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Trustco Bank N Y (Trustco Bank N Y) Cyclically Adjusted Price-to-FCF : 7.56 (As of Apr. 27, 2024)


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

As of today (2024-04-27), Trustco Bank N Y's current share price is $27.08. Trustco Bank N Y's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $3.58. Trustco Bank N Y's Cyclically Adjusted Price-to-FCF for today is 7.56.

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:

TRST' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.77   Med: 9.31   Max: 25
Current: 7.56

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.

TRST's Cyclically Adjusted Price-to-FCF is ranked worse than
51.32% of 832 companies
in the Banks industry
Industry Median: 7.405 vs TRST: 7.56

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 Dec. 2023 was $0.777. 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 $3.58 for the trailing ten years ended in Dec. 2023.

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 -

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
=27.08/3.58
=7.56

* 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 Dec. 2023 is calculated as:

For example, Trustco Bank N Y's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.777/129.4194*129.4194
=0.777

Current CPI (Dec. 2023) = 129.4194.

Trustco Bank N Y Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.068 99.695 0.088
201406 1.003 100.560 1.291
201409 0.518 100.428 0.668
201412 0.865 99.070 1.130
201503 0.808 99.621 1.050
201506 0.709 100.684 0.911
201509 0.901 100.392 1.162
201512 0.537 99.792 0.696
201603 0.803 100.470 1.034
201606 0.562 101.688 0.715
201609 0.692 101.861 0.879
201612 0.706 101.863 0.897
201703 0.555 102.862 0.698
201706 1.037 103.349 1.299
201709 0.750 104.136 0.932
201712 0.676 104.011 0.841
201803 0.567 105.290 0.697
201806 1.022 106.317 1.244
201809 0.797 106.507 0.968
201812 0.924 105.998 1.128
201903 0.612 107.251 0.739
201906 0.886 108.070 1.061
201909 0.945 108.329 1.129
201912 0.647 108.420 0.772
202003 0.708 108.902 0.841
202006 0.686 108.767 0.816
202009 0.942 109.815 1.110
202012 0.685 109.897 0.807
202103 0.418 111.754 0.484
202106 0.945 114.631 1.067
202109 0.821 115.734 0.918
202112 0.543 117.630 0.597
202203 0.530 121.301 0.565
202206 1.109 125.017 1.148
202209 1.164 125.227 1.203
202212 1.111 125.222 1.148
202303 0.947 127.348 0.962
202306 0.768 128.729 0.772
202309 0.581 129.860 0.579
202312 0.777 129.419 0.777

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  (NAS:TRST) 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 (Trustco Bank N Y) 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.
Executives
Frank B Silverman director C/O TRUSTCO BANK, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
Robert J Mccormick director, officer: PRES. & CEO TRUSTCO BANK CORP C/O TRUSTCO BANK COMPANY, 5 SARNOUSKI DR, GLENVILLE NY 12302
Michael James Hall officer: SECRETARY C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
Kevin M Curley officer: SENIOR VICE PRESIDENT C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
Eric W Schreck officer: TREASURER C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
Robert M Leonard officer: AVP & Assistant Secretary 5 SARNOWSKI DR, GELNVILLE NY 12302
Steffani Cotugno director C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
Michael M Ozimek officer: SVP & CFO C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
Curtis N Powell director C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12303
Scot R Salvador officer: Chief Banking Officer & EVP
Lisa M Reutter director C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
De Gennaro Dennis A director C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE NY 12302
Kimberly Adams Russell director C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
Alejandro M Sanchez director C/O TRUSTCO BANK CORP NY, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302
William D Powers director C/O TRUSTCO BANK CORP, 5 SARNOWSKI DRIVE, GLENVILLE NY 12302

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