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STOCKS

Trustco Bank Corp NY (TRST)

NASDAQ:TRST

TRST

TrustCo Bank

RESEARCH TOOLSreports

TrustCo Bank (TRST) Ratios

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133 Followers

TrustCo Bank Ratios

TRST's free cash flow for Q3 2025 was $0.67. For the 2025 fiscal year, TRST's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	3.01	0.06	0.09	3.79	1.86
Quick Ratio	3.01	0.06	0.09	3.79	1.86
Cash Ratio	0.42	<0.01	<0.01	0.25	0.20
Solvency Ratio	0.01	0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	0.46	0.01	0.01	0.46	0.23
Short-Term Operating Cash Flow Coverage	0.46	0.70	0.72	0.64	0.23
Net Current Asset Value	$ -5.39B	$ -5.22B	$ -5.02B	$ -4.75B	$ -5.14B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.02	0.02	0.03	0.05
Debt-to-Equity Ratio	0.28	0.18	0.21	0.29	0.49
Debt-to-Capital Ratio	0.22	0.16	0.17	0.22	0.33
Long-Term Debt-to-Capital Ratio	0.05	0.00	0.00	0.08	0.00
Financial Leverage Ratio	9.38	9.22	9.56	10.00	10.31
Debt Service Coverage Ratio	0.33	0.34	0.48	0.66	0.29
Interest Coverage Ratio	0.89	0.70	1.43	14.74	10.84
Debt to Market Cap	0.20	0.13	0.15	0.24	0.38
Interest Debt Per Share	15.50	11.37	9.87	9.31	15.84
Net Debt to EBITDA	1.59	1.03	0.95	1.17	2.69
Profitability Margins
Gross Profit Margin	65.90%	64.52%	77.26%	100.00%	100.00%
EBIT Margin	38.44%	24.34%	31.74%	52.34%	46.05%
EBITDA Margin	42.49%	28.68%	36.15%	57.90%	51.99%
Operating Profit Margin	38.44%	24.34%	31.74%	50.19%	46.05%
Pretax Profit Margin	38.44%	24.34%	31.74%	52.34%	46.05%
Net Profit Margin	29.08%	18.56%	23.98%	39.61%	34.49%
Continuous Operations Profit Margin	29.08%	18.56%	23.98%	39.61%	34.49%
Net Income Per EBT	75.65%	76.25%	75.56%	75.68%	74.90%
EBT Per EBIT	100.00%	100.00%	100.00%	104.29%	100.00%
Return on Assets (ROA)	0.95%	0.78%	0.95%	1.25%	0.99%
Return on Equity (ROE)	8.86%	7.22%	9.09%	12.54%	10.23%
Return on Capital Employed (ROCE)	1.28%	8.39%	10.65%	1.64%	1.38%
Return on Invested Capital (ROIC)	14.04%	5.76%	7.17%	10.63%	6.44%
Return on Tangible Assets	0.95%	0.78%	0.95%	1.25%	0.99%
Earnings Yield	7.91%	7.71%	9.93%	10.46%	9.59%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.83	3.74	3.28	2.46	2.20
Asset Turnover	0.03	0.04	0.04	0.03	0.03
Working Capital Turnover Ratio	-0.08	-0.05	-0.05	0.55	0.74
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	3.04	3.13	3.37	4.11	2.87
Free Cash Flow Per Share	2.39	2.87	3.07	3.91	2.73
CapEx Per Share	0.65	0.26	0.30	0.20	0.15
Free Cash Flow to Operating Cash Flow	0.79	0.92	0.91	0.95	0.95
Dividend Paid and CapEx Coverage Ratio	1.42	1.84	1.94	2.55	1.90
Capital Expenditure Coverage Ratio	4.69	12.17	11.32	20.77	19.49
Operating Cash Flow Coverage Ratio	0.29	0.48	0.48	0.46	0.19
Operating Cash Flow to Sales Ratio	0.26	0.23	0.26	0.41	0.31
Free Cash Flow Yield	5.60%	8.61%	9.90%	10.41%	8.19%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.64	12.97	10.07	9.56	10.43
Price-to-Sales (P/S) Ratio	3.71	2.41	2.42	3.79	3.60
Price-to-Book (P/B) Ratio	1.13	0.94	0.92	1.20	1.07
Price-to-Free Cash Flow (P/FCF) Ratio	17.86	11.61	10.10	9.61	12.21
Price-to-Operating Cash Flow Ratio	13.94	10.66	9.21	9.15	11.59
Price-to-Earnings Growth (PEG) Ratio	1.45	-0.78	-0.47	0.41	0.60
Price-to-Fair Value	1.13	0.94	0.92	1.20	1.07
Enterprise Value Multiple	10.31	9.42	7.63	7.71	9.61
Enterprise Value	921.60M	711.07M	674.88M	847.39M	890.57M
EV to EBITDA	10.31	9.42	7.63	7.71	9.61
EV to Sales	4.38	2.70	2.76	4.46	4.99
EV to Free Cash Flow	21.11	13.03	11.54	11.32	16.96
EV to Operating Cash Flow	16.61	11.96	10.52	10.78	16.09
Tangible Book Value Per Share	37.57	35.56	33.92	31.36	31.21
Shareholders’ Equity Per Share	37.57	35.56	33.92	31.36	31.21
Tax and Other Ratios
Effective Tax Rate	0.24	0.24	0.24	0.24	0.25
Revenue Per Share	11.51	13.84	12.85	9.93	9.26
Net Income Per Share	3.35	2.57	3.08	3.93	3.19
Tax Burden	0.76	0.76	0.76	0.76	0.75
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.19	0.20	0.23	0.26	0.34
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.02	0.02
Income Quality	0.98	1.22	1.09	1.05	0.90

Currency in USD