TRST Valuation

TrustCo Bank Corp NY

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36.060

+0.06(0.167%)1D

Overview
Forecast
Valuation
Earnings

TRST Relative Valuation

TRST's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, TRST is overvalued; if below, it's undervalued.

Historical Valuation

TrustCo Bank Corp NY (TRST) is now in the Fair zone, suggesting that its current forward PE ratio of 11.02 is considered Fairly compared with the five-year average of 10.98. The fair price of TrustCo Bank Corp NY (TRST) is between 32.46 to 40.65 according to relative valuation methord.

Relative Value

Fair Zone

32.46-40.65

Current Price：36.00

Fair

11.02

Trailing

Forward

0.00

EV/EBITDA

TrustCo Bank Corp NY. (TRST) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

TrustCo Bank Corp NY. (TRST) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

3.20

TrustCo Bank Corp NY. (TRST) has a current PS of 3.20. The 5-year average PS is 3.34. The thresholds are as follows: Strongly Undervalued below 2.61, Undervalued between 2.61 and 2.98, Fairly Valued between 3.71 and 2.98, Overvalued between 3.71 and 4.07, and Strongly Overvalued above 4.07. The current Forward PS of 3.20 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

TrustCo Bank Corp NY. (TRST) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

TrustCo Bank Corp NY. (TRST) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

TrustCo Bank Corp NY (TRST) has a current Price-to-Book (P/B) ratio of 0.87. Compared to its 3-year average P/B ratio of 0.94 , the current P/B ratio is approximately -7.20% higher. Relative to its 5-year average P/B ratio of 1.01, the current P/B ratio is about -13.14% higher. TrustCo Bank Corp NY (TRST) has a Forward Free Cash Flow (FCF) yield of approximately 7.00%. Compared to its 3-year average FCF yield of 9.78%, the current FCF yield is approximately -28.40% lower. Relative to its 5-year average FCF yield of 9.39% , the current FCF yield is about -25.47% lower.

0.87

P/B

Median3y

0.94

Median5y

1.01

7.00

FCF Yield

Median3y

9.78

Median5y

9.39

Competitors Valuation Multiple

The average P/S ratio for TRST's competitors is 3.08, providing a benchmark for relative valuation. TrustCo Bank Corp NY Corp (TRST) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 9.87%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Southern Missouri Bancorp Inc

Northfield Bancorp Inc

Capitol Federal Financial Inc

Third Coast Bancshares Inc

2.59

26.91%

531.92M

Performance Decomposition

Market capitalization of TRST increased by 3.50% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 37.54M to 41.25M.

The secondary factor is the Margin Expansion, contributed 7.15%to the performance.

Overall, the performance of TRST in the past 1 year is driven by Revenue Growth. Which is more sustainable.

9.87%

37.54M → 41.25M

Revenue Growth

7.15%

32.30 → 34.61

Margin Expansion

-13.52%

13.65 → 11.81

P/E Change

3.50%