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STOCKS

Trustco Bank Corp NY (TRST)

NASDAQ:TRST

TRST

TrustCo Bank

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TrustCo Bank (TRST) Ratios

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129 Followers

TrustCo Bank Ratios

TRST's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, TRST's free cash flow was decreased by $ and operating cash flow was $-1.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	15.64	3.79	1.86	2.26
Quick Ratio	0.00	15.64	3.79	1.86	2.26
Cash Ratio	0.00	1.33	0.25	0.20	0.22
Solvency Ratio	0.01	0.01	0.02	0.01	0.01
Operating Cash Flow Ratio	0.00	1.73	0.46	0.23	0.29
Short-Term Operating Cash Flow Coverage	0.72	0.00	0.64	0.23	0.29
Net Current Asset Value	$ -5.65B	$ -4.94B	$ -4.75B	$ -5.14B	$ -4.85B
Leverage Ratios
Debt-to-Assets Ratio	0.02	<0.01	0.03	0.05	0.05
Debt-to-Equity Ratio	0.18	0.07	0.29	0.49	0.47
Debt-to-Capital Ratio	0.15	0.06	0.22	0.33	0.32
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.08	0.00	0.00
Financial Leverage Ratio	9.22	9.56	10.00	10.31	10.39
Debt Service Coverage Ratio	0.15	1.28	0.66	0.29	0.26
Interest Coverage Ratio	0.99	1.74	14.74	10.84	2.81
Debt to Market Cap	0.14	0.00	0.24	0.38	0.33
Interest Debt Per Share	9.93	5.20	9.31	15.84	15.14
Net Debt to EBITDA	3.18	-0.05	1.17	2.69	2.77
Profitability Margins
Gross Profit Margin	50.80%	76.83%	100.00%	100.00%	100.00%
EBIT Margin	35.45%	40.81%	52.34%	46.05%	40.67%
EBITDA Margin	27.52%	46.49%	57.90%	51.99%	46.61%
Operating Profit Margin	49.12%	49.68%	50.19%	46.05%	40.67%
Pretax Profit Margin	48.53%	40.81%	52.34%	46.05%	40.67%
Net Profit Margin	37.01%	30.84%	39.61%	34.49%	30.72%
Continuous Operations Profit Margin	37.01%	30.84%	39.61%	34.49%	30.72%
Net Income Per EBT	76.27%	75.56%	75.68%	74.90%	75.53%
EBT Per EBIT	98.80%	82.16%	104.29%	100.00%	100.00%
Return on Assets (ROA)	0.80%	0.95%	1.25%	0.99%	0.89%
Return on Equity (ROE)	7.59%	9.09%	12.54%	10.23%	9.23%
Return on Capital Employed (ROCE)	1.07%	1.54%	1.64%	1.38%	1.22%
Return on Invested Capital (ROIC)	62.72%	1.16%	10.63%	6.44%	5.14%
Return on Tangible Assets	0.80%	0.95%	1.25%	0.99%	0.89%
Earnings Yield	8.55%	9.93%	10.46%	9.59%	8.15%
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	1.91	2.55	2.46	2.20	2.07
Asset Turnover	0.02	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	0.68	0.37	0.55	0.74	0.46
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	3.13	3.37	4.11	2.87	3.22
Free Cash Flow Per Share	3.00	3.07	3.91	2.73	3.02
CapEx Per Share	0.12	0.30	0.20	0.15	0.20
Free Cash Flow to Operating Cash Flow	0.96	0.91	0.95	0.95	0.94
Dividend Paid and CapEx Coverage Ratio	2.00	1.94	2.55	1.90	2.06
Capital Expenditure Coverage Ratio	25.36	11.32	20.77	19.49	16.23
Operating Cash Flow Coverage Ratio	0.49	1.44	0.46	0.19	0.23
Operating Cash Flow to Sales Ratio	0.43	0.34	0.41	0.31	0.36
Free Cash Flow Yield	9.57%	9.90%	10.41%	8.19%	9.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.70	10.07	9.56	10.43	12.27
Price-to-Sales (P/S) Ratio	4.33	3.11	3.79	3.60	3.77
Price-to-Book (P/B) Ratio	0.87	0.92	1.20	1.07	1.13
Price-to-Free Cash Flow (P/FCF) Ratio	10.45	10.10	9.61	12.21	11.04
Price-to-Operating Cash Flow Ratio	10.03	9.21	9.15	11.59	10.36
Price-to-Earnings Growth (PEG) Ratio	2.73	-0.47	0.41	0.60	-1.36
Price-to-Fair Value	0.87	0.92	1.20	1.07	1.13
Enterprise Value Multiple	18.92	6.63	7.71	9.61	10.86
Enterprise Value	717.06M	585.89M	847.39M	890.57M	864.04M
EV to EBITDA	18.92	6.63	7.71	9.61	10.86
EV to Sales	5.21	3.08	4.46	4.99	5.06
EV to Free Cash Flow	12.56	10.02	11.32	16.96	14.81
EV to Operating Cash Flow	12.06	9.14	10.78	16.09	13.90
Tangible Book Value Per Share	36.16	33.92	31.36	31.21	29.44
Shareholders’ Equity Per Share	36.16	33.92	31.36	31.21	29.44
Tax and Other Ratios
Effective Tax Rate	0.24	0.24	0.24	0.25	0.24
Revenue Per Share	7.24	10.00	9.93	9.26	8.85
Net Income Per Share	2.68	3.08	3.93	3.19	2.72
Tax Burden	0.76	0.76	0.76	0.75	0.76
Interest Burden	1.37	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	0.29	0.29	0.26	0.34	0.33
Stock-Based Compensation to Revenue	<0.01	<0.01	0.02	0.02	<0.01
Income Quality	1.22	1.09	1.05	0.90	1.19

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