TrustCo Bank Corp NY
NASDAQ Global SelectTotal Valuation
TrustCo Bank Corp NY carries a market capitalization of 951.50M, placing it among publicly traded companies globally. Its enterprise value stands at 687.55M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 951.50M |
| Enterprise Value | 687.55M |
Share Statistics
TrustCo Bank Corp NY currently has 17.51M shares outstanding.
| Shares Outstanding | 17.51M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
TrustCo Bank Corp NY trades at a trailing price-to-earnings ratio of 12.79. The price-to-sales ratio is 4.20, and the price-to-book ratio stands at 1.59.
| PE Ratio | 12.79 |
| PS Ratio | 4.20 |
| PB Ratio | 1.59 |
| P/TBV Ratio | 1.20 |
| P/FCF Ratio | 10.51 |
| P/OCF Ratio | 11.86 |
Enterprise Valuation
On an enterprise value basis, TrustCo Bank Corp NY trades at an EV/EBITDA multiple of 59.55 and an EV/FCF ratio of 8.92.
| EV / Sales | 3.58 |
| EV / EBITDA | 59.55 |
| EV / EBIT | N/A |
| EV / FCF | 8.92 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 22.19 |
| Debt / EBITDA | 12.89 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 12.84 |
| Return on Assets (ROA) | 0.98 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, TrustCo Bank Corp NY has paid 20.57M in income taxes, reflecting an effective tax rate of 24.57.
| Income Tax | 20.57M |
| Effective Tax Rate | 24.57 |
Stock Price Statistics
TrustCo Bank Corp NY's stock has gained approximately 54.59966% over the past 52 weeks. The 50-day moving average sits at 50.88, while the 200-day moving average is 44.14.
| Beta (5Y) | N/A |
| 52-Week Price Change | 54.59966% |
| 50-Day Moving Average | 50.88 |
| 200-Day Moving Average | 44.14 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, TrustCo Bank Corp NY generated 192.12M in revenue and converted that into 63.15M in net income, yielding earnings per share of 3.41.
| Revenue | 192.12M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 83.71M |
| Net Income | 63.15M |
| EBITDA | 11.55M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 3.41 |
Balance Sheet
TrustCo Bank Corp NY holds 269.13M in cash and equivalents against 148.85M in total debt, resulting in a net debt position of 69.77M.
| Cash & Cash Equivalents | 269.13M |
| Total Debt | 148.85M |
| Net Debt | 69.77M |
| Equity (Book Value) | 509.66M |
| Book Value Per Share | 27.62 |
| Working Capital | N/A |
Cash Flow
TrustCo Bank Corp NY produced 68.14M in operating cash flow over the past twelve months. After subtracting -8.96M in capital expenditures, free cash flow totaled 59.18M - equivalent to 3.21 per share.
| Operating Cash Flow | 68.14M |
| Capital Expenditures | -8.96M |
| Free Cash Flow | 59.18M |
| FCF Per Share | 3.21 |
Margins
TrustCo Bank Corp NY operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 43.57 |
| Profit Margin | 32.87 |
| EBITDA Margin | 6.01 |
Dividends & Yields
The company's payout ratio of 43.60 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.49 |
| Dividend Yield | N/A |
| Payout Ratio | 43.60 |
| Shareholder Yield | -11.95 |
| FCF Yield | 9.52 |
Stock Splits
TrustCo Bank Corp NY's most recent stock split took place on May 28, 2021 with a 5:1 split ratio.
| Last Split Date | 5/28/2021 |
| Split Ratio | 5:1 |
Scores
TrustCo Bank Corp NY posts an Altman Z-Score of 0.22, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.22 |