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TrustCo Bank (TRST) Ratios
TrustCo Bank Ratios
TRST's free cash flow for Q2 2026 was $29.63M. For the 2026 fiscal year, TRST's free cash flow was increased by $1.64M and operating cash flow was $27.99M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.05 | 0.06 | 0.09 | 0.10 | 0.08 |
| Quick Ratio | 0.05 | 0.06 | 0.09 | 0.10 | 0.08 |
| Cash Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.48 | 0.70 | 0.72 | 0.32 | 0.23 |
| Net Current Asset Value | $ -5.46B | $ -5.22B | $ -5.02B | $ -4.88B | $ -5.14B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.02 | 0.05 | 0.05 |
| Debt-to-Equity Ratio | 0.23 | 0.18 | 0.21 | 0.49 | 0.49 |
| Debt-to-Capital Ratio | 0.19 | 0.16 | 0.17 | 0.33 | 0.33 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 9.38 | 9.22 | 9.56 | 10.00 | 10.31 |
| Debt Service Coverage Ratio | 0.35 | 0.34 | 0.48 | 0.34 | 0.29 |
| Interest Coverage Ratio | 0.90 | 0.70 | 1.43 | 15.37 | 10.84 |
| Debt to Market Cap | 0.16 | 0.13 | 0.15 | 0.34 | 0.38 |
| Interest Debt Per Share | 13.51 | 11.37 | 9.87 | 15.73 | 15.84 |
| Net Debt to EBITDA | 1.14 | 1.03 | 0.95 | 2.28 | 2.69 |
| Profitability Margins | |||||
| Gross Profit Margin | 67.08% | 64.52% | 77.26% | 97.02% | 98.86% |
| EBIT Margin | 29.18% | 24.34% | 31.74% | 48.29% | 44.18% |
| EBITDA Margin | 33.30% | 28.68% | 36.15% | 53.42% | 49.87% |
| Operating Profit Margin | 29.18% | 24.34% | 31.74% | 48.29% | 44.18% |
| Pretax Profit Margin | 29.04% | 24.34% | 31.74% | 48.29% | 44.18% |
| Net Profit Margin | 21.97% | 18.56% | 23.98% | 36.55% | 33.09% |
| Continuous Operations Profit Margin | 21.97% | 18.56% | 23.98% | 36.55% | 33.09% |
| Net Income Per EBT | 75.65% | 76.25% | 75.56% | 75.68% | 74.90% |
| EBT Per EBIT | 99.51% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.95% | 0.78% | 0.95% | 1.25% | 0.99% |
| Return on Equity (ROE) | 8.90% | 7.22% | 9.09% | 12.54% | 10.23% |
| Return on Capital Employed (ROCE) | 10.64% | 8.39% | 10.65% | 18.89% | 12.56% |
| Return on Invested Capital (ROIC) | 6.96% | 5.76% | 7.17% | 9.75% | 6.85% |
| Return on Tangible Assets | 0.95% | 0.78% | 0.95% | 1.25% | 0.99% |
| Earnings Yield | 8.09% | 7.71% | 9.93% | 10.46% | 9.59% |
| 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 | 3.74 | 3.74 | 3.28 | 2.66 | 2.29 |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | -0.05 | -0.05 | -0.05 | -0.04 | -0.04 |
| 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 | 3.15 | 3.13 | 3.37 | 4.11 | 2.87 |
| Free Cash Flow Per Share | 2.50 | 2.87 | 3.07 | 3.91 | 2.73 |
| Dividend Paid and CapEx Coverage Ratio | 1.46 | 1.84 | 1.94 | 2.55 | 1.90 |
| Capital Expenditure Coverage Ratio | 4.85 | 12.17 | 11.32 | 20.77 | 19.49 |
| Operating Cash Flow Coverage Ratio | 0.37 | 0.48 | 0.48 | 0.27 | 0.19 |
| Operating Cash Flow to Sales Ratio | 0.21 | 0.23 | 0.26 | 0.38 | 0.30 |
| Free Cash Flow Yield | 6.06% | 8.61% | 9.90% | 10.41% | 8.19% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.72 | 12.96 | 10.07 | 9.56 | 10.43 |
| Price-to-Sales (P/S) Ratio | 2.71 | 2.41 | 2.42 | 3.49 | 3.45 |
| Price-to-Book (P/B) Ratio | 1.10 | 0.94 | 0.92 | 1.20 | 1.07 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 16.51 | 11.61 | 10.10 | 9.61 | 12.21 |
| Price-to-Operating Cash Flow Ratio | 13.11 | 10.66 | 9.21 | 9.15 | 11.59 |
| Price-to-Earnings Growth (PEG) Ratio | 0.48 | -0.78 | -0.47 | 0.41 | 0.60 |
| Enterprise Value Multiple | 9.29 | 9.42 | 7.63 | 8.82 | 9.61 |
| Enterprise Value | 861.18M | 711.07M | 674.88M | 970.09M | 890.57M |
| EV to EBITDA | 9.29 | 9.42 | 7.63 | 8.82 | 9.61 |
| EV to Sales | 3.09 | 2.70 | 2.76 | 4.71 | 4.79 |
| EV to Free Cash Flow | 18.83 | 13.03 | 11.54 | 12.96 | 16.96 |
| EV to Operating Cash Flow | 14.95 | 11.96 | 10.52 | 12.34 | 16.09 |
| Tangible Book Value Per Share | 37.57 | 35.56 | 33.92 | 31.36 | 31.21 |
| Shareholders’ Equity Per Share | 37.57 | 35.56 | 33.92 | 31.36 | 31.21 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.24 | 0.24 | 0.24 | 0.24 | 0.25 |
| Revenue Per Share | 15.23 | 13.84 | 12.85 | 10.76 | 9.65 |
| Net Income Per Share | 3.35 | 2.57 | 3.08 | 3.93 | 3.19 |
| Tax Burden | 0.76 | 0.76 | 0.76 | 0.76 | 0.75 |
| Interest Burden | 1.00 | 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 | 0.23 | 0.21 | 0.23 | 0.24 | 0.28 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.94 | 1.22 | 1.09 | 1.05 | 0.90 |
Currency in USD