TrustCo Bank Corp NY cash flow to debt ratio of 36.82% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

TrustCo Bank Corp NY's free cash flow has decreased 16.17% from $54.56M last year to $45.74M, signaling decreasing performance

TrustCo Bank Corp NY's debt to equity ratio is 0.22, which means that the company's assets are healthy financed, signaling financial stability.

TrustCo Bank Corp NY's debt has increased relative to shareholder equity from 0.18 last year to 0.22 today, signaling weakened financials

TrustCo Bank Corp NY has a net cash position, so leverage is healthy.

TrustCo Bank Corp NY earns at least as much interest as it pays. Interest obligations are fully covered.

TrustCo Bank Corp NY's profit margin has increased (45.23%) in the last year from 18.56% to 26.95%, signaling increasing performance

TrustCo Bank Corp NY's short-term liabilities of $5.68B exceed its short-term assets of $293.47M, signaling financial risk

TrustCo Bank Corp NY's return on assets of 1.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

TrustCo Bank Corp NY's return on equity of 9.62%, is lower than 15.00%, indicating bad performance

TrustCo Bank Corp NY's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

TrustCo Bank Corp NY had positive net income in 5 out of 5 years, indicating stable and consistent earnings

TrustCo Bank Corp NY has positive free cash flow, indicating the company generates cash after capital expenditures

TrustCo Bank Corp NY has a free cash flow yield of 4.91%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

TrustCo Bank Corp NY's yearly earnings has increased 25.20% since last year from $48.83M to $61.14M, signaling increasing performance

TrustCo Bank Corp NY's yearly revenue has increased 5.77% since last year from $263.15M to $278.33M, signaling increasing performance

ROIC 0.49% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

TrustCo Bank Corp NY's 3-year revenue CAGR of 10.58% is positive, indicating growing revenue over the past 3 years

TrustCo Bank Corp NY had revenue growth in 4 out of 5 years, indicating consistent revenue performance

TrustCo Bank Corp NY had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

TrustCo Bank Corp NY is overvalued relative to its fair value price of 16.56 based on Discounted Cash Flow model

TrustCo Bank Corp NY has an earnings yield of 6.78%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

TrustCo Bank Corp NY is overvalued relative to its fair value price of 27.45 based on EBITDA multiple model

TrustCo Bank Corp NY has an EV/EBITDA ratio of 8.85x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

TrustCo Bank Corp NY is undervalued relative to its fair value price of 84.45 based on Earnings Fair Value model

TrustCo Bank Corp NY has a PEG-ratio over 1 which is considered overvalued

TrustCo Bank Corp NY has a price-to-book ratio of 1.46x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

TrustCo Bank Corp NY has a price-to-sales ratio of 3.98x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue