The historical rank and industry rank for Trustco Bank N Y's Net Margin % or its related term are showing as below:
FRA:TC50'
s Net Margin % Range Over the Past 10 Years
Min: 24.98 Med: 31.69 Max: 37.73
Current: 32.87
FRA:TC50's Net Margin % is ranked better than 69.99% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FRA:TC50: 32.87
Trustco Bank N Y (FRA:TC50) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Trustco Bank N Y Net Margin % Related Terms
Trustco Bank N Y Net Margin % Historical Data
* Premium members only.
The historical data trend for Trustco Bank N Y's Net Margin % 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.
FRA:TC50 vs SBNC, FSBC, CCNE: Net Margin % Comparison
For the Banks - Regional subindustry, Trustco Bank N Y's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Trustco Bank N Y's Net Margin % distribution charts can be found below:
* The bar in red indicates where Trustco Bank N Y's Net Margin % falls into.
* 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 (FRA:TC50) has a Net Margin % of 32.87% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Trustco Bank N Y and its competitors. This is near median its historical median of 31.69. Over the past decade, Trustco Bank N Y's Net Margin % has ranged from 24.98 to 37.73. According to the industry distribution chart, Trustco Bank N Y ranks #458 out of 1526 companies in the Banks industry, placing it in the top 30%.
Is Trustco Bank N Y's Net Margin % too high?
Trustco Bank N Y's current Net Margin % of 32.87% is near median its 10-year median of 31.69. Over the past 10 years, this metric has ranged from a low of 24.98 to a high of 37.73. The Banks industry median Net Margin % is 26.97. Trustco Bank N Y's value of 32.87% is 21.9% above this industry median. Based on the distribution chart, Trustco Bank N Y ranks #458 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to SBNC and FSBC?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #458 out of 1526 companies for Net Margin %. This puts Trustco Bank N Y in the upper half of its industry. The industry median Net Margin % is 26.97. Trustco Bank N Y's value of 32.87% is 21.9% above this benchmark. Historically, Trustco Bank N Y's own Net Margin % has ranged from 24.98 to 37.73 over the past decade. While the company's 10-year median is 31.69 vs. the industry median of 26.97, Trustco Bank N Y has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trustco Bank N Y's current Net Margin % of 32.87% is 21.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Trustco Bank N Y and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trustco Bank N Y's current Net Margin % is 32.87%, which is near median its own 10-year median of 31.69. 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 Net Margin % of 32.87%. 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 Net Margin % is 32.87%, which is near median its 10-year median of 31.69 and 21.9% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current Net Margin % is 32.87% as of Mar. 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:
Net Margin %: 32.87% (near median its 10-year median of 31.69)
GF Value™: €31.03 vs. price of €46.20 (48.9% above fair value)
Industry Position: 21.9% above the Banks median (#458 of 1526)
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 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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:TC50 has been successfully added to your 
