Trustco Bank Corp Stock Buy Hold or Sell Recommendation
| TRST Stock | USD 37.24 0.32 0.85% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding TrustCo Bank Corp is 'Strong Hold'. A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell TrustCo Bank Corp given historical horizon and risk tolerance towards TrustCo Bank. When Macroaxis issues a 'buy' or 'sell' recommendation for TrustCo Bank Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out TrustCo Bank Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as TrustCo and provide practical buy, sell, or hold advice based on investors' constraints. TrustCo Bank Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.
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Execute TrustCo Bank Buy or Sell Advice
The TrustCo recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on TrustCo Bank Corp. Macroaxis does not own or have any residual interests in TrustCo Bank Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute TrustCo Bank's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Modest | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
TrustCo Bank Trading Alerts and Improvement Suggestions
| TrustCo Bank Corp has a strong financial position based on the latest SEC filings | |
| About 75.0% of the company shares are owned by institutional investors | |
| Latest headline from seekingalpha.com: TrustCo Bank declares 0.36 dividend |
TrustCo Bank Returns Distribution Density
The distribution of TrustCo Bank's historical returns is an attempt to chart the uncertainty of TrustCo Bank's future price movements. The chart of the probability distribution of TrustCo Bank daily returns describes the distribution of returns around its average expected value. We use TrustCo Bank Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of TrustCo Bank returns is essential to provide solid investment advice for TrustCo Bank.
| Mean Return | 0.16 | Value At Risk | -2.27 | Potential Upside | 2.73 | Standard Deviation | 2.21 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of TrustCo Bank historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
TrustCo Stock Institutional Investors
The TrustCo Bank's institutional investors refer to entities that pool money to purchase TrustCo Bank's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| Shares | Goldman Sachs Group Inc | 2024-06-30 | 298.5 K | Royce & Associates, Lp | 2024-09-30 | 260.3 K | Bank Of New York Mellon Corp | 2024-06-30 | 243.2 K | Northern Trust Corp | 2024-09-30 | 233.5 K | Verition Fund Managegment, Llc | 2024-06-30 | 214.6 K | Charles Schwab Investment Management Inc | 2024-09-30 | 170.4 K | Arrowstreet Capital Limited Partnership | 2024-06-30 | 146.1 K | Brandywine Global Investment Mgmt Llc | 2024-09-30 | 121 K | Bridgeway Capital Management, Llc | 2024-09-30 | 118.3 K | Blackrock Inc | 2024-06-30 | 2.7 M | Vanguard Group Inc | 2024-09-30 | 1.3 M |
TrustCo Bank Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (46.9M) | 650.3M | 112.4M | (568.9M) | (72.6M) | (69.0M) | |
| Free Cash Flow | 59.9M | 58.3M | 52.5M | 74.8M | 58.5M | 54.2M | |
| Depreciation | 9.9M | 10.2M | 10.6M | 10.6M | 10.8M | 11.3M | |
| Other Non Cash Items | 2.2M | 8.1M | (216K) | 1.6M | 2.9M | 2.7M | |
| Dividends Paid | 26.4M | 26.3M | 26.3M | 27.0M | (27.4M) | (26.0M) | |
| Capital Expenditures | 3.9M | 3.8M | 2.8M | 3.8M | 5.7M | 5.4M | |
| Net Income | 57.8M | 52.5M | 61.5M | 75.2M | 58.6M | 43.6M | |
| End Period Cash Flow | 456.8M | 1.1B | 1.2B | 650.6M | 578.0M | 513.1M | |
| Change To Netincome | 3.3M | 7.0M | (6.2M) | 3.4M | 3.1M | 2.9M | |
| Investments | (248.8M) | (35.3M) | (173.2M) | (413.9M) | (305.4M) | (290.1M) | |
| Net Borrowings | (13.2M) | 66.1M | 29.9M | (122.0M) | (109.8M) | (104.3M) |
TrustCo Bank Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to TrustCo Bank or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that TrustCo Bank's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a TrustCo stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.11 | |
β | Beta against Dow Jones | 2.00 | |
σ | Overall volatility | 2.26 | |
Ir | Information ratio | 0.01 |
TrustCo Bank Volatility Alert
TrustCo Bank Corp has relatively low volatility with skewness of 3.12 and kurtosis of 18.47. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure TrustCo Bank's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact TrustCo Bank's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.TrustCo Bank Fundamentals Vs Peers
Comparing TrustCo Bank's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze TrustCo Bank's direct or indirect competition across all of the common fundamentals between TrustCo Bank and the related equities. This way, we can detect undervalued stocks with similar characteristics as TrustCo Bank or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of TrustCo Bank's fundamental indicators could also be used in its relative valuation, which is a method of valuing TrustCo Bank by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare TrustCo Bank to competition |
| Fundamentals | TrustCo Bank | Peer Average |
| Return On Equity | 0.0733 | -0.31 |
| Return On Asset | 0.0078 | -0.14 |
| Profit Margin | 0.28 % | (1.27) % |
| Operating Margin | 0.42 % | (5.51) % |
| Current Valuation | 299.84 M | 16.62 B |
| Shares Outstanding | 19.01 M | 571.82 M |
| Shares Owned By Insiders | 3.28 % | 10.09 % |
| Shares Owned By Institutions | 74.92 % | 39.21 % |
| Number Of Shares Shorted | 115.91 K | 4.71 M |
| Price To Earning | 69.51 X | 28.72 X |
| Price To Book | 1.07 X | 9.51 X |
| Price To Sales | 4.20 X | 11.42 X |
| Revenue | 190.16 M | 9.43 B |
| Gross Profit | 199.74 M | 27.38 B |
| EBITDA | 88.4 M | 3.9 B |
| Net Income | 58.65 M | 570.98 M |
| Cash And Equivalents | 841.26 M | 2.7 B |
| Cash Per Share | 44.16 X | 5.01 X |
| Total Debt | 44.47 M | 5.32 B |
| Debt To Equity | 10.46 % | 48.70 % |
| Book Value Per Share | 35.19 X | 1.93 K |
| Cash Flow From Operations | 64.13 M | 971.22 M |
| Short Ratio | 2.90 X | 4.00 X |
| Earnings Per Share | 2.48 X | 3.12 X |
| Price To Earnings To Growth | 3.73 X | 4.89 X |
| Target Price | 26.0 | |
| Number Of Employees | 735 | 18.84 K |
| Beta | 0.82 | -0.15 |
| Market Capitalization | 689.89 M | 19.03 B |
| Total Asset | 6.17 B | 29.47 B |
| Retained Earnings | 425.07 M | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 3.78 % |
Note: Disposition of 450 shares by Kevin Curley of TrustCo Bank at 36.77 subject to Rule 16b-3 [view details]
TrustCo Bank Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as TrustCo . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 1040.26 | |||
| Daily Balance Of Power | (0.44) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 37.34 | |||
| Day Typical Price | 37.31 | |||
| Price Action Indicator | (0.26) | |||
| Period Momentum Indicator | (0.32) | |||
| Relative Strength Index | 63.42 |
About TrustCo Bank Buy or Sell Advice
When is the right time to buy or sell TrustCo Bank Corp? Buying financial instruments such as TrustCo Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Additional Tools for TrustCo Stock Analysis
When running TrustCo Bank's price analysis, check to measure TrustCo Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy TrustCo Bank is operating at the current time. Most of TrustCo Bank's value examination focuses on studying past and present price action to predict the probability of TrustCo Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move TrustCo Bank's price. Additionally, you may evaluate how the addition of TrustCo Bank to your portfolios can decrease your overall portfolio volatility.