Orange County Bancorp vs TrustCo Bank Corp N Y
OBT 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 OBT and TRST compare
TrustCo Bank Corp N Y is the larger company, worth 1.8 times as much as Orange County Bancorp ($982M against $534M).
On earnings, Orange County Bancorp is cheaper: it trades at 10.7× trailing earnings, against 15.3× for TrustCo Bank Corp N Y.
TrustCo Bank Corp N Y grew revenue faster over the last twelve months (9.8% versus 5.5% for Orange County Bancorp).
Orange County Bancorp keeps more of each dollar of sales as profit, with a net margin of 38.9% compared with 32.9% at TrustCo Bank Corp N Y.
Both pay dividends: Orange County Bancorp yields 1.8% and TrustCo Bank Corp N Y 2.7%.
Orange County Bancorp scores higher on the StockData Score (19 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 | OBT | TRST |
|---|---|---|
| Size and price | ||
| Market cap | $534M | $982M |
| Share price | $39.86 | $57.66 |
| Change, 1 year | 52.4% | 43.8% |
| Change, 5 years | 111% | 72.6% |
| Beta (5Y) | 0.35 | 0.56 |
| Employees | 33 | 819 |
| StockData Score | ||
| Total score | 19 (better) | 13 |
| Valuation score | 1 (better) | 0 |
| Growth score | 3 (better) | 1 |
| Performance score | 6 (better) | 4 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.7× (better) | 15.3× |
| P/S | 4.2× (better) | 4.9× |
| P/B | 1.7× | 1.6× (better) |
| P/FCF | 8.7× (better) | 14.2× |
| PEG | 0.69 | – |
| FCF yield | 11.5% (better) | 7.0% |
| Fair value | $36.72 | $42.66 |
| Margin of safety | −8.6% (better) | −35.2% |
| Growth | ||
| Revenue growth (TTM) | 5.5% | 9.8% (better) |
| Revenue growth, 5Y average | 16.2% (better) | 1.9% |
| Net income growth (TTM) | 37.2% (better) | 16.3% |
| EPS growth (TTM) | 23.5% | 25.8% (better) |
| EPS growth, 5Y average | 20.8% (better) | 3.6% |
| Profitability | ||
| Net margin | 38.9% (better) | 32.9% |
| FCF margin | 48.0% (better) | 34.3% |
| Return on equity | 17.2% (better) | 10.0% |
| Financial health | ||
| Debt / equity | – | 0.16 |
| Altman Z-score | 0.28 (better) | 0.24 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.8% | 2.7% (better) |
| Payout ratio | 19.3% | 41.1% |
| Years of dividend growth | 4 (better) | 1 |
| Dividend growth, 5Y average | 7.3% (better) | 1.7% |
| Buyback yield | – | 10.1% |
| Shareholder yield | 1.8% | 12.7% (better) |
| Ownership | ||
| Held by institutions | 54.0% | 77.8% |
| Held by insiders | 8.5% | 9.2% |
| Insider net buying, 12 months | −$276K | $71.1K (better) |
| Short interest, % of float | 0.87% | 8.0% |
Go deeper
- OBT stock overview
- OBT income statement
- OBT 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.