Trustco Stock Story

TRST

- USA Stock

USD 30.45 0.09 0.29%

Macroaxis Story

Trustco Bank Debt to Equity Ratio is comparatively stable at the moment as compared to the past year. Trustco Bank reported Debt to Equity Ratio of 12.02 in 2021. Dividend Yield is likely to gain to 0.05 in 2022, whereas Average Assets are likely to drop slightly above 4.9 B in 2022. Trustco Bank Corp is scheduled to announce its earnings today. The next earnings report is expected on the 20th of April 2022. While some generation-Y investors are indifferent towards financial services space, it makes sense to review Trustco Bank Corp using its fundamentals . We will analyze why it could be a much better year for Trustco Bank shareholders. We currently estimate Trustco Bank as fairly valued. The real value is approaching 34.67 per share.

Published over three months ago

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Will Trustco Bank (NASDAQ:TRST) basic indicators remain uncertain in February?

Our recommendation module can be used to complement Trustco Bank Corp trade recommendation provided by average analyst sentiment. It analyzes the firm's potential to grow using fundamental, technical, data market data available at the time.

The company dividends can provide a clue to the current value of the stock. This firm one year expected dividend income is about $0.32 per share.

Will Trustco Bank (NASDAQ:TRST) basic indicators remain uncertain in February?

Typically, a company's financial statements are the reports that show the financial position of the company. There are three main documents that fall into the category of financial statements. These documents include Trustco Bank income statement, its balance sheet, and the statement of cash flows. Potential Trustco Bank investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Trustco Bank investors may use each financial statement separately, they are all related. The changes in Trustco Bank's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Trustco Bank's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

The goal of Trustco Bank fundamental analysis is to do accurate financial forecasts. There are several possible objectives to fundamental analysis, such as projecting of Trustco Bank performance into the future periods or doing a reasonable stock valuation. The intrinsic value of Trustco Bank shares is the value that is considered the true value of the share. If the intrinsic value of Trustco is higher than its market price, buying is generally recommended. If it is equal to the market price, it is recommended to hold; and if it is less than the market price, then one should sell all shares Trustco Bank.

Please read more on our fundamental analysis page.

Are Trustco Bank Earnings Expected to grow?

The future earnings power of Trustco Bank involves the interaction of many company-specific, industry, and economic forces. Earnings estimates embody investors' opinions of Trustco Bank factors such as sales growth, product demand, competitive industry environment, profit margins, and cost controls. Trustco Bank stock prices adjust as these expectations change or are proven wrong. The main thing to remember is that equities with high expected earnings growth tend to underperform the market because it is usually difficult to meet the market's high expectations. Companies with low earnings expectations tend to do better than expected. Please use our latest analysis of Trustco expected earnings.

And What about dividends?

A dividend is the distribution of a portion of Trustco Bank earnings, decided and managed by the company's board of directors and paid to a class of its shareholders. Note, announcements of dividend payouts are generally accompanied by a proportional increase or decrease in a company's stock price. Trustco Bank dividend payments follow a chronological order of events, and the associated dates are important to determine the shareholders who qualify for receiving the dividend payment. Trustco one year expected dividend income is about $0.3 per share.

Investing in stocks that pay dividends, such as stock of Trustco Bank Corp, is one of many strategies that are good for long-term investments. Ex-dividend dates are significant because investors in Trustco Bank must own a stock before its ex-dividend date to receive its next dividend.

This type of analysis is very useful when you want to generate a past dividend schedule and payout information for Trustco Bank. Then that information in the form of graph and calendar can be used to fully explain how Du Pont dividends can provide a real clue to its valuation.

How does Trustco utilize its cash?

To perform a cash flow analysis of Trustco Bank, investors first need to understand how to read the cash flow statement. A cash flow statement shows the amount of cash Trustco Bank is receiving and how much cash it distributes out in a given period. The Trustco Bank cash flow statement breaks down these inflows and outflows into different buckets, including operating activities, investing activities, and financing activities.

Another Deeper Perspective

Institutional investors typically avoid acquiring a high percentage of Trustco Bank stocks because performing such an act may violate securities laws. They are usually not investing their own money, but rather making investments on behalf of their clients. Let's take a look at how the ownership of Trustco is distributed among investors.

Ownership Allocation

Trustco Bank maintains a total of 19.22 Million outstanding shares. Over half of Trustco Bank Corp outstanding shares are owned by institutional holders. These institutional holders are typically referred to corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Consequently, these institutions are subject to different rules and regulation than regular investors in Trustco Bank Corp. Please watch out for any change in the institutional holdings of Trustco Bank as this could mean something significant has changed or about to change at the company. Note that regardless of who owns the company, if the true value of the entity is less than the market is willing to pay for it, you may not be able to generate positive returns over time.

Retail Investors

29.99%

Institutions

67.35%

	Retail Investors	29.99
	Insiders	2.66
	Institutions	67.35

	2021	2022 (projected)
Net Income	47.21 M	43.36 M
Gross Profit	141.59 M	129.41 M

Net Income Gross Profit

Trustco Bank is epected to finish above $33 in February

Newest Treynor Ratio is up to 0.06. Price may drop again. Trustco Bank Corp has relatively low volatility with skewness of -0.47 and kurtosis of 1.04. However, we advise all investors to independently investigate Trustco Bank Corp to ensure all accessible information is consistent with the expectations about its upside potential and future expected returns. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Trustco Bank's stock risk against market volatility during both bullying and bearish trends. The higher level of volatility that comes with bear markets can directly impact Trustco Bank's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

Trustco Bank Implied Volatility

Trustco Bank's implied volatility exposes the market's sentiment of Trustco Bank Corp stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Trustco Bank's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Trustco Bank stock will not fluctuate a lot when Trustco Bank's options are near their expiration.

Our Final Perspective on Trustco Bank

When is the right time to buy or sell Trustco Bank Corp? Buying stocks such as Trustco Bank isn't very hard. However, what challenging for most investors is doing it at the right time. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities, deliver winning trades and diversify portfolios on a daily basis.

With a less-than optimistic outlook for your 90 days horizon, it may be a good time to short some or all of your Trustco Bank holdings as it seems the potential growth was already fully factored into the current price. Please use our equity advice module to run different scenarios to ensure your current risk level and investment horizon are fully reflective of your current investing preferences in regards to Trustco Bank.

Editorial Staff

Vlad Skutelnik is a Macroaxis Contributor. Vlad covers stocks, funds, cryptocurrencies, and ETFs that are traded in North America, focusing primarily on fundamentals, valuation and market volatility. He has many years of experience in fintech, predictive investment analytics, and risk management. View Profile

This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Vlad Skutelnik do not own shares of Trustco Bank Corp. Please refer to our Terms of Use for any information regarding our disclosure principles.

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