Financhill
Buy
70

TRST Quote, Financials, Valuation and Earnings

Last price:
$34.81
Seasonality move :
4.03%
Day range:
$34.76 - $35.24
52-week range:
$27.18 - $38.89
Dividend yield:
4.14%
P/E ratio:
12.99x
P/S ratio:
3.77x
P/B ratio:
0.96x
Volume:
67K
Avg. volume:
99.4K
1-year change:
14.69%
Market cap:
$662.3M
Revenue:
$171.8M
EPS (TTM):
$2.68

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
TRST
Trustco Bank Corp N Y
$43.1M $0.60 -15.79% -38.37% --
BHB
Bar Harbor Bankshares
$39.3M $0.69 5.12% 4.48% $32.50
CZNC
Citizens & Northern
$27.7M $0.47 3.26% 17.5% $21.00
PRK
Park National
$134.9M $2.45 6.51% 1.1% $172.67
SBSI
Southside Bancshares
$68M $0.68 4.94% -16.05% $32.00
STBA
S&T Bancorp
$99.2M $0.81 2.47% -10.11% $41.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
TRST
Trustco Bank Corp N Y
$34.82 -- $662.3M 12.99x $0.36 4.14% 3.77x
BHB
Bar Harbor Bankshares
$31.47 $32.50 $482.1M 11.04x $0.32 3.88% 3.21x
CZNC
Citizens & Northern
$19.88 $21.00 $308M 11.36x $0.28 5.63% 2.82x
PRK
Park National
$174.65 $172.67 $2.8B 17.93x $1.07 2.44% 5.37x
SBSI
Southside Bancshares
$30.70 $32.00 $927.6M 10.55x $0.36 4.69% 3.61x
STBA
S&T Bancorp
$39.19 $41.00 $1.5B 11.29x $0.34 3.45% 3.96x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
TRST
Trustco Bank Corp N Y
10.68% 1.174 14.19% 4.54x
BHB
Bar Harbor Bankshares
33.99% 1.164 53.25% 2.04x
CZNC
Citizens & Northern
40.8% 0.972 62.34% 932.54x
PRK
Park National
17.47% 1.403 11.05% 14.28x
SBSI
Southside Bancshares
50.82% 1.066 95.81% 2.74x
STBA
S&T Bancorp
12.11% 1.350 13.78% 12.87x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
TRST
Trustco Bank Corp N Y
-- -- 6.9% 7.64% 90.77% -$3.3M
BHB
Bar Harbor Bankshares
-- -- 6.14% 9.66% 83.74% $7.8M
CZNC
Citizens & Northern
-- -- 5.48% 9.91% 73.09% $1M
PRK
Park National
-- -- 10.62% 12.97% 60.73% $36.8M
SBSI
Southside Bancshares
-- -- 5.09% 11% 114.08% $21.5M
STBA
S&T Bancorp
-- -- 8.03% 9.82% 88.77% $27M

Trustco Bank Corp N Y vs. Competitors

  • Which has Higher Returns TRST or BHB?

    Bar Harbor Bankshares has a net margin of 31.48% compared to Trustco Bank Corp N Y's net margin of 27.38%. Trustco Bank Corp N Y's return on equity of 7.64% beat Bar Harbor Bankshares's return on equity of 9.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    Trustco Bank Corp N Y
    -- $0.75 $770.1M
    BHB
    Bar Harbor Bankshares
    -- $0.66 $707.9M
  • What do Analysts Say About TRST or BHB?

    Trustco Bank Corp N Y has a consensus price target of --, signalling downside risk potential of -25.33%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 1.25%. Given that Bar Harbor Bankshares has higher upside potential than Trustco Bank Corp N Y, analysts believe Bar Harbor Bankshares is more attractive than Trustco Bank Corp N Y.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    Trustco Bank Corp N Y
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is TRST or BHB More Risky?

    Trustco Bank Corp N Y has a beta of 0.658, which suggesting that the stock is 34.219% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.645, suggesting its less volatile than the S&P 500 by 35.494%.

  • Which is a Better Dividend Stock TRST or BHB?

    Trustco Bank Corp N Y has a quarterly dividend of $0.36 per share corresponding to a yield of 4.14%. Bar Harbor Bankshares offers a yield of 3.88% to investors and pays a quarterly dividend of $0.32 per share. Trustco Bank Corp N Y pays 56.13% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or BHB?

    Trustco Bank Corp N Y quarterly revenues are $45.3M, which are larger than Bar Harbor Bankshares quarterly revenues of $37.3M. Trustco Bank Corp N Y's net income of $14.3M is higher than Bar Harbor Bankshares's net income of $10.2M. Notably, Trustco Bank Corp N Y's price-to-earnings ratio is 12.99x while Bar Harbor Bankshares's PE ratio is 11.04x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Trustco Bank Corp N Y is 3.77x versus 3.21x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    Trustco Bank Corp N Y
    3.77x 12.99x $45.3M $14.3M
    BHB
    Bar Harbor Bankshares
    3.21x 11.04x $37.3M $10.2M
  • Which has Higher Returns TRST or CZNC?

    Citizens & Northern has a net margin of 31.48% compared to Trustco Bank Corp N Y's net margin of 23.66%. Trustco Bank Corp N Y's return on equity of 7.64% beat Citizens & Northern's return on equity of 9.91%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    Trustco Bank Corp N Y
    -- $0.75 $770.1M
    CZNC
    Citizens & Northern
    -- $0.41 $476M
  • What do Analysts Say About TRST or CZNC?

    Trustco Bank Corp N Y has a consensus price target of --, signalling downside risk potential of -25.33%. On the other hand Citizens & Northern has an analysts' consensus of $21.00 which suggests that it could grow by 5.63%. Given that Citizens & Northern has higher upside potential than Trustco Bank Corp N Y, analysts believe Citizens & Northern is more attractive than Trustco Bank Corp N Y.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    Trustco Bank Corp N Y
    0 0 0
    CZNC
    Citizens & Northern
    0 2 0
  • Is TRST or CZNC More Risky?

    Trustco Bank Corp N Y has a beta of 0.658, which suggesting that the stock is 34.219% less volatile than S&P 500. In comparison Citizens & Northern has a beta of 0.493, suggesting its less volatile than the S&P 500 by 50.694%.

  • Which is a Better Dividend Stock TRST or CZNC?

    Trustco Bank Corp N Y has a quarterly dividend of $0.36 per share corresponding to a yield of 4.14%. Citizens & Northern offers a yield of 5.63% to investors and pays a quarterly dividend of $0.28 per share. Trustco Bank Corp N Y pays 56.13% of its earnings as a dividend. Citizens & Northern pays out 59.83% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or CZNC?

    Trustco Bank Corp N Y quarterly revenues are $45.3M, which are larger than Citizens & Northern quarterly revenues of $26.6M. Trustco Bank Corp N Y's net income of $14.3M is higher than Citizens & Northern's net income of $6.3M. Notably, Trustco Bank Corp N Y's price-to-earnings ratio is 12.99x while Citizens & Northern's PE ratio is 11.36x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Trustco Bank Corp N Y is 3.77x versus 2.82x for Citizens & Northern. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    Trustco Bank Corp N Y
    3.77x 12.99x $45.3M $14.3M
    CZNC
    Citizens & Northern
    2.82x 11.36x $26.6M $6.3M
  • Which has Higher Returns TRST or PRK?

    Park National has a net margin of 31.48% compared to Trustco Bank Corp N Y's net margin of 32.4%. Trustco Bank Corp N Y's return on equity of 7.64% beat Park National's return on equity of 12.97%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    Trustco Bank Corp N Y
    -- $0.75 $770.1M
    PRK
    Park National
    -- $2.60 $1.5B
  • What do Analysts Say About TRST or PRK?

    Trustco Bank Corp N Y has a consensus price target of --, signalling downside risk potential of -25.33%. On the other hand Park National has an analysts' consensus of $172.67 which suggests that it could fall by -1.14%. Given that Trustco Bank Corp N Y has more downside risk than Park National, analysts believe Park National is more attractive than Trustco Bank Corp N Y.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    Trustco Bank Corp N Y
    0 0 0
    PRK
    Park National
    0 3 0
  • Is TRST or PRK More Risky?

    Trustco Bank Corp N Y has a beta of 0.658, which suggesting that the stock is 34.219% less volatile than S&P 500. In comparison Park National has a beta of 0.821, suggesting its less volatile than the S&P 500 by 17.866%.

  • Which is a Better Dividend Stock TRST or PRK?

    Trustco Bank Corp N Y has a quarterly dividend of $0.36 per share corresponding to a yield of 4.14%. Park National offers a yield of 2.44% to investors and pays a quarterly dividend of $1.07 per share. Trustco Bank Corp N Y pays 56.13% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or PRK?

    Trustco Bank Corp N Y quarterly revenues are $45.3M, which are smaller than Park National quarterly revenues of $130.1M. Trustco Bank Corp N Y's net income of $14.3M is lower than Park National's net income of $42.2M. Notably, Trustco Bank Corp N Y's price-to-earnings ratio is 12.99x while Park National's PE ratio is 17.93x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Trustco Bank Corp N Y is 3.77x versus 5.37x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    Trustco Bank Corp N Y
    3.77x 12.99x $45.3M $14.3M
    PRK
    Park National
    5.37x 17.93x $130.1M $42.2M
  • Which has Higher Returns TRST or SBSI?

    Southside Bancshares has a net margin of 31.48% compared to Trustco Bank Corp N Y's net margin of 33.77%. Trustco Bank Corp N Y's return on equity of 7.64% beat Southside Bancshares's return on equity of 11%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    Trustco Bank Corp N Y
    -- $0.75 $770.1M
    SBSI
    Southside Bancshares
    -- $0.71 $1.7B
  • What do Analysts Say About TRST or SBSI?

    Trustco Bank Corp N Y has a consensus price target of --, signalling downside risk potential of -25.33%. On the other hand Southside Bancshares has an analysts' consensus of $32.00 which suggests that it could grow by 4.24%. Given that Southside Bancshares has higher upside potential than Trustco Bank Corp N Y, analysts believe Southside Bancshares is more attractive than Trustco Bank Corp N Y.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    Trustco Bank Corp N Y
    0 0 0
    SBSI
    Southside Bancshares
    0 4 0
  • Is TRST or SBSI More Risky?

    Trustco Bank Corp N Y has a beta of 0.658, which suggesting that the stock is 34.219% less volatile than S&P 500. In comparison Southside Bancshares has a beta of 0.667, suggesting its less volatile than the S&P 500 by 33.282%.

  • Which is a Better Dividend Stock TRST or SBSI?

    Trustco Bank Corp N Y has a quarterly dividend of $0.36 per share corresponding to a yield of 4.14%. Southside Bancshares offers a yield of 4.69% to investors and pays a quarterly dividend of $0.36 per share. Trustco Bank Corp N Y pays 56.13% of its earnings as a dividend. Southside Bancshares pays out 49.3% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or SBSI?

    Trustco Bank Corp N Y quarterly revenues are $45.3M, which are smaller than Southside Bancshares quarterly revenues of $63.7M. Trustco Bank Corp N Y's net income of $14.3M is lower than Southside Bancshares's net income of $21.5M. Notably, Trustco Bank Corp N Y's price-to-earnings ratio is 12.99x while Southside Bancshares's PE ratio is 10.55x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Trustco Bank Corp N Y is 3.77x versus 3.61x for Southside Bancshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    Trustco Bank Corp N Y
    3.77x 12.99x $45.3M $14.3M
    SBSI
    Southside Bancshares
    3.61x 10.55x $63.7M $21.5M
  • Which has Higher Returns TRST or STBA?

    S&T Bancorp has a net margin of 31.48% compared to Trustco Bank Corp N Y's net margin of 35.63%. Trustco Bank Corp N Y's return on equity of 7.64% beat S&T Bancorp's return on equity of 9.82%.

    Company Gross Margin Earnings Per Share Invested Capital
    TRST
    Trustco Bank Corp N Y
    -- $0.75 $770.1M
    STBA
    S&T Bancorp
    -- $0.87 $1.6B
  • What do Analysts Say About TRST or STBA?

    Trustco Bank Corp N Y has a consensus price target of --, signalling downside risk potential of -25.33%. On the other hand S&T Bancorp has an analysts' consensus of $41.00 which suggests that it could grow by 4.62%. Given that S&T Bancorp has higher upside potential than Trustco Bank Corp N Y, analysts believe S&T Bancorp is more attractive than Trustco Bank Corp N Y.

    Company Buy Ratings Hold Ratings Sell Ratings
    TRST
    Trustco Bank Corp N Y
    0 0 0
    STBA
    S&T Bancorp
    0 6 0
  • Is TRST or STBA More Risky?

    Trustco Bank Corp N Y has a beta of 0.658, which suggesting that the stock is 34.219% less volatile than S&P 500. In comparison S&T Bancorp has a beta of 0.892, suggesting its less volatile than the S&P 500 by 10.849%.

  • Which is a Better Dividend Stock TRST or STBA?

    Trustco Bank Corp N Y has a quarterly dividend of $0.36 per share corresponding to a yield of 4.14%. S&T Bancorp offers a yield of 3.45% to investors and pays a quarterly dividend of $0.34 per share. Trustco Bank Corp N Y pays 56.13% of its earnings as a dividend. S&T Bancorp pays out 38.83% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios TRST or STBA?

    Trustco Bank Corp N Y quarterly revenues are $45.3M, which are smaller than S&T Bancorp quarterly revenues of $93.8M. Trustco Bank Corp N Y's net income of $14.3M is lower than S&T Bancorp's net income of $33.4M. Notably, Trustco Bank Corp N Y's price-to-earnings ratio is 12.99x while S&T Bancorp's PE ratio is 11.29x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Trustco Bank Corp N Y is 3.77x versus 3.96x for S&T Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    TRST
    Trustco Bank Corp N Y
    3.77x 12.99x $45.3M $14.3M
    STBA
    S&T Bancorp
    3.96x 11.29x $93.8M $33.4M

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