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
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- NII(Q) Highest at USD 44.71 MM
- OPERATING CASH FLOW(Y) Highest at USD 68.14 MM
- ROCE(HY) Highest at 0.98%
3
With ROA of 0.56%, it has a fair valuation with a 1.15 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 70.00%, its profits have risen by 25.2% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 84.41%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 70.00% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
TrustCo Bank Corp. NY
70.0%
3.79
25.74%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.79%
EBIT Growth (5y)
-1.40%
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
45.49%
Pledged Shares
0
Institutional Holding
84.41%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.15
EV to EBIT
3.46
EV to EBITDA
2.84
EV to Capital Employed
2.36
EV to Sales
0.71
PEG Ratio
0.44
Dividend Yield
3.60%
ROCE (Latest)
68.32%
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
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at USD 44.71 MM
OPERATING CASH FLOW(Y)
Highest at USD 68.14 MM
ROCE(HY)
Highest at 0.98%
NET SALES(Q)
Highest at USD 66.23 MM
OPERATING PROFIT(Q)
Highest at USD 21.62 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.64 %
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 21.62 MM
NET PROFIT(Q)
Highest at USD 16.29 MM
EPS(Q)
Highest at USD 0.91
-4What is not working for the Company
ROCE(HY)
Lowest at 0.98%
GROSS NPA (%)
(Q
Here's what is working for TrustCo Bank Corp. NY
NII
Highest at USD 44.71 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 66.23 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 21.62 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32.64 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Operating Cash Flow
Highest at USD 68.14 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Pre-Tax Profit
Highest at USD 21.62 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 16.29 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.91
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
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
Non Performing Loans (%)
Highest at 0.41%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Capital Adequacy Ratio
Lowest at 17.79%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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