The historical rank and industry rank for Trustco Bank N Y's OCF Margin % or its related term are showing as below:
FRA:TC50'
s OCF Margin % Range Over the Past 10 Years
Min: 30.65 Med: 35.16 Max: 39.43
Current: 35.52
During the past 13 years, the highest OCF Margin % of Trustco Bank N Y was 39.43%. The lowest was 30.65%. And the median was 35.16%.
FRA:TC50's OCF Margin % is ranked better than 60.09% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs FRA:TC50: 35.52
Trustco Bank N Y OCF Margin % Related Terms
Trustco Bank N Y OCF Margin % Historical Data
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The historical data trend for Trustco Bank N Y's OCF 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: OCF Margin % Comparison
For the Banks - Regional subindustry, Trustco Bank N Y's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Trustco Bank N Y's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Trustco Bank N Y's OCF 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 OCF Margin % of 23.85% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Trustco Bank N Y and its competitors. This is 32% below median its historical median of 35.16. Over the past decade, Trustco Bank N Y's OCF Margin % has ranged from 30.65 to 39.43. According to the industry distribution chart, Trustco Bank N Y ranks #599 out of 1501 companies in the Banks industry, placing it in the top 39.9%.
Is Trustco Bank N Y's OCF Margin % too high?
Trustco Bank N Y's current OCF Margin % of 23.85% is 32% below median its 10-year median of 35.16. Over the past 10 years, this metric has ranged from a low of 30.65 to a high of 39.43. The Banks industry median OCF Margin % is 29.44. Trustco Bank N Y's value of 23.85% is 19% below this industry median. Based on the distribution chart, Trustco Bank N Y ranks #599 out of 1501 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 OCF Margin % compare to SBNC and FSBC?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #599 out of 1501 companies for OCF Margin %. This puts Trustco Bank N Y in the upper half of its industry. The industry median OCF Margin % is 29.44. Trustco Bank N Y's value of 23.85% is 19% below this benchmark. Historically, Trustco Bank N Y's own OCF Margin % has ranged from 30.65 to 39.43 over the past decade. While the company's 10-year median is 35.16 vs. the industry median of 29.44, Trustco Bank N Y has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trustco Bank N Y's current OCF Margin % of 23.85% is 19% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Trustco Bank N Y and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trustco Bank N Y's current OCF Margin % is 23.85%, which is 32% below median its own 10-year median of 35.16. 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 OCF Margin % of 23.85%. The stock's GF Value™ is €31.09, compared to a current price of €47.20 — trading 51.8% above its estimated fair value. The current OCF Margin % is 23.85%, which is 32% below median its 10-year median of 35.16 and 19% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current OCF Margin % is 23.85% 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 €47.20 is trading 51.8% above its estimated GF Value™ of €31.09.
Key valuation signals for FRA:TC50:
OCF Margin %: 23.85% (32% below median its 10-year median of 35.16)
GF Value™: €31.09 vs. price of €47.20 (51.8% above fair value)
Industry Position: 19% below the Banks median (#599 of 1501)
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
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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