Trustco Bank N Y (FRA:TC50) Margin of Safety % (DCF FCF Based): -46.11% (As of Jun. 25, 2026)


FRA:TC50 Trustco Bank Corp N Y FRA:TC50
58 GF Score
Price €46.20
GF Value €31.03
! 8 Warning Signs
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What is Trustco Bank N Y Margin of Safety % (DCF FCF Based)?

Trustco Bank N Y FRA:TC50 +1.76% 58 Margin of Safety % (DCF FCF Based) is -46.11% as of Jun. 25, 2026. GuruFocus rates FRA:TC50 with a GF Score™ of 58/100 and a GF Value™ of €31.03. The stock has 8 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Trustco Bank N Y's Predictability Rank is 4-Stars. Trustco Bank N Y's intrinsic value calculated from the Discounted FCF model is €33.83 and current share price is €46.20. Consequently,

Trustco Bank N Y's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -46.11%.

FRA:TC50 vs SBNC, FSBC, CCNE: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Trustco Bank N Y's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Trustco Bank N Y's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Trustco Bank N Y's Margin of Safety % (DCF FCF Based) falls into.


FRA:TC50
58GF Score
Trustco Bank Corp N Y FRA:TC50
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Trustco Bank N Y Margin of Safety % (DCF FCF Based) Calculation

Trustco Bank N Y's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(31.62-46.20)/31.62
=-46.11 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -46.11% mean?
Trustco Bank N Y (FRA:TC50) has a Margin of Safety % (DCF FCF Based) of -46.11% as of Jun. 25, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Trustco Bank N Y.
Is Trustco Bank N Y's Margin of Safety % (DCF FCF Based) too high?
Trustco Bank N Y's current Margin of Safety % (DCF FCF Based) is -46.11%. Overall, Trustco Bank N Y has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Trustco Bank N Y's Margin of Safety % (DCF FCF Based) compare to SBNC and FSBC?
Trustco Bank N Y's Margin of Safety % (DCF FCF Based) of -46.11% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Trustco Bank N Y. Trustco Bank N Y's current Margin of Safety % (DCF FCF Based) is -46.11%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trustco Bank N Y stock overvalued right now?
Trustco Bank N Y (FRA:TC50) has a current Margin of Safety % (DCF FCF Based) of -46.11%. The stock's GF Value™ is €31.03, compared to a current price of €46.20 — trading 48.9% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is -46.11%. Trustco Bank N Y's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current Margin of Safety % (DCF FCF Based) is -46.11% as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Trustco Bank N Y (FRA:TC50) Overvalued in 2026?

Based on GuruFocus' analysis, Trustco Bank N Y stock appears to be overvalued. The current stock price of €46.20 is trading 48.9% above its estimated GF Value™ of €31.03.

Key valuation signals for FRA:TC50:

  • Margin of Safety % (DCF FCF Based): -46.11%
  • GF Value™: €31.03 vs. price of €46.20 (48.9% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the FRA:TC50 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Trustco Bank N Y Business Description

Other Exchanges TRST:USA
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. The company derives revenue from the business of Banking. TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey, and Vermont.
58GF Score

Get the complete analysis for FRA:TC50

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€46.20
Price
€31.03
GF Value