Fundamental Analysis of TrustCo Bank Corp NY - Growth / Value Index
TRST - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.124
Price to Earning Ratio is 10.23 and EV to EBITDA is 12.90 suggesting company is undervalued.
Price to Book Ratio is 0.314 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 10.64 | 9.62 | 26.43 % | |
| Price to Book | 0.326 | 0.874 | -8.36 % | 0.285 |
| Price to Sales | 5.93 | 3.84 | -93.67 % | |
| Enterprise Value to EBITDA Multiple | 13.30 | 8.30 | 25.50 % |
TRST - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Gives Dividend Yield of 5.09 %
Earning Yield of 9.77 %
During the past twelve months, the company has given a strong Net Margin of 55.77%
All key Trailing Twelve Months Margin growing by 15 %
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 8.40 | 9.09 | -27.52 % | 1.87 |
| Return On Asset | 0.869 | 0.951 | -24.17 % | 0.196 |
| Net Profit Margin | 55.77 | 39.89 | -94.99 % | 29.71 |
| Operating Profit Margin | 74.72 | 55.73 | -94.70 % | 41.86 |
| EBITDA Margin | 55.52 | 57.53 | -94.87 % | -2.86 |
Highlights
| Market Cap | 564073 K |
| Enterprise Value | 702337 K |
| Price/Book TTM | 0.326 |
| Outstanding Share | 19024.40 K |
| Float/ Outstanding Share | 96.70% |
| Dividend Yield | 4.87 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.643 |
| Peter Lynch Ratio | -1.96 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.221 |
| Sloan Ratio | -0.0184 |
| Peter Lynch Fair Value | 0 |
TRST - Growth Highlights
Growth Analysis
STRONG JUMP IN NET SALE : YoY growth
Tsr Growth Index - Poor Score of 26.72
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 95076.00 K | 1456.18 % | 1324.32 % |
| Gross Profit | 95076.00 K | 48.45 % | 1324.32 % |
| EBITDA | 52790.00 K | 20.12 % | 109.05 % |
| Net Profit | 53026.00 K | 22.05 % | 23.13 % |
| EPS | 2.79 | 20.91 % | NA |
TRST - Stability Highlights
Stability Analysis
Debt to equity ratio has decreased and is lowest in last five years
Altman Z Score of 0.219 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.138 | -51.80 % | 0.145 |
| Cash Ratio | -0.0350 | -100.92 % | |
| Quick Ratio | 0 | 0 % | 16.30 |
| Shareholders Equity | 10.46 | 4.62 % | |
| Debt to EBITDA | 1.05 | -35.11 % |
Historical Valuation Ratios of TrustCo Bank Corp NY
Historical Valuation Ratios
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Historical Profitability Ratios of TrustCo Bank Corp NY
Historical Profitability Ratios
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Historical Efficiency Ratios of TrustCo Bank Corp NY
Historical Efficiency Ratios
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Historical Solvency Ratios of TrustCo Bank Corp NY
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)