TrustCo Bank Valuation
| TRST Stock | USD 36.50 0.73 1.96% |
At this time, the company appears to be overvalued. TrustCo Bank Corp has a current Real Value of $32.81 per share. The regular price of the company is $36.5. Our model measures the value of TrustCo Bank Corp from inspecting the company fundamentals such as Return On Equity of 0.0733, operating margin of 0.42 %, and Shares Outstanding of 19.01 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting TrustCo Bank's valuation include:
Price Book 1.0582 | Enterprise Value 299.8 M | Price Sales 4.198 | Trailing PE 14.6331 | Enterprise Value Revenue 4.9018 |
Overvalued
Today
Please note that TrustCo Bank's price fluctuation is very steady at this time. Calculation of the real value of TrustCo Bank Corp is based on 3 months time horizon. Increasing TrustCo Bank's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
TrustCo Bank's intrinsic value may or may not be the same as its current market price of 36.50, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 36.5 | Real 32.81 | Target 26.0 | Hype 36.5 | Naive 36.64 |
The intrinsic value of TrustCo Bank's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence TrustCo Bank's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of TrustCo Bank Corp helps investors to forecast how TrustCo stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of TrustCo Bank more accurately as focusing exclusively on TrustCo Bank's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use TrustCo Bank's intrinsic value based on its ongoing forecasts of TrustCo Bank's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against TrustCo Bank's closest peers.
TrustCo Bank Cash |
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TrustCo Valuation Trend
TrustCo Bank's real value is important for investors to make better decisions and a more accurate overall view of TrustCo Bank's financial worth over time. Using both TrustCo Bank's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
TrustCo Bank Total Value Analysis
TrustCo Bank Corp is at this time projected to have valuation of 299.84 M with market capitalization of 689.89 M, debt of 44.47 M, and cash on hands of 841.26 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the TrustCo Bank fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
299.84 M | 689.89 M | 44.47 M | 841.26 M |
TrustCo Bank Investor Information
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 is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in January.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.47 | 0.4968 |
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| Total Cash From Operating Activities | 66.3 M | 64.1 M |
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| Operating Income | 102.5 M | 94.5 M |
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TrustCo Bank Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of TrustCo implies not a very effective usage of assets in December.TrustCo Bank Ownership Allocation
TrustCo Bank Corp shows a total of 19.01 Million outstanding shares. The majority of TrustCo Bank Corp outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in TrustCo Bank to benefit from reduced commissions. Consequently, institutions are subject to a different set of regulations than regular investors in TrustCo Bank Corp. Please pay attention to any change in the institutional holdings of TrustCo Bank Corp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.TrustCo Bank Profitability Analysis
The company reported the previous year's revenue of 190.16 M. Net Income was 58.65 M with profit before overhead, payroll, taxes, and interest of 199.74 M.TrustCo Bank Past Distributions to stockholders
About TrustCo Bank Valuation
The stock valuation mechanism determines TrustCo Bank's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of TrustCo Bank Corp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of TrustCo Bank. We calculate exposure to TrustCo Bank's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of TrustCo Bank's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 146.1 M | 139.1 M | |
| 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 |
TrustCo Bank Quarterly Retained Earnings |
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A single share of TrustCo Bank represents a small ownership stake in the entity. As a stockholder of TrustCo, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
TrustCo Bank Dividends Analysis For Valuation
At this time, TrustCo Bank's Dividend Yield is comparatively stable compared to the past year. Dividend Payout Ratio is likely to gain to 0.58 in 2024, despite the fact that Dividends Paid is likely to grow to (26 M). . At this time, TrustCo Bank's Retained Earnings are comparatively stable compared to the past year. Earning Assets is likely to gain to about 936.3 M in 2024, despite the fact that Price Earnings To Growth Ratio is likely to grow to (0.44).
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -27.4 M | -26 M | |
| Dividend Yield | 0.05 | 0.05 | |
| Dividend Payout Ratio | 0.47 | 0.58 | |
| Dividend Paid And Capex Coverage Ratio | 1.94 | 1.47 |
There are various types of dividends TrustCo Bank can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of TrustCo shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from TrustCo Bank Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When TrustCo pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of TrustCo Bank by the value of the dividends paid out.
TrustCo Bank Growth Indicators
Investing in growth stocks can be very risky. If the company such as TrustCo Bank does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 19 M | |
| Quarterly Earnings Growth Y O Y | -0.12 |
TrustCo Bank Current Valuation Indicators
TrustCo Bank's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final TrustCo Bank's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as TrustCo Bank, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use TrustCo Bank's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes TrustCo Bank's worth.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.