Stock TRST TRUSTCO BANK CORP NY
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Financials TrustCo Bank Corp NY

Equities

TRST

US8983492047

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
27.08 USD +0.07% Intraday chart for TrustCo Bank Corp NY +0.56% -12.79%
Apr. 23 Transcript : TrustCo Bank Corp NY, Q1 2024 Earnings Call, Apr 23, 2024
Mar. 29 TrustCo Bank Corp NY announces an Equity Buyback for 200,000 shares, representing 1% of its issued share capital. CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 840.3 643.2 640.2 716.2 590.7 515.2 -
Enterprise Value (EV) 1 840.3 643.2 640.2 716.2 590.7 515.2 515.2
P/E ratio 14.5 x 12.3 x 10.4 x 9.56 x 10.1 x 11.4 x 9.27 x
Yield - 4.09% 4.12% 3.75% 4.64% 5.32% 5.32%
Capitalization / Revenue 4.82 x - 3.59 x 3.59 x 3.11 x 3.06 x 2.74 x
EV / Revenue 4.82 x - 3.59 x 3.59 x 3.11 x 3.06 x 2.74 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - - 1.06 x 1.19 x 0.92 x 0.78 x 0.75 x
Nbr of stocks (in thousands) 19,383 19,287 19,219 19,052 19,024 19,024 -
Reference price 2 43.35 33.35 33.31 37.59 31.05 27.08 27.08
Announcement Date 1/21/20 1/21/21 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 174.4 - 178.3 199.4 190.2 168.6 188.3
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 - - 82.13 99.42 77.61 59.8 74.1
Net income 1 - - 61.52 75.23 58.65 45.2 55.6
Net margin - - 34.49% 37.73% 30.84% 26.81% 29.53%
EPS 2 2.985 2.715 3.194 3.930 3.080 2.380 2.920
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 1.362 1.372 1.410 1.440 1.440 1.440
Announcement Date 1/21/20 1/21/21 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 44.18 44.82 45.28 47.98 52.18 53.96 51.63 48.65 46.8 43.08 41.42 40.97 42.29 43.88 45.21
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 22.28 21.63 22.71 23.46 25.74 27.51 23.66 21.82 19.24 12.9 15.92 13.3 14.33 16.22 16.81
Net income 1 16.76 16.24 17.09 17.87 19.36 20.91 17.75 16.37 14.68 9.848 12.13 10.04 10.82 12.25 12.6
Net margin 37.94% 36.24% 37.74% 37.25% 37.11% 38.75% 34.37% 33.65% 31.37% 22.86% 29.28% 24.51% 25.59% 27.92% 27.87%
EPS 2 0.8710 0.8450 0.8900 0.9330 1.013 1.100 0.9300 0.8600 0.7700 0.5200 0.6400 0.5300 0.5700 0.6400 0.6600
Dividend per Share 2 0.3410 0.3500 0.3500 0.3500 0.3500 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600 0.3600
Announcement Date 10/21/21 1/24/22 4/21/22 7/21/22 10/24/22 1/23/23 4/24/23 7/24/23 10/23/23 1/22/24 4/22/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2021 2022 2023 2024 2025
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) - 10.6% 12.6% 9.46% 6.93% 8.23%
ROA (Net income/ Total Assets) - 1.01% 1.22% 0.97% 0.73% 0.87%
Assets 1 - 6,091 6,167 6,046 6,192 6,391
Book Value Per Share 2 - 31.30 31.50 33.90 34.80 36.30
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 1/21/20 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for TrustCo Bank Corp NY

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
UNDERPERFORM
Number of Analysts
1
Last Close Price
27.08 USD
Average target price
26 USD
Spread / Average Target
-3.99%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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