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Trustco Bank Corp NY (DE:TC50)
FRANKFURT:TC50
Germany Market
TC50
TrustCo Bank
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TrustCo Bank (TC50) Ratios

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TrustCo Bank Ratios

DE:TC50's free cash flow for Q2 2026 was $0.23. For the 2026 fiscal year, DE:TC50's free cash flow was decreased by $ and operating cash flow was $-0.74. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.41 0.05 0.06 0.09 0.10
Quick Ratio
 0.41 0.05 0.06 0.09 0.10
Cash Ratio
 0.41 <0.01 <0.01 <0.01 <0.01
Solvency Ratio
 0.01 0.01 0.01 0.01 0.02
Operating Cash Flow Ratio
 0.64 0.01 0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.64 0.48 0.70 0.72 0.32
Net Current Asset Value
$ -5.82B$ -5.46B$ -5.22B$ -5.02B$ -4.88B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.02 0.02 0.02 0.05
Debt-to-Equity Ratio
 0.22 0.23 0.18 0.21 0.49
Debt-to-Capital Ratio
 0.18 0.19 0.16 0.17 0.33
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 9.95 9.38 9.22 9.56 10.00
Debt Service Coverage Ratio
 0.14 0.33 0.34 0.48 0.34
Interest Coverage Ratio
 0.48 0.90 0.70 1.43 15.37
Debt to Market Cap
 0.12 0.16 0.13 0.15 0.34
Interest Debt Per Share
 13.31 13.51 11.37 9.87 15.73
Net Debt to EBITDA
 2.06 1.18 1.03 0.95 2.28
Profitability Margins
Gross Profit Margin
62.53%67.08%64.52%77.26%97.02%
EBIT Margin
17.71%29.18%24.34%31.74%48.29%
EBITDA Margin
20.11%32.25%28.68%36.15%53.42%
Operating Profit Margin
17.71%29.18%24.34%31.74%48.29%
Pretax Profit Margin
35.83%29.04%24.34%31.74%48.29%
Net Profit Margin
26.95%21.97%18.56%23.98%36.55%
Continuous Operations Profit Margin
26.95%21.97%18.56%23.98%36.55%
Net Income Per EBT
75.22%75.65%76.25%75.56%75.68%
EBT Per EBIT
202.26%99.51%100.00%100.00%100.00%
Return on Assets (ROA)
1.00%0.95%0.78%0.95%1.25%
Return on Equity (ROE)
9.62%8.90%7.22%9.09%12.54%
Return on Capital Employed (ROCE)
0.67%10.64%8.39%10.65%18.89%
Return on Invested Capital (ROIC)
0.49%6.96%5.76%7.17%9.75%
Return on Tangible Assets
1.00%0.95%0.78%0.95%1.25%
Earnings Yield
6.83%8.09%7.71%9.93%10.46%
Efficiency Ratios
Receivables Turnover
 16.30 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
 3.17 3.74 3.74 3.28 2.66
Asset Turnover
 0.04 0.04 0.04 0.04 0.03
Working Capital Turnover Ratio
 -3.86 -0.05 -0.05 -0.05 -0.04
Cash Conversion Cycle
 22.39 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 22.39 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
 22.39 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 3.93 3.15 3.13 3.37 4.11
Free Cash Flow Per Share
 3.64 2.50 2.87 3.07 3.91
CapEx Per Share
 0.30 0.65 0.26 0.30 0.20
Free Cash Flow to Operating Cash Flow
 0.92 0.79 0.92 0.91 0.95
Dividend Paid and CapEx Coverage Ratio
 2.12 1.46 1.84 1.94 2.55
Capital Expenditure Coverage Ratio
 13.28 4.85 12.17 11.32 20.77
Operating Cash Flow Coverage Ratio
 0.48 0.37 0.48 0.48 0.27
Operating Cash Flow to Sales Ratio
 0.29 0.21 0.23 0.26 0.38
Free Cash Flow Yield
6.91%6.06%8.61%9.90%10.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.08 12.72 12.96 10.07 9.56
Price-to-Sales (P/S) Ratio
 3.83 2.71 2.41 2.42 3.49
Price-to-Book (P/B) Ratio
 1.45 1.10 0.94 0.92 1.20
Price-to-Free Cash Flow (P/FCF) Ratio
 14.47 16.51 11.61 10.10 9.61
Price-to-Operating Cash Flow Ratio
 13.80 13.11 10.66 9.21 9.15
Price-to-Earnings Growth (PEG) Ratio
 0.54 0.48 -0.78 -0.47 0.41
Price-to-Fair Value
 1.45 1.10 0.94 0.92 1.20
Enterprise Value Multiple
 21.11 9.60 9.42 7.63 8.82
Enterprise Value
 1.02B 861.18M 711.07M 674.88M 970.09M
EV to EBITDA
 21.11 9.60 9.42 7.63 8.82
EV to Sales
 4.24 3.09 2.70 2.76 4.71
EV to Free Cash Flow
 16.04 18.83 13.03 11.54 12.96
EV to Operating Cash Flow
 14.83 14.95 11.96 10.52 12.34
Tangible Book Value Per Share
 37.43 37.57 35.56 33.92 31.36
Shareholders’ Equity Per Share
 37.36 37.57 35.56 33.92 31.36
Tax and Other Ratios
Effective Tax Rate
 0.25 0.24 0.24 0.24 0.24
Revenue Per Share
 13.75 15.23 13.84 12.85 10.76
Net Income Per Share
 3.71 3.35 2.57 3.08 3.93
Tax Burden
 0.75 0.76 0.76 0.76 0.76
Interest Burden
 2.02 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
 0.33 0.23 0.21 0.23 0.24
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 0.00
Income Quality
 1.06 0.94 1.22 1.09 1.05
Currency in USD