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Trustco Bank N Y (FRA:TC50) Cyclically Adjusted Price-to-FCF : 20.45 (As of May. 17, 2024)


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What is Trustco Bank N Y Cyclically Adjusted Price-to-FCF?

As of today (2024-05-17), Trustco Bank N Y's current share price is €27.00. Trustco Bank N Y's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was €1.32. Trustco Bank N Y's Cyclically Adjusted Price-to-FCF for today is 20.45.

The historical rank and industry rank for Trustco Bank N Y's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

FRA:TC50' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.77   Med: 9.31   Max: 25
Current: 8.01

During the past years, Trustco Bank N Y's highest Cyclically Adjusted Price-to-FCF was 25.00. The lowest was 6.77. And the median was 9.31.

FRA:TC50's Cyclically Adjusted Price-to-FCF is ranked worse than
52.81% of 835 companies
in the Banks industry
Industry Median: 7.54 vs FRA:TC50: 8.01

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Trustco Bank N Y's adjusted free cash flow per share data for the three months ended in Mar. 2024 was €0.454. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is €1.32 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Trustco Bank N Y Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Trustco Bank N Y's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Trustco Bank N Y Cyclically Adjusted Price-to-FCF Chart

Trustco Bank N Y Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.27 10.21 9.91 10.45 8.67

Trustco Bank N Y Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.62 7.77 7.47 8.67 7.63

Competitive Comparison of Trustco Bank N Y's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Trustco Bank N Y's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Trustco Bank N Y's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Trustco Bank N Y's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Trustco Bank N Y's Cyclically Adjusted Price-to-FCF falls into.



Trustco Bank N Y Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Trustco Bank N Y's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=27.00/1.32
=20.45

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Trustco Bank N Y's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Trustco Bank N Y's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.454/131.7762*131.7762
=0.454

Current CPI (Mar. 2024) = 131.7762.

Trustco Bank N Y Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 0.738 100.560 0.967
201409 0.402 100.428 0.527
201412 0.701 99.070 0.932
201503 0.747 99.621 0.988
201506 0.632 100.684 0.827
201509 0.803 100.392 1.054
201512 0.493 99.792 0.651
201603 0.721 100.470 0.946
201606 0.500 101.688 0.648
201609 0.617 101.861 0.798
201612 0.669 101.863 0.865
201703 0.519 102.862 0.665
201706 0.923 103.349 1.177
201709 0.630 104.136 0.797
201712 0.571 104.011 0.723
201803 0.460 105.290 0.576
201806 0.875 106.317 1.085
201809 0.683 106.507 0.845
201812 0.812 105.998 1.009
201903 0.541 107.251 0.665
201906 0.784 108.070 0.956
201909 0.858 108.329 1.044
201912 0.583 108.420 0.709
202003 0.641 108.902 0.776
202006 0.609 108.767 0.738
202009 0.800 109.815 0.960
202012 0.563 109.897 0.675
202103 0.351 111.754 0.414
202106 0.784 114.631 0.901
202109 0.697 115.734 0.794
202112 0.480 117.630 0.538
202203 0.481 121.301 0.523
202206 1.049 125.017 1.106
202209 1.175 125.227 1.236
202212 1.049 125.222 1.104
202303 0.885 127.348 0.916
202306 0.709 128.729 0.726
202309 0.544 129.860 0.552
202312 0.712 129.419 0.725
202403 0.454 131.776 0.454

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Trustco Bank N Y  (FRA:TC50) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Trustco Bank N Y Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Trustco Bank N Y's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Trustco Bank N Y (FRA:TC50) Business Description

Industry
Traded in Other Exchanges
Address
5 Sarnowski Drive, Glenville, NY, USA, 12302
Trustco Bank Corp N Y is a savings and loan holding company. The core part of a business consists of accepting deposits and making loans and investments. It offers a range of both personal and business banking services. The company's product includes savings accounts; retirement accounts; money market account; mortgages; building loans; auto loans and others.

Trustco Bank N Y (FRA:TC50) Headlines

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