Chemung Financial vs TrustCo Bank Corp N Y
CHMG and TRST side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CHMG and TRST compare
TrustCo Bank Corp N Y is the larger company, worth 2.4 times as much as Chemung Financial ($982M against $413M).
On earnings, Chemung Financial is cheaper: it trades at 10.8× trailing earnings, against 15.3× for TrustCo Bank Corp N Y.
Chemung Financial grew revenue faster over the last twelve months (36.6% versus 9.8% for TrustCo Bank Corp N Y).
TrustCo Bank Corp N Y keeps more of each dollar of sales as profit, with a net margin of 32.9% compared with 31.1% at Chemung Financial.
Both pay dividends: Chemung Financial yields 1.6% and TrustCo Bank Corp N Y 2.7%.
Chemung Financial scores higher on the StockData Score (17 against 13 for TrustCo Bank Corp N Y), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CHMG | TRST |
|---|---|---|
| Size and price | ||
| Market cap | $413M | $982M |
| Share price | $85.69 | $57.66 |
| Change, 1 year | 66.7% | 43.8% |
| Change, 5 years | 87.5% | 72.6% |
| Beta (5Y) | 0.35 | 0.56 |
| Employees | 348 | 819 |
| StockData Score | ||
| Total score | 17 (better) | 13 |
| Valuation score | 2 (better) | 0 |
| Growth score | 2 (better) | 1 |
| Performance score | 4 | 4 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.8× (better) | 15.3× |
| P/S | 3.3× (better) | 4.9× |
| P/B | 1.5× (better) | 1.6× |
| P/FCF | 9.3× (better) | 14.2× |
| FCF yield | 10.7% (better) | 7.0% |
| Fair value | $74.73 | $42.66 |
| Margin of safety | −14.7% (better) | −35.2% |
| Growth | ||
| Revenue growth (TTM) | 36.6% (better) | 9.8% |
| Revenue growth, 5Y average | 2.5% (better) | 1.9% |
| Net income growth (TTM) | 190% (better) | 16.3% |
| EPS growth (TTM) | 188% (better) | 25.8% |
| EPS growth, 5Y average | −4.8% | 3.6% (better) |
| Profitability | ||
| Net margin | 31.1% | 32.9% (better) |
| FCF margin | 35.8% (better) | 34.3% |
| Return on equity | 14.8% (better) | 10.0% |
| Financial health | ||
| Debt / equity | – | 0.16 |
| Altman Z-score | 0.28 (better) | 0.24 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 2.7% (better) |
| Payout ratio | 17.3% | 41.1% |
| Years of dividend growth | 1 | 1 |
| Dividend growth, 5Y average | 4.9% (better) | 1.7% |
| Buyback yield | 0.13% | 10.1% (better) |
| Shareholder yield | 1.7% | 12.7% (better) |
| Ownership | ||
| Held by institutions | 49.8% | 77.8% |
| Held by insiders | 13.0% | 9.2% |
| Insider net buying, 12 months | −$734K | $71.1K (better) |
| Short interest, % of float | 4.6% | 8.0% |
Go deeper
- CHMG stock overview
- CHMG income statement
- CHMG valuation and score
- TRST stock overview
- TRST income statement
- TRST valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.