TrustCo Bank Corp NY
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
12.32
Price/Sales ratio
3.63
Earnings per Share (EPS)
$2.87

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
15.5413.8219.6220.4910.7714.5112.2710.429.5510.0713.4010.77
Price/Sales ratio
4.253.625.065.113.704.813.763.593.783.104.713.70
Price/Book Value ratio
1.741.411.931.921.351.561.131.061.190.910.941.56
Price/Cash Flow ratio
13.869.7315.2314.339.7813.1610.3511.589.149.2110.099.78
Price/Free Cash Flow ratio
16.7310.3715.8215.2210.3414.0111.0312.219.6010.1010.6010.34
Price/Earnings Growth ratio
1.42-2.6943.5622.850.26-2.42-1.350.600.41-0.460.13-2.42
Dividend Yield
3.61%4.27%2.99%2.84%3.86%3.14%4.09%4.09%3.75%4.63%4.30%3.86%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%76.83%82.41%100%
Operating Profit Margin
53.96%51.51%50.64%52.87%55.87%43.87%40.67%46.05%50.18%49.67%47.60%47.60%
Pretax Profit Margin
44.36%41.46%41.37%44.42%44.55%43.87%40.67%46.05%52.33%40.81%46.13%44.55%
Net Profit Margin
27.38%26.23%25.80%24.97%34.37%33.16%30.71%34.49%39.60%30.84%35.15%34.37%
Effective Tax Rate
38.26%36.73%37.61%43.78%22.86%24.40%24.47%25.09%24.32%24.43%23.79%22.86%
Return on Assets
0.95%0.89%0.87%0.87%1.23%1.10%0.88%0.99%1.25%0.95%0.77%1.10%
Return On Equity
11.23%10.21%9.84%9.41%12.54%10.74%9.23%10.23%12.53%9.08%7.24%10.74%
Return on Capital Employed
1.95%1.82%1.79%1.95%2.08%1.50%1.22%1.38%1.63%1.54%1.06%1.50%
Liquidity Ratios
Current Ratio
0.230.210.230.180.300.320.21N/AN/AN/A5.710.30
Quick Ratio
3.803.363.192.533.404.182.261.863.7815.635.713.40
Cash ratio
0.230.210.230.180.300.320.210.190.251.330.540.30
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.040.040.040.040.030.020.030.030.02N/A0.010.02
Debt Equity Ratio
0.480.460.480.530.330.270.370.400.28N/A0.130.27
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/A0.07N/AN/AN/A
Total Debt to Capitalization
0.320.310.320.340.240.210.270.280.22N/A0.120.21
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.72N/A
Cash Flow to Debt Ratio
0.260.310.260.250.410.420.280.220.45N/A0.680.41
Company Equity Multiplier
11.8011.4511.2510.7010.129.7010.3810.3010.009.559.139.70
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.300.370.330.350.370.360.360.310.410.330.460.37
Free Cash Flow / Operating Cash Flow Ratio
0.820.930.960.940.940.930.930.940.950.910.950.94
Cash Flow Coverage Ratio
0.260.310.260.250.410.420.280.220.45N/A0.680.41
Short Term Coverage Ratio
0.260.310.260.250.410.420.280.220.64N/A0.680.41
Dividend Payout Ratio
56.23%59.07%58.83%58.40%41.61%45.61%50.20%42.71%35.87%46.70%57.85%41.61%