
24.16
Shiller P/E 13.60
TRST's Shiller P/E is ranked higher than
64% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. TRST: 13.60 )
Ranked among companies with meaningful Shiller P/E only.
TRST' s 10-Year Shiller P/E Range
Min: 7.47  Med: 13.37 Max: 20.14
Current: 13.6
7.47
20.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.43
TRST's Dividend Yield is ranked higher than
77% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. TRST: 4.43 )
Ranked among companies with meaningful Dividend Yield only.
TRST' s 10-Year Dividend Yield Range
Min: 3.47  Med: 4.80 Max: 8.92
Current: 4.43
3.47
8.92
Dividend Payout 0.58
TRST's Dividend Payout is ranked lower than
80% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TRST: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
TRST' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.73 Max: 1.48
Current: 0.58
0.06
1.48
Yield on cost (5-Year) 4.09
TRST's Yield on cost (5-Year) is ranked higher than
63% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. TRST: 4.09 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TRST' s 10-Year Yield on cost (5-Year) Range
Min: 3.2  Med: 4.43 Max: 8.23
Current: 4.09
3.2
8.23
Share Buyback Rate -3.70
TRST's Share Buyback Rate is ranked lower than
59% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. TRST: -3.70 )
Ranked among companies with meaningful Share Buyback Rate only.
TRST' s 10-Year Share Buyback Rate Range
Min: 0.1  Med: -0.80 Max: -10.2
Current: -3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
TRST's Price/Tangible Book is ranked lower than
65% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TRST: 1.40 )
Ranked among companies with meaningful Price/Tangible Book only.
TRST' s 10-Year Price/Tangible Book Range
Min: 0.12  Med: 3.42 Max: 4.89
Current: 1.4
0.12
4.89
Price/Projected FCF 0.92
TRST's Price/Projected FCF is ranked lower than
73% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. TRST: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
TRST' s 10-Year Price/Projected FCF Range
Min: 0.46  Med: 1.16 Max: 1.75
Current: 0.92
0.46
1.75
Price/Median PS Value 0.87
TRST's Price/Median PS Value is ranked higher than
77% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TRST: 0.87 )
Ranked among companies with meaningful Price/Median PS Value only.
TRST' s 10-Year Price/Median PS Value Range
Min: 0.17  Med: 1.42 Max: 1.98
Current: 0.87
0.17
1.98
Price/Peter Lynch Fair Value 2.68
TRST's Price/Peter Lynch Fair Value is ranked lower than
97% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. TRST: 2.68 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TRST' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.59  Med: 2.33 Max: 3.93
Current: 2.68
0.59
3.93
Price/Graham Number 0.90
TRST's Price/Graham Number is ranked lower than
58% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. TRST: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
TRST' s 10-Year Price/Graham Number Range
Min: 0.06  Med: 1.61 Max: 2.38
Current: 0.9
0.06
2.38
Earnings Yield (Greenblatt) (%) 9.86
TRST's Earnings Yield (Greenblatt) (%) is ranked higher than
71% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. TRST: 9.86 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TRST' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5  Med: 8.60 Max: 11.5
Current: 9.86
5
11.5
Forward Rate of Return (Yacktman) (%) 14.83
TRST's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. TRST: 14.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TRST' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.3  Med: 9.05 Max: 14.8
Current: 14.83
-3.3
14.8

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 
comment on TRST May 03 2013 
Insider Buys at 52-Week Lows May 04 2013 
comment on TRST Feb 06 2013 
insiders Shares of Oct 10 2011 
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 

More From Other Websites
TrustCo Declares Cash Dividend Aug 18 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 18 2015
TrustCo Declares Cash Dividend Aug 18 2015
TRUSTCO BANK CORP N Y Financials Aug 18 2015
EverBank Financial Corp. Earnings Q2*, 2015 Aug 13 2015
TRUSTCO BANK CORP N Y Files SEC form 10-Q, Quarterly Report Aug 07 2015
TrustCo Bank adjusts business plan after federal investigation Jul 23 2015
TrustCo Bank Corp NY downgraded by Keefe Bruyette Jul 23 2015
Edited Transcript of TRST earnings conference call or presentation 22-Jul-15 1:00pm GMT Jul 22 2015
TrustCo posts 2Q profit Jul 21 2015
TrustCo posts 2Q profit Jul 21 2015
TrustCo Announces Second Quarter 2015 Earnings; Core Net Income Up 5% Jul 21 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 21 2015
TrustCo Announces Second Quarter 2015 Earnings; Core Net Income Up 5% Jul 21 2015
Q2 2015 TrustCo Bank Corp N Y Earnings Release - After Market Close Jul 21 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 17 2015
TrustCo to Release Second Quarter 2015 Results on July 21, 2015; Conference Call on July 22, 2015 Jul 13 2015
TrustCo to Release Second Quarter 2015 Results on July 21, 2015; Conference Call on July 22, 2015 Jul 13 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Change in Directors or Principal Officers, Other Events,... May 21 2015

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