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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 0.23
TRST's Cash to Debt is ranked higher than
56% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. TRST: 0.23 )
TRST' s 10-Year Cash to Debt Range
Min: 0.23   Max: 5.11
Current: 0.23

0.23
5.11
Equity to Asset 0.09
TRST's Equity to Asset is ranked higher than
63% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TRST: 0.09 )
TRST' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.09
Current: 0.09

0.07
0.09
Interest Coverage 4.62
TRST's Interest Coverage is ranked higher than
88% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. TRST: 4.62 )
TRST' s 10-Year Interest Coverage Range
Min: 0.48   Max: 4.62
Current: 4.62

0.48
4.62
F-Score: 5
Z-Score: 0.24
WACC vs ROIC
10.31%
8.27%
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 (%) 43.93
TRST's Operating margin (%) is ranked higher than
89% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. TRST: 43.93 )
TRST' s 10-Year Operating margin (%) Range
Min: 30.06   Max: 69.21
Current: 43.93

30.06
69.21
Net-margin (%) 27.31
TRST's Net-margin (%) is ranked higher than
82% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. TRST: 27.31 )
TRST' s 10-Year Net-margin (%) Range
Min: 20.07   Max: 45.44
Current: 27.31

20.07
45.44
ROE (%) 11.31
TRST's ROE (%) is ranked higher than
84% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. TRST: 11.31 )
TRST' s 10-Year ROE (%) Range
Min: 10.77   Max: 25.96
Current: 11.31

10.77
25.96
ROA (%) 0.95
TRST's ROA (%) is ranked higher than
78% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. TRST: 0.95 )
TRST' s 10-Year ROA (%) Range
Min: 0.77   Max: 2.04
Current: 0.95

0.77
2.04
ROC (Joel Greenblatt) (%) 39.17
TRST's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. TRST: 39.17 )
TRST' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 38.05   Max: 310.81
Current: 39.17

38.05
310.81
Revenue Growth (3Y)(%) -1.30
TRST's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TRST: -1.30 )
TRST' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.3   Max: 7.7
Current: -1.3

-5.3
7.7
EBITDA Growth (3Y)(%) 6.50
TRST's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. TRST: 6.50 )
TRST' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -16.7   Max: 10.2
Current: 6.5

-16.7
10.2
EPS Growth (3Y)(%) 6.40
TRST's EPS Growth (3Y)(%) is ranked higher than
70% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. TRST: 6.40 )
TRST' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.8   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

Q1 2014

TRST Guru Trades in Q1 2014

Chuck Royce 8,486,034 sh (+8.36%)
Paul Tudor Jones Sold Out
Columbia Wanger 4,042,700 sh (-0.79%)
» More
Q2 2014

TRST Guru Trades in Q2 2014

Jim Simons 52,900 sh (New)
Chuck Royce 9,167,682 sh (+8.03%)
Columbia Wanger 3,955,700 sh (-2.15%)
» More
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
» 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) 14.30
TRST's P/E(ttm) is ranked higher than
77% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. TRST: 14.30 )
TRST' s 10-Year P/E(ttm) Range
Min: 10   Max: 28.37
Current: 14.3

10
28.37
Forward P/E 14.10
TRST's Forward P/E is ranked higher than
71% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TRST: 14.10 )
N/A
PE(NRI) 14.60
TRST's PE(NRI) is ranked higher than
80% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. TRST: 14.60 )
TRST' s 10-Year PE(NRI) Range
Min: 9.88   Max: 28.19
Current: 14.6

9.88
28.19
P/B 1.60
TRST's P/B is ranked higher than
61% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. TRST: 1.60 )
TRST' s 10-Year P/B Range
Min: 1.14   Max: 4.66
Current: 1.6

1.14
4.66
P/S 3.93
TRST's P/S is ranked higher than
55% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. TRST: 3.93 )
TRST' s 10-Year P/S Range
Min: 2.06   Max: 8.77
Current: 3.93

2.06
8.77
PFCF 15.60
TRST's PFCF is ranked higher than
77% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TRST: 15.60 )
TRST' s 10-Year PFCF Range
Min: 1.87   Max: 42.55
Current: 15.6

1.87
42.55
POCF 12.94
TRST's POCF is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. TRST: 12.94 )
TRST' s 10-Year POCF Range
Min: 0.84   Max: 37.95
Current: 12.94

0.84
37.95
EV-to-EBIT 10.96
TRST's EV-to-EBIT is ranked higher than
86% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. TRST: 10.96 )
TRST' s 10-Year EV-to-EBIT Range
Min: 8.7   Max: 20.1
Current: 10.96

8.7
20.1
PEG 2.75
TRST's PEG is ranked higher than
87% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TRST: 2.75 )
TRST' s 10-Year PEG Range
Min: 2.06   Max: 24.16
Current: 2.75

2.06
24.16
Shiller P/E 16.00
TRST's Shiller P/E is ranked higher than
88% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TRST: 16.00 )
TRST' s 10-Year Shiller P/E Range
Min: 7.36   Max: 20.14
Current: 16

7.36
20.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.92
TRST's Dividend Yield is ranked higher than
78% of the 2176 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. TRST: 3.92 )
TRST' s 10-Year Dividend Yield Range
Min: 3.47   Max: 8.92
Current: 3.92

3.47
8.92
Dividend Payout 0.56
TRST's Dividend Payout is ranked higher than
68% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. TRST: 0.56 )
TRST' s 10-Year Dividend Payout Range
Min: 0.48   Max: 1.22
Current: 0.56

0.48
1.22
Yield on cost (5-Year) 3.60
TRST's Yield on cost (5-Year) is ranked higher than
65% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. TRST: 3.60 )
TRST' s 10-Year Yield on cost (5-Year) Range
Min: 3.2   Max: 8.23
Current: 3.6

3.2
8.23
Share Buyback Rate -3.70
TRST's Share Buyback Rate is ranked higher than
66% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. TRST: -3.70 )
TRST' s 10-Year Share Buyback Rate Range
Min: 0.1   Max: -10.2
Current: -3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
TRST's Price/Tangible Book is ranked higher than
69% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. TRST: 1.60 )
TRST' s 10-Year Price/Tangible Book Range
Min: 1.23   Max: 7.74
Current: 1.6

1.23
7.74
Price/DCF (Projected) 1.20
TRST's Price/DCF (Projected) is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TRST: 1.20 )
TRST' s 10-Year Price/DCF (Projected) Range
Min: 0.63   Max: 1.75
Current: 1.2

0.63
1.75
Price/Median PS Value 1.00
TRST's Price/Median PS Value is ranked higher than
88% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. TRST: 1.00 )
TRST' s 10-Year Price/Median PS Value Range
Min: 0.18   Max: 1.94
Current: 1

0.18
1.94
Price/Graham Number 1.00
TRST's Price/Graham Number is ranked higher than
78% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TRST: 1.00 )
TRST' s 10-Year Price/Graham Number Range
Min: 0.9   Max: 2.1
Current: 1

0.9
2.1
Earnings Yield (Greenblatt) 9.10
TRST's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TRST: 9.10 )
TRST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5   Max: 11.5
Current: 9.1

5
11.5
Forward Rate of Return (Yacktman) 8.84
TRST's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. TRST: 8.84 )
TRST' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.8   Max: 12.5
Current: 8.84

-3.8
12.5

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 posts 1Q profit Apr 21 2015
TrustCo posts 1Q profit Apr 21 2015
TrustCo Announces First Quarter 2015 Earnings; Core Net Income Up 7% Apr 21 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 21 2015
TrustCo Announces First Quarter 2015 Earnings; Core Net Income Up 7% Apr 21 2015
Q1 2015 TrustCo Bank Corp N Y Earnings Release - After Market Close Apr 21 2015
TrustCo to Release First Quarter 2015 Results on April 21, 2015; Conference Call on April 22, 2015 Apr 13 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 13 2015
TrustCo to Release First Quarter 2015 Results on April 21, 2015; Conference Call on April 22, 2015 Apr 13 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 23 2015
TRUSTCO BANK CORP N Y Financials Mar 13 2015
TRUSTCO BANK CORP N Y Files SEC form 10-K, Annual Report Mar 06 2015
TrustCo Declares Cash Dividend Feb 17 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 17 2015
TrustCo Declares Cash Dividend Feb 17 2015
TrustCo Announces Full Year and Fourth Quarter Earnings; 2014 Net Income Up 11% Over 2013 Feb 11 2015
TrustCo posts 4Q profit Jan 21 2015
TrustCo posts 4Q profit Jan 21 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 21 2015
TRUSTCO BANK CORP N Y Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 15 2015

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