ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TrustCo Bank Corp. NY ?
1
The Bank has a high Capital Adequacy Ratio of 19.24% signifying high buffers against its risk based assets
2
Positive results in Dec 25
- NII(Q) Highest at USD 43.73 MM
- ROCE(HY) Highest at 0.96%
- NET SALES(Q) Highest at USD 66.09 MM
3
With ROA of 0.78%, it has a fair valuation with a 1.22 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 43.22%, its profits have risen by 25.2% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 82.01%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.92% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 43.22% in the last 1 year, much higher than market (S&P 500) returns of 18.81%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to TrustCo Bank Corp. NY should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is TrustCo Bank Corp. NY for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
TrustCo Bank Corp. NY
43.22%
2.41
26.76%
S&P 500
18.81%
0.98
19.26%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.79%
EBIT Growth (5y)
-0.60%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
45.54%
Pledged Shares
0
Institutional Holding
82.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.22
EV to EBIT
3.94
EV to EBITDA
3.42
EV to Capital Employed
3.17
EV to Sales
0.85
PEG Ratio
0.47
Dividend Yield
3.41%
ROCE (Latest)
80.40%
ROE (Latest)
8.90%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at USD 43.73 MM
ROCE(HY)
Highest at 0.96%
NET SALES(Q)
Highest at USD 66.09 MM
GROSS NPA (%)
(Q
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 21.05 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.86 %
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 41.13 MM
ROCE(HY)
Lowest at 0.96%
Here's what is working for TrustCo Bank Corp. NY
NII
Highest at USD 43.73 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 66.09 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Non Performing Loans (%)
Lowest at 0.34%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at USD 21.05 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.86 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for TrustCo Bank Corp. NY
Operating Cash Flow
Lowest at USD 41.13 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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