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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.19
TRST's Cash-to-Debt is ranked lower than
88% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. TRST: 0.19 )
Ranked among companies with meaningful Cash-to-Debt only.
TRST' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18  Med: 0.58 Max: N/A
Current: 0.19
Equity-to-Asset 0.09
TRST's Equity-to-Asset is ranked lower than
63% of the 1629 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: 0.07 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 4.58
TRST's Interest Coverage is ranked higher than
78% of the 1583 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. TRST: 4.58 )
Ranked among companies with meaningful Interest Coverage only.
TRST' s Interest Coverage Range Over the Past 10 Years
Min: 0.62  Med: 2.5 Max: 4.62
Current: 4.58
0.62
4.62
WACC vs ROIC
7.64%
7.39%
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 : 4/10

vs
industry
vs
history
Operating Margin % 41.63
TRST's Operating Margin % is ranked higher than
72% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.61 vs. TRST: 41.63 )
Ranked among companies with meaningful Operating Margin % only.
TRST' s Operating Margin % Range Over the Past 10 Years
Min: 29.67  Med: 41.11 Max: 50.88
Current: 41.63
29.67
50.88
Net Margin % 25.92
TRST's Net Margin % is ranked higher than
60% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.71 vs. TRST: 25.92 )
Ranked among companies with meaningful Net Margin % only.
TRST' s Net Margin % Range Over the Past 10 Years
Min: 19.81  Med: 25.71 Max: 34.56
Current: 25.92
19.81
34.56
ROE % 9.98
TRST's ROE % is ranked higher than
61% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. TRST: 9.98 )
Ranked among companies with meaningful ROE % only.
TRST' s ROE % Range Over the Past 10 Years
Min: 9.98  Med: 11.41 Max: 16.56
Current: 9.98
9.98
16.56
ROA % 0.89
TRST's ROA % is ranked lower than
51% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. TRST: 0.89 )
Ranked among companies with meaningful ROA % only.
TRST' s ROA % Range Over the Past 10 Years
Min: 0.77  Med: 0.9 Max: 1.21
Current: 0.89
0.77
1.21
3-Year Revenue Growth Rate 1.50
TRST's 3-Year Revenue Growth Rate is ranked lower than
65% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. TRST: 1.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
TRST' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -5.4  Med: 2.2 Max: 20.2
Current: 1.5
-5.4
20.2
3-Year EBITDA Growth Rate 1.30
TRST's 3-Year EBITDA Growth Rate is ranked lower than
66% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. TRST: 1.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
TRST' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.5  Med: 4.8 Max: 26.5
Current: 1.3
-16.5
26.5
3-Year EPS without NRI Growth Rate 1.80
TRST's 3-Year EPS without NRI Growth Rate is ranked lower than
66% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. TRST: 1.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
TRST' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -16.8  Med: 5.8 Max: 26
Current: 1.8
-16.8
26
GuruFocus has detected 1 Warning Sign with Trustco Bank Corp N Y $TRST.
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» TRST's 30-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:GSBC, NAS:RBCAA, NAS:GBNK, NAS:CNOB, NAS:PFBC, NAS:GABC, NAS:GNBC, NAS:FBNC, NAS:CTBI, NAS:HFWA, NAS:ORIT, NAS:BMTC, NAS:UVSP, NAS:TSC, NAS:OPB, NAS:COBZ, NAS:TCBK, NAS:SGBK, NAS:FLIC, NAS:BDGE » details
Traded in other countries:TC5.Germany,
Headquarter Location:USA
Trustco Bank Corp N Y is a savings and loan holding company. It is engaged in providing general banking services to individuals, partnerships, and corporations.

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 157 automatic teller machines and 145 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.

Ratios

vs
industry
vs
history
PE Ratio 16.90
TRST's PE Ratio is ranked lower than
62% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. TRST: 16.90 )
Ranked among companies with meaningful PE Ratio only.
TRST' s PE Ratio Range Over the Past 10 Years
Min: 10.03  Med: 15.33 Max: 28.37
Current: 16.9
10.03
28.37
PE Ratio without NRI 17.27
TRST's PE Ratio without NRI is ranked lower than
64% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. TRST: 17.27 )
Ranked among companies with meaningful PE Ratio without NRI only.
TRST' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.88  Med: 15.32 Max: 28.19
Current: 17.27
9.88
28.19
Price-to-Owner-Earnings 19.11
TRST's Price-to-Owner-Earnings is ranked lower than
71% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.22 vs. TRST: 19.11 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
TRST' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.14  Med: 15.28 Max: 30.5
Current: 19.11
2.14
30.5
PB Ratio 1.67
TRST's PB Ratio is ranked lower than
76% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. TRST: 1.67 )
Ranked among companies with meaningful PB Ratio only.
TRST' s PB Ratio Range Over the Past 10 Years
Min: 1.14  Med: 1.72 Max: 4.18
Current: 1.67
1.14
4.18
PS Ratio 4.38
TRST's PS Ratio is ranked lower than
68% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. TRST: 4.38 )
Ranked among companies with meaningful PS Ratio only.
TRST' s PS Ratio Range Over the Past 10 Years
Min: 2.03  Med: 3.91 Max: 8.76
Current: 4.38
2.03
8.76
Price-to-Free-Cash-Flow 15.11
TRST's Price-to-Free-Cash-Flow is ranked lower than
66% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.52 vs. TRST: 15.11 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
TRST' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2  Med: 10.21 Max: 26.96
Current: 15.11
2
26.96
Price-to-Operating-Cash-Flow 14.53
TRST's Price-to-Operating-Cash-Flow is ranked lower than
71% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.47 vs. TRST: 14.53 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TRST' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.84  Med: 9.27 Max: 22.95
Current: 14.53
0.84
22.95
EV-to-EBIT 13.12
TRST's EV-to-EBIT is ranked lower than
55% of the 1267 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. TRST: 13.12 )
Ranked among companies with meaningful EV-to-EBIT only.
TRST' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.7  Med: 11.7 Max: 20.1
Current: 13.12
8.7
20.1
EV-to-EBITDA 12.42
TRST's EV-to-EBITDA is ranked lower than
57% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.09 vs. TRST: 12.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
TRST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.8  Med: 10.9 Max: 18.8
Current: 12.42
7.8
18.8
PEG Ratio 6.81
TRST's PEG Ratio is ranked lower than
90% of the 852 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. TRST: 6.81 )
Ranked among companies with meaningful PEG Ratio only.
TRST' s PEG Ratio Range Over the Past 10 Years
Min: 2.27  Med: 4.08 Max: 64.71
Current: 6.81
2.27
64.71
Shiller PE Ratio 16.59
TRST's Shiller PE Ratio is ranked higher than
64% of the 509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.59 vs. TRST: 16.59 )
Ranked among companies with meaningful Shiller PE Ratio only.
TRST' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.08  Med: 11.86 Max: 19.24
Current: 16.59
6.08
19.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.46
TRST's Dividend Yield % is ranked higher than
64% of the 2338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.52 vs. TRST: 3.46 )
Ranked among companies with meaningful Dividend Yield % only.
TRST' s Dividend Yield % Range Over the Past 10 Years
Min: 2.98  Med: 4.65 Max: 8.92
Current: 3.46
2.98
8.92
Dividend Payout Ratio 0.58
TRST's Dividend Payout Ratio is ranked lower than
68% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. TRST: 0.58 )
Ranked among companies with meaningful Dividend Payout Ratio only.
TRST' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.56  Med: 0.67 Max: 1.22
Current: 0.58
0.56
1.22
3-Year Dividend Growth Rate -0.10
TRST's 3-Year Dividend Growth Rate is ranked lower than
76% of the 802 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. TRST: -0.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
TRST' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -26.2  Med: 3.5 Max: 26.8
Current: -0.1
-26.2
26.8
Forward Dividend Yield % 3.45
TRST's Forward Dividend Yield % is ranked higher than
59% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. TRST: 3.45 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.44
TRST's 5-Year Yield-on-Cost % is ranked higher than
51% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.17 vs. TRST: 3.44 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TRST' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.97  Med: 4.63 Max: 8.88
Current: 3.44
2.97
8.88
3-Year Average Share Buyback Ratio -0.50
TRST's 3-Year Average Share Buyback Ratio is ranked higher than
64% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. TRST: -0.50 )
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: -13.4  Med: -0.7 Max: 7.6
Current: -0.5
-13.4
7.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.66
TRST's Price-to-Tangible-Book is ranked lower than
68% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. TRST: 1.66 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TRST' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.23  Med: 3.08 Max: 4.88
Current: 1.66
1.23
4.88
Price-to-Intrinsic-Value-Projected-FCF 0.83
TRST's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
55% of the 914 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. TRST: 0.83 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
TRST' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.46  Med: 1.23 Max: 3.78
Current: 0.83
0.46
3.78
Price-to-Median-PS-Value 1.12
TRST's Price-to-Median-PS-Value is ranked lower than
51% of the 1559 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. TRST: 1.12 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TRST' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.61  Med: 1.31 Max: 3.55
Current: 1.12
0.61
3.55
Price-to-Graham-Number 1.13
TRST's Price-to-Graham-Number is ranked lower than
66% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. TRST: 1.13 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TRST' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.79  Med: 1.51 Max: 2.06
Current: 1.13
0.79
2.06
Earnings Yield (Greenblatt) % 7.62
TRST's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. TRST: 7.62 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TRST' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5  Med: 8.6 Max: 11.5
Current: 7.62
5
11.5
Forward Rate of Return (Yacktman) % 9.72
TRST's Forward Rate of Return (Yacktman) % is ranked lower than
55% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.26 vs. TRST: 9.72 )
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: 9.1 Max: 16.3
Current: 9.72
-2.9
16.3

More Statistics

Revenue (TTM) (Mil) $166.44
EPS (TTM) $ 0.45
Beta1.04
Short Percentage of Float1.07%
52-Week Range $6.00 - 9.00
Shares Outstanding (Mil)96.00
» More Articles for TRST

Headlines

Articles On GuruFocus.com
TrustCo to Release First Quarter 2017 Results on April 21, 2017; Conference Call on April 24, 201 Apr 14 2017 
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 

More From Other Websites
TrustCo Bank Corp. NY breached its 50 day moving average in a Bearish Manner : TRST-US : June 21,... Jun 21 2017
ETFs with exposure to TrustCo Bank Corp. NY : June 15, 2017 Jun 15 2017
TrustCo Bank Corp. NY breached its 50 day moving average in a Bullish Manner : TRST-US : June 9,... Jun 09 2017
TrustCo Bank Corp. NY : TRST-US: Dividend Analysis : June 02nd, 2017 (record date) : By the numbers... Jun 01 2017
ETFs with exposure to TrustCo Bank Corp. NY : May 29, 2017 May 29 2017
TrustCo Bank Corp. NY :TRST-US: Earnings Analysis: Q1, 2017 By the Numbers : May 17, 2017 May 17 2017
TrustCo Declares Cash Dividend May 16 2017
TrustCo Bank Corp. NY breached its 50 day moving average in a Bearish Manner : TRST-US : May 12,... May 12 2017
Edited Transcript of TRST earnings conference call or presentation 24-Apr-17 1:00pm GMT Apr 24 2017
TrustCo posts 1Q profit Apr 21 2017
TrustCo Announces Increased First Quarter 2017 Earnings Apr 21 2017
TrustCo to Release First Quarter 2017 Results on April 21, 2017; Conference Call on April 24, 2017 Apr 14 2017
TrustCo Bank Corp. NY breached its 50 day moving average in a Bullish Manner : TRST-US : February... Feb 22 2017
TrustCo Bank Corp. NY breached its 50 day moving average in a Bearish Manner : TRST-US : January 31,... Jan 31 2017
TrustCo Bank Corp. NY : TRST-US: Dividend Analysis : December 02nd, 2016 (record date) : By the... Jan 26 2017
TrustCo Bank Corp. NY :TRST-US: Earnings Analysis: Q4, 2016 By the Numbers : January 25, 2017 Jan 25 2017
Edited Transcript of TRST earnings conference call or presentation 24-Jan-17 2:00pm GMT Jan 24 2017

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