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 Jun 25
- NII(Q) Highest at USD 41.75 MM
- NET SALES(Q) Highest at USD 64.47 MM
- GROSS NPA (%)(Q) Lowest at 0.35%
3
With ROA of 0.53%, it has a fair valuation with a 0.91 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 12.09%, its profits have fallen by -3.9%
4
High Institutional Holdings at 77.28%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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
19.62%
2.28
26.67%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.98%
EBIT Growth (5y)
-3.50%
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
56.14%
Pledged Shares
0
Institutional Holding
77.28%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.91
EV to EBIT
-1.00
EV to EBITDA
-0.81
EV to Capital Employed
-3.65
EV to Sales
-0.20
PEG Ratio
NA
Dividend Yield
4.42%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
7.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 41.75 MM
NET SALES(Q)
Highest at USD 64.47 MM
GROSS NPA (%)
(Q
PRE-TAX PROFIT(Q)
Highest at USD 19.73 MM
NET PROFIT(Q)
Highest at USD 15.04 MM
EPS(Q)
Highest at USD 0.79
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for TrustCo Bank Corp. NY
NII
Highest at USD 41.75 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 64.47 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 0.35%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Pre-Tax Profit
Highest at USD 19.73 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 15.04 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.79
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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