TrustCo Bank Corp NY Financial Ratios — TRST Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	16.13	16.69	16.67	17.26	15.4	14.6	13.91	18.18	15.53	14.52	17.5	19.22	13.65	10.71	12.65
Return on Assets (%)	0.81	0.87	0.9	0.96	0.9	0.89	0.88	1.25	1.14	0.94	1.02	1.23	0.96	0.79	0.96
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.16	3.23	3.23	2.96	2.83	2.45	2.21	2.3	5.7	5.96	5.94	5.29	5.67	6.66	6.1
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.18	38.46	40.85	44.37	41.46	41.37	44.43	44.56	43.87	40.67	46.05	49.86	40.81	37.29	43
Profit Margin (%)	21.59	24.07	25.6	27.39	26.23	25.81	24.98	34.37	33.17	30.72	34.49	37.73	30.84	28.43	32.53
Net Income to Common Margin (%)	21.59	24.07	25.6	27.39	26.23	25.81	24.98	34.37	33.17	30.72	34.49	37.73	30.84	28.43	32.53
Effective Tax Rate (%)	36.84	37.42	37.33	38.27	36.73	37.62	43.78	22.86	24.4	24.47	25.1	24.32	24.44	23.75	24.35
Dvd Payout Ratio (%)	64.48	65.51	62.1	56.23	59.07	58.83	58.4	41.61	45.62	50.2	42.72	35.88	46.7	56.13	45.18
Sustainable Growth Rate (%)	5.73	5.76	6.32	7.55	6.3	6.01	5.79	10.61	8.45	7.23	10.02	12.32	7.28	4.7	6.93

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	148	160	204	189	191	209	243	162	205	268	297	172	44	40	36
ST Debt	148	160	204	189	191	209	243	162	149	215	245	123	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	57	53	53	49	44	40	36
Total Debt/EBITDA	30.51	31.77	40.69	39.6	41.99	51.86	63.68	39.4	20.64	26.29	28.05	16.27	4.12	3.51	3.18
Net Debt/EBITDA	21.33	20.68	31.43	30.49	32.83	39.79	52.11	27.41	10.1	16.46	18.52	7.51	-4.57	-4.14	-4.41
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.15	5.32	5.45	5.72	5.98	6.18	6.51	7.19	7.44	5.66	5.96	6.9	7.22	7.48	7.76
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	10.51	9.29	8.77	8.16	6.89	5.94	5.3
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	9.53	8.77	7.91	8.36	9.08	7.92	6.78
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	1.08	0.89	0.85	0.82	0.72	0.64	0.57
Total Debt/Equity (%)	43.59	44.55	56.43	48.07	46.27	48.4	53.02	33.05	38.13	47.09	49.47	28.61	6.89	5.94	5.3
Total Debt/Capital (%)	40.32	40.87	45.32	41.58	40.33	41.05	43.2	31.23	34.58	44.47	44.62	29.32	9.08	7.92	6.78
Total Debt/Total Assets (%)	3.48	3.68	4.52	4.07	4.04	4.3	4.95	3.26	3.93	4.53	4.8	2.86	0.72	0.64	0.57
Net Debt to Equity	30.48	29	43.59	37.01	36.18	37.14	43.39	22.99	18.67	29.49	32.66	13.21	-7.64	-7	-7.37
Net Debt/Capital (%)	32.09	31.03	39.03	35.4	34.57	34.82	38.37	24.01	18.42	30.23	31.76	14.62	-11.19	-10.31	-10.41
EBITDA	5	5	5	5	5	4	4	4	10	10	11	11	11	11	11
EBITDA-CapEx	- -	1	-1	-4	1	2	- -	- -	6	6	8	7	5	7	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.15	5.32	5.45	5.72	5.98	6.18	6.51	7.19	7.44	5.66	5.96	6.9	7.22	7.48	7.76
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	10.51	9.29	8.77	8.16	6.89	5.94	5.3
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	9.53	8.77	7.91	8.36	9.08	7.92	6.78
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	1.08	0.89	0.85	0.82	0.72	0.64	0.57
Total Debt/Equity (%)	43.59	44.55	56.43	48.07	46.27	48.4	53.02	33.05	38.13	47.09	49.47	28.61	6.89	5.94	5.3
Total Debt/Capital (%)	40.32	40.87	45.32	41.58	40.33	41.05	43.2	31.23	34.58	44.47	44.62	29.32	9.08	7.92	6.78
Total Debt/Total Assets (%)	3.48	3.68	4.52	4.07	4.04	4.3	4.95	3.26	3.93	4.53	4.8	2.86	0.72	0.64	0.57
CFO/Total Liabilities	1.57	1.47	1.68	1.29	1.39	1.24	1.39	1.51	1.36	1.17	0.99	1.46	1.16	1.07	1
CFO/CapEx	11.76	13.75	10.95	6.47	16.03	26.71	17.07	18.55	16.38	16.23	19.49	20.77	11.32	12.17	4.85
Altman's Z-Score	0.15	0.15	0.18	0.18	0.17	0.2	0.22	0.2	0.22	0.18	0.18	0.21	0.19	0.2	0.21

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	477	494	676	687	584	836	884	662	840	644	642	719	591	633	775
- Cash & Cash Equivalents	44	56	46	44	42	49	44	49	48	47	48	43	49	47	51
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	148	160	204	189	191	209	243	162	205	268	297	172	44	40	36
Enterprise Value	-328	-314	-30	156	132	376	511	273	423	425	483	366	134	268	518
Total Capital	366	391	451	455	474	510	562	518	593	602	667	586	490	507	537
Total Debt/Capital (%)	40.32	40.87	45.32	41.58	40.33	41.05	43.2	31.23	34.58	44.47	44.62	29.32	9.08	7.92	6.78
Total Debt / EV	-0.45	-0.51	-6.81	1.21	1.44	0.56	0.48	0.59	0.49	0.63	0.62	0.47	0.33	0.15	0.07
EV/Sales	- -	- -	- -	0.97	0.82	2.28	2.96	1.53	2.42	2.49	2.71	1.83	0.7	1.56	2.76
EV/EBITDA	- -	- -	- -	32.63	29.08	93.21	133.94	66.49	42.53	41.75	45.54	34.67	12.39	23.45	45.2
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.83	2.21	6.86	8.29	4.04	6.63	6.84	8.72	4.65	2.08	4.51	8.99
EV/Free Cash Flow to Firm	- -	- -	- -	2.45	2.08	6.61	7.83	3.83	6.25	6.44	8.3	4.44	1.91	4.17	7.46
Diluted Market Cap	477	494	676	688	585	837	885	663	840	644	642	719	591	634	777
Diluted Enterprise Value	580	598	834	834	734	998	1,084	776	997	864	891	847	586	627	762
EV per Share	- -	- -	- -	8.23	6.96	19.7	26.59	14.15	21.83	22.02	25.07	19.12	7.02	14.1	27.62
TTM Sales	153	156	156	161	161	165	173	179	174	171	178	199	190	172	188
TTM EBITDA	5	5	5	5	5	4	4	4	10	10	11	11	11	11	11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	61	59	70	55	60	55	62	68	64	62	55	79	64	59	58
TTM Free Cash Flow to Firm	67	63	76	63	64	57	65	71	68	66	58	82	70	64	69

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	7.17	7.86	8.87	10.83	9.17	14.7	13.56	9.3	12.41	9.76	11.02	8.73	8.46	9.86	11.18
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-328	-314	-30	156	132	376	511	273	423	425	483	366	134	268	518
Low Price	19.65	25.1	25.65	31	27.95	25.85	36.25	32.55	33.85	21.5	29.78	29.5	23.78	25.83	27.18
EV/Sales	- -	- -	- -	0.97	0.82	2.28	2.96	1.53	2.42	2.49	2.71	1.83	0.7	1.56	2.76
EV/EBITDA	- -	- -	- -	32.63	29.08	93.21	133.94	66.49	42.53	41.75	45.54	34.67	12.39	23.45	45.2
Price/Earnings	14.42	13.17	16.98	15.55	13.82	19.63	20.49	10.77	14.52	12.27	10.43	9.56	10.07	12.97	12.68
Price/Earnings Average	13.64	13.77	13.98	14.55	14.67	15	18.46	13.41	13.47	11.51	10.81	8.56	9.89	12.02	10.69
Price/Earnings High	16.94	14.97	18.14	16.06	16.5	19.85	21.61	14.84	15.24	16.14	12.98	10.01	12.59	15.15	13.89
Price/Earnings Low	10.1	12.52	12.13	13.28	12.59	11.6	16.15	10.22	11.34	7.91	9.32	7.5	7.71	10.06	8.34
Price/Book Value	2.19	2.14	2.74	2.59	2.06	2.78	2.77	1.86	2.16	1.93	1.74	1.74	1.33	1.36	1.55
Price/Book Value Average	2.07	2.23	2.26	2.42	2.19	2.13	2.49	2.31	2.01	1.81	1.8	1.56	1.3	1.26	1.31
Price/Book Value High	2.57	2.43	2.93	2.67	2.46	2.81	2.92	2.56	2.27	2.53	2.16	1.82	1.66	1.59	1.7
Price/Book Value Low	1.53	2.03	1.96	2.21	1.88	1.64	2.18	1.76	1.69	1.24	1.55	1.36	1.02	1.05	1.02
Price/Tangible Book Value	1.41	1.38	1.87	1.75	1.41	1.93	1.93	1.35	1.56	1.13	1.07	1.2	0.92	0.94	1.13
Price/Tangible Book Value Average	1.33	1.44	1.54	1.63	1.5	1.48	1.74	1.68	1.45	1.06	1.11	1.07	0.9	0.87	0.95
Price/Tangible Book Value High	1.66	1.57	2	1.8	1.69	1.95	2.03	1.86	1.64	1.49	1.33	1.26	1.14	1.09	1.24
Price/Tangible Book Value Low	0.99	1.31	1.34	1.49	1.29	1.14	1.52	1.28	1.22	0.73	0.95	0.94	0.7	0.73	0.74
Price/Sales	3.11	3.17	4.35	4.26	3.63	5.06	5.12	3.7	4.81	3.77	3.6	3.61	3.11	3.69	4.12
Price/Sales Average	2.94	3.31	3.58	3.99	3.85	3.87	4.61	4.61	4.47	3.53	3.73	3.23	3.05	3.42	3.48
Price/Sales High	3.66	3.6	4.64	4.4	4.33	5.12	5.4	5.1	5.05	4.96	4.48	3.78	3.88	4.31	4.52
Price/Sales Low	2.18	3.01	3.11	3.64	3.3	2.99	4.03	3.51	3.76	2.43	3.22	2.83	2.38	2.86	2.71
Price/Cash Flow	7.78	8.43	9.67	12.49	9.73	15.23	14.33	9.79	13.16	10.36	11.59	9.15	9.21	10.66	13.45
Price/Cash Flow Average	7.36	8.82	7.96	11.69	10.32	11.64	12.91	12.18	12.22	9.71	12.01	8.2	9.04	9.87	11.34
Price/Cash Flow High	9.14	9.58	10.33	12.9	11.62	15.4	15.11	13.48	13.81	13.62	14.43	9.58	11.51	12.44	14.74
Price/Cash Flow Low	5.45	8.02	6.91	10.67	8.86	9	11.3	9.29	10.28	6.68	10.36	7.18	7.05	8.26	8.85
Price/Free Cash Flow Average	6.78	8.22	7.3	10.14	9.73	11.23	12.21	11.58	11.52	9.15	11.42	7.82	8.31	9.13	9.43
Price/Free Cash Flow High	8.43	8.93	9.47	11.19	10.95	14.86	14.29	12.81	13.03	12.83	13.72	9.14	10.58	11.51	12.24
Price/Free Cash Flow Low	5.03	7.47	6.34	9.25	8.35	8.68	10.68	8.83	9.69	6.29	9.86	6.85	6.48	7.64	7.35
EV/Sales Average	3.62	3.98	4.59	4.89	4.78	4.85	5.76	5.24	5.37	4.83	5.12	3.87	3.02	3.37	3.4
EV/Sales High	4.33	4.27	5.66	5.3	5.26	6.1	6.55	5.73	5.95	6.25	5.87	4.42	3.86	4.26	4.44
EV/Sales Low	2.85	3.68	4.12	4.54	4.23	3.97	5.19	4.14	4.66	3.72	4.61	3.47	2.35	2.82	2.64
EV/EBITDA Average	114.63	123.39	142.34	165.14	168.88	198.07	260.78	227.96	94.17	80.95	86.2	73.21	53.32	50.69	55.79
EV/EBITDA High	137.26	132.32	175.39	179.09	185.91	249.2	296.42	249.36	104.43	104.8	98.82	83.51	68.01	64.05	72.84
EV/EBITDA Low	90.47	114.09	127.72	153.33	149.57	162.13	234.72	180.31	81.73	62.42	77.59	65.63	41.5	42.33	43.24
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	28.05	26.4	35.9	36.3	30.7	43.75	46	34.3	43.35	33.35	33.31	37.59	31.05	33.31	41.33
High Price	32.95	30	38.35	37.5	36.65	44.25	48.5	47.25	45.5	43.85	41.47	39.36	38.81	38.89	45.27
Enterprise Value Average	554	621	714	789	769	800	995	937	936	824	914	773	575	580	639
Enterprise Value High	664	666	880	855	847	1,006	1,131	1,025	1,038	1,067	1,048	881	734	732	835
Enterprise Value Low	438	574	641	732	681	655	896	741	813	635	823	693	448	484	496

Shares Outstanding	19	19	19	19	19	19	19	19	19	19	19	19	19	19	18
Diluted Weighted Avg Shares	17	19	19	19	19	19	19	19	19	19	19	19	19	19	19
Basic Weighted Avg Shares	17	19	19	19	19	19	19	19	19	19	19	19	19	19	19
Revenue per Share	9.01	8.33	8.26	8.53	8.47	8.64	8.99	9.26	9	8.85	9.26	10.42	10	9.03	10.02
EBITDA per Share	0.28	0.27	0.27	0.25	0.24	0.21	0.2	0.21	0.51	0.53	0.55	0.55	0.57	0.6	0.61
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.94	2	2.11	2.34	2.22	2.23	2.24	3.18	2.99	2.72	3.19	3.93	3.08	2.57	3.26
Basic EPS from Cont Ops	1.94	2	2.11	2.34	2.22	2.23	2.24	3.18	2.99	2.72	3.19	3.93	3.08	2.57	3.26
Diluted EPS, GAAP	1.94	2	2.11	2.33	2.22	2.23	2.24	3.18	2.98	2.72	3.19	3.93	3.08	2.57	3.25
Diluted EPS from Cont Ops	1.94	2	2.11	2.33	2.22	2.23	2.24	3.18	2.98	2.72	3.19	3.93	3.08	2.57	3.25
Dividend per Share	1.25	1.31	1.31	1.31	1.31	1.31	1.31	1.32	1.36	1.36	1.36	1.41	1.44	1.44	1.47
Cash Flow per Share	3.6	3.13	3.71	2.91	3.15	2.87	3.21	3.5	3.29	3.22	2.87	4.11	3.37	3.13	3.07
Free Cash Flow per Basic Share	3.3	2.9	3.37	2.46	2.96	2.77	3.02	3.32	3.09	3.02	2.73	3.91	3.07	2.87	2.44
Cash & Equivalents per Share	56.02	51.68	48.33	38.06	33.79	35.01	32.05	28.53	32.11	25.19	23.68	27.44	26.36	21.32	15.65
Book Value per Share	12.83	12.35	13.08	14.04	14.88	15.74	16.62	18.47	20.05	17.31	19.17	21.63	23.4	24.53	26.67
Tangible Book Value per Share	19.9	19.16	19.21	20.79	21.73	22.64	23.84	25.38	27.79	29.44	31.21	31.36	33.92	35.56	36.61

TrustCo Bank Corp NY

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)