TrustCo Bank Corp N Y vs Unity Bancorp
TRST and UNTY side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How TRST and UNTY compare
TrustCo Bank Corp N Y is the larger company, worth 1.7 times as much as Unity Bancorp ($982M against $586M).
On earnings, Unity Bancorp is cheaper: it trades at 9.7× trailing earnings, against 15.3× for TrustCo Bank Corp N Y.
Unity Bancorp grew revenue faster over the last twelve months (11.5% versus 9.8% for TrustCo Bank Corp N Y).
Unity Bancorp keeps more of each dollar of sales as profit, with a net margin of 44.2% compared with 32.9% at TrustCo Bank Corp N Y.
Both pay dividends: TrustCo Bank Corp N Y yields 2.7% and Unity Bancorp 1.1%.
Unity Bancorp scores higher on the StockData Score (18 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 | TRST | UNTY |
|---|---|---|
| Size and price | ||
| Market cap | $982M | $586M |
| Share price | $57.66 | $58.34 |
| Change, 1 year | 43.8% | 22.5% |
| Change, 5 years | 72.6% | 116% |
| Beta (5Y) | 0.56 | 0.60 |
| Employees | 819 | 228 |
| StockData Score | ||
| Total score | 13 | 18 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 1 | 3 (better) |
| Performance score | 4 | 6 (better) |
| Health score | 4 | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 15.3× | 9.7× (better) |
| P/S | 4.9× | 4.2× (better) |
| P/B | 1.6× | 1.5× (better) |
| P/FCF | 14.2× (better) | 19.0× |
| PEG | – | 0.59 |
| FCF yield | 7.0% (better) | 5.3% |
| Fair value | $42.66 | $56.63 |
| Margin of safety | −35.2% | −3.0% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.8% | 11.5% (better) |
| Revenue growth, 5Y average | 1.9% | 11.2% (better) |
| Net income growth (TTM) | 16.3% (better) | 14.1% |
| EPS growth (TTM) | 25.8% (better) | 14.4% |
| EPS growth, 5Y average | 3.6% | 21.0% (better) |
| Profitability | ||
| Net margin | 32.9% | 44.2% (better) |
| FCF margin | 34.3% (better) | 22.1% |
| Return on equity | 10.0% | 17.1% (better) |
| Financial health | ||
| Debt / equity | 0.16 | – |
| Altman Z-score | 0.24 | 0.29 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.7% (better) | 1.1% |
| Payout ratio | 41.1% | 10.2% |
| Years of dividend growth | 1 | 12 (better) |
| Dividend growth, 5Y average | 1.7% | 12.6% (better) |
| Buyback yield | 10.1% (better) | 0.58% |
| Shareholder yield | 12.7% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 77.8% | 52.2% |
| Held by insiders | 9.2% | 23.1% |
| Insider net buying, 12 months | $71.1K (better) | −$1.8M |
| Short interest, % of float | 8.0% | 2.6% |
Go deeper
- TRST stock overview
- TRST income statement
- TRST valuation and score
- UNTY stock overview
- UNTY income statement
- UNTY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.