Trustco Bank Corp Stock Analysis

TRST Stock  USD 37.24  0.30  0.80%   
TrustCo Bank Corp is overvalued with Real Value of 33.02 and Target Price of 26.0. The main objective of TrustCo Bank stock analysis is to determine its intrinsic value, which is an estimate of what TrustCo Bank Corp is worth, separate from its market price. There are two main types of TrustCo Bank's stock analysis: fundamental analysis and technical analysis.
The TrustCo Bank stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. TrustCo Bank is usually not traded on Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day. TrustCo Stock trading window is adjusted to America/New York timezone.
  
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in 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.

TrustCo Stock Analysis Notes

About 75.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.06. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. TrustCo Bank Corp last dividend was issued on the 6th of September 2024. The entity had 1:5 split on the 28th of May 2021. TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company was founded in 1902 and is headquartered in Glenville, New York. Trustco Bank operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 753 people. To find out more about TrustCo Bank Corp contact Robert McCormick at 518 377 3311 or learn more at https://www.trustcobank.com.

TrustCo Bank Quarterly Total Revenue

2.57 Million

TrustCo Bank Corp Investment Alerts

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 Corp Upcoming and Recent Events

22nd of April 2024
Upcoming Quarterly Report
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22nd of July 2024
Next Financial Report
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31st of March 2024
Next Fiscal Quarter End
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27th of January 2025
Next Fiscal Year End
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31st of December 2023
Last Quarter Report
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31st of December 2023
Last Financial Announcement
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TrustCo Largest EPS Surprises

Earnings surprises can significantly impact TrustCo Bank's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2015-10-21
2015-09-300.50.550.0510 
2013-10-21
2013-09-300.50.550.0510 
2011-10-21
2011-09-300.450.50.0511 
View All Earnings Estimates

TrustCo Bank Environmental, Social, and Governance (ESG) Scores

TrustCo Bank's ESG score is a quantitative measure that evaluates TrustCo Bank's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of TrustCo Bank's operations that may have significant financial implications and affect TrustCo Bank's stock price as well as guide investors towards more socially responsible investments.

TrustCo Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Royce & Associates, Lp2024-09-30
260.3 K
Aqr Capital Management Llc2024-09-30
247.8 K
Northern Trust Corp2024-09-30
233.5 K
Bank Of New York Mellon Corp2024-09-30
223.1 K
Morgan Stanley - Brokerage Accounts2024-09-30
193.6 K
Arrowstreet Capital Limited Partnership2024-09-30
170.4 K
Charles Schwab Investment Management Inc2024-09-30
170.4 K
Brandywine Global Investment Mgmt Llc2024-09-30
121 K
Bridgeway Capital Management, Llc2024-09-30
118.3 K
Blackrock Inc2024-06-30
2.7 M
Vanguard Group Inc2024-09-30
1.3 M
Note, although TrustCo Bank's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

TrustCo Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 689.89 M.

TrustCo Profitablity

The company has Profit Margin (PM) of 0.28 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.42 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.42.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.02  0.01 
Return On Assets 0.01  0.01 
Return On Equity 0.09  0.17 

Management Efficiency

At this time, TrustCo Bank's Return On Tangible Assets are comparatively stable compared to the past year. Return On Assets is likely to gain to 0.01 in 2024, whereas Return On Capital Employed is likely to drop 0.01 in 2024. At this time, TrustCo Bank's Non Current Liabilities Total is comparatively stable compared to the past year. Change To Liabilities is likely to gain to about 7.8 M in 2024, whereas Total Current Liabilities is likely to drop slightly above 35.1 M in 2024. TrustCo Bank's management efficiency ratios could be used to measure how well TrustCo Bank manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 33.92  35.62 
Tangible Book Value Per Share 33.92  35.62 
Enterprise Value Over EBITDA 6.63  12.17 
Price Book Value Ratio 0.92  0.87 
Enterprise Value Multiple 6.63  12.17 
Price Fair Value 0.92  0.87 
Enterprise Value762.6 M397 M
Leadership at TrustCo Bank emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Dividend Yield
0.0396
Operating Margin
0.4227
Profit Margin
0.2811
Forward Dividend Yield
0.0396
Beta
0.821

Technical Drivers

As of the 3rd of December, TrustCo Bank has the Risk Adjusted Performance of 0.0619, coefficient of variation of 1381.13, and Semi Deviation of 1.33. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of TrustCo Bank Corp, as well as the relationship between them.

TrustCo Bank Corp Price Movement Analysis

Execute Study
The output start index for this execution was twenty-seven with a total number of output elements of thirty-four. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. TrustCo Bank middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for TrustCo Bank Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

TrustCo Bank Corp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific TrustCo Bank insiders, such as employees or executives, is commonly permitted as long as it does not rely on TrustCo Bank's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases TrustCo Bank insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

TrustCo Bank Outstanding Bonds

TrustCo Bank issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. TrustCo Bank Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most TrustCo bonds can be classified according to their maturity, which is the date when TrustCo Bank Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

TrustCo Bank Predictive Daily Indicators

TrustCo Bank intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of TrustCo Bank stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

TrustCo Bank Corporate Filings

F4
25th of November 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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F4
21st of November 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
19th of November 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
14th of November 2024
Other Reports
ViewVerify
F4
12th of November 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
8th of November 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
21st of October 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
10th of October 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

TrustCo Bank Forecast Models

TrustCo Bank's time-series forecasting models are one of many TrustCo Bank's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary TrustCo Bank's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About TrustCo Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how TrustCo Bank prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling TrustCo shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as TrustCo Bank. By using and applying TrustCo Stock analysis, traders can create a robust methodology for identifying TrustCo entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.41  0.36 
Operating Profit Margin 0.50  0.47 
Net Profit Margin 0.31  0.25 
Gross Profit Margin 0.88  0.84 

Current TrustCo Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. TrustCo analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. TrustCo analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
26.0Strong Sell0Odds
TrustCo Bank Corp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most TrustCo analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand TrustCo stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of TrustCo Bank Corp, talking to its executives and customers, or listening to TrustCo conference calls.
TrustCo Analyst Advice Details

TrustCo Stock Analysis Indicators

TrustCo Bank Corp stock analysis indicators help investors evaluate how TrustCo Bank stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading TrustCo Bank shares will generate the highest return on investment. By understating and applying TrustCo Bank stock analysis, traders can identify TrustCo Bank position entry and exit signals to maximize returns.
Begin Period Cash Flow650.6 M
Total Stockholder Equity645.3 M
Capital Lease Obligations44.5 M
Property Plant And Equipment Net74.5 M
Cash And Short Term Investments578 M
Cash49.3 M
50 Day M A33.817
Net Interest Income182.4 M
Total Current Liabilities37 M
Investments-305.4 M
Interest Expense54.4 M
Stock Based Compensation103 K
Common Stock Shares Outstanding19 M
Tax Provision22.5 M
Quarterly Earnings Growth Y O Y-0.12
Free Cash Flow58.5 M
Operating Income94.5 M
Other Current Assets578 M
Net Debt-4.8 M
Depreciation10.8 M
Other Operating Expenses94.4 M
Non Current Assets Total5.6 B
Liabilities And Stockholders Equity6.2 B
Home CategoryDomestic
Non Currrent Assets Other5.5 B

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.