25 XP   0   0   10

TrustCo Bank Corp NY
Buy, Hold or Sell?

Let's analyse TrustCo Bank Corp NY together

PenkeI guess you are interested in TrustCo Bank Corp NY. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of TrustCo Bank Corp NY. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

Get notifications about TrustCo Bank Corp NY

I send you an email if I find something interesting about TrustCo Bank Corp NY.

Quick analysis of TrustCo Bank Corp NY (30 sec.)










What can you expect buying and holding a share of TrustCo Bank Corp NY? (30 sec.)

How much money do you get?

How much money do you get?
$1.44
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$33.92
Expected worth in 1 year
$36.34
How sure are you?
97.5%

+ What do you gain per year?

Total Gains per Share
$3.86
Return On Investment
13.7%

For what price can you sell your share?

Current Price per Share
$28.16
Expected price per share
$25.50 - $28.42
How sure are you?
50%

1. Valuation of TrustCo Bank Corp NY (5 min.)




Live pricePrice per Share (EOD)

$28.16

Intrinsic Value Per Share

$24.18 - $33.07

Total Value Per Share

$58.10 - $66.99

2. Growth of TrustCo Bank Corp NY (5 min.)




Is TrustCo Bank Corp NY growing?

Current yearPrevious yearGrowGrow %
How rich?$645.2m$594.1m$32.1m5.1%

How much money is TrustCo Bank Corp NY making?

Current yearPrevious yearGrowGrow %
Making money$14.6m$18.8m-$4.1m-28.3%
Net Profit Margin111.3%37.7%--

How much money comes from the company's main activities?

3. Financial Health of TrustCo Bank Corp NY (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of TrustCo Bank Corp NY? (5 min.)

Welcome investor! TrustCo Bank Corp NY's management wants to use your money to grow the business. In return you get a share of TrustCo Bank Corp NY.

What can you expect buying and holding a share of TrustCo Bank Corp NY?

First you should know what it really means to hold a share of TrustCo Bank Corp NY. And how you can make/lose money.

Speculation

The Price per Share of TrustCo Bank Corp NY is $28.16. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of TrustCo Bank Corp NY.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in TrustCo Bank Corp NY, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $33.92. Based on the TTM, the Book Value Change Per Share is $0.61 per quarter. Based on the YOY, the Book Value Change Per Share is $0.05 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.36 per quarter.
Based on historical numbers we can estimate the returns while holding a share of TrustCo Bank Corp NY.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.521.8%0.772.7%0.983.5%0.802.8%0.702.5%
Usd Book Value Change Per Share1.124.0%0.612.2%0.050.2%0.431.5%0.371.3%
Usd Dividend Per Share0.361.3%0.361.3%0.351.3%0.351.2%0.341.2%
Usd Total Gains Per Share1.485.3%0.973.4%0.411.4%0.782.8%0.712.5%
Usd Price Per Share31.05-29.72-32.95-20.69-14.05-
Price to Earnings Ratio15.00-10.18-8.39-6.35-4.74-
Price-to-Total Gains Ratio20.92-35.62--34.49-10.01-12.22-
Price to Book Ratio0.92-0.90-1.06-0.67-0.50-
Price-to-Total Gains Ratio20.92-35.62--34.49-10.01-12.22-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share28.16
Number of shares35
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.360.35
Usd Book Value Change Per Share0.610.43
Usd Total Gains Per Share0.970.78
Gains per Quarter (35 shares)33.8027.17
Gains per Year (35 shares)135.19108.68
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
15085125496099
210117026097120208
3151254395146180317
4201339530194240426
5252424665243301535
6302509800291361644
7353594935340421753
84036791070389481862
94537631205437541971
1050484813404866011080

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%136.00.00.0100.0%
Book Value Change Per Share4.00.00.0100.0%10.02.00.083.3%18.02.00.090.0%37.03.00.092.5%111.025.00.081.6%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%135.00.01.099.3%
Total Gains per Share4.00.00.0100.0%11.01.00.091.7%19.01.00.095.0%39.01.00.097.5%130.06.00.095.6%

Fundamentals of TrustCo Bank Corp NY

About TrustCo Bank Corp NY

TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals and businesses. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. It operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. The company was founded in 1902 and is headquartered in Glenville, New York.

Fundamental data was last updated by Penke on 2024-03-22 05:57:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of TrustCo Bank Corp NY.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit TrustCo Bank Corp NY earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare TrustCo Bank Corp NY to the Banks - Regional industry mean.
  • A Net Profit Margin of 343.6% means that $3.44 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of TrustCo Bank Corp NY:

  • The MRQ is 343.6%. The company is making a huge profit. +2
  • The TTM is 111.3%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ343.6%TTM111.3%+232.3%
TTM111.3%YOY37.7%+73.6%
TTM111.3%5Y49.5%+61.8%
5Y49.5%10Y38.6%+10.9%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ343.6%18.4%+325.2%
TTM111.3%28.0%+83.3%
YOY37.7%25.2%+12.5%
5Y49.5%22.8%+26.7%
10Y38.6%19.8%+18.8%
1.1.2. Return on Assets

Shows how efficient TrustCo Bank Corp NY is using its assets to generate profit.

  • Above 5% is considered healthy but always compare TrustCo Bank Corp NY to the Banks - Regional industry mean.
  • 0.2% Return on Assets means that TrustCo Bank Corp NY generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of TrustCo Bank Corp NY:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%-0.1%
TTM0.2%YOY0.3%-0.1%
TTM0.2%5Y0.3%0.0%
5Y0.3%10Y0.3%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.1%+0.1%
TTM0.2%0.2%+0.0%
YOY0.3%0.2%+0.1%
5Y0.3%0.2%+0.1%
10Y0.3%0.2%+0.1%
1.1.3. Return on Equity

Shows how efficient TrustCo Bank Corp NY is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare TrustCo Bank Corp NY to the Banks - Regional industry mean.
  • 1.5% Return on Equity means TrustCo Bank Corp NY generated $0.02 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of TrustCo Bank Corp NY:

  • The MRQ is 1.5%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 2.4%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ1.5%TTM2.4%-0.8%
TTM2.4%YOY3.2%-0.8%
TTM2.4%5Y2.7%-0.3%
5Y2.7%10Y2.7%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.5%1.4%+0.1%
TTM2.4%2.5%-0.1%
YOY3.2%2.7%+0.5%
5Y2.7%2.5%+0.2%
10Y2.7%2.8%-0.1%

1.2. Operating Efficiency of TrustCo Bank Corp NY.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient TrustCo Bank Corp NY is operating .

  • Measures how much profit TrustCo Bank Corp NY makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare TrustCo Bank Corp NY to the Banks - Regional industry mean.
  • An Operating Margin of 351.4% means the company generated $3.51  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of TrustCo Bank Corp NY:

  • The MRQ is 351.4%. The company is operating very efficient. +2
  • The TTM is 120.9%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ351.4%TTM120.9%+230.5%
TTM120.9%YOY51.8%+69.1%
TTM120.9%5Y68.6%+52.3%
5Y68.6%10Y60.8%+7.8%
1.2.2. Operating Ratio

Measures how efficient TrustCo Bank Corp NY is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 3.50 means that the operating costs are $3.50 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of TrustCo Bank Corp NY:

  • The MRQ is 3.501. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.063. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ3.501TTM1.063+2.438
TTM1.063YOY-0.235+1.298
TTM1.0635Y0.126+0.937
5Y0.12610Y-0.048+0.174

1.3. Liquidity of TrustCo Bank Corp NY.

1.3. Liquidity
1.3.1. Current Ratio

Measures if TrustCo Bank Corp NY is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.41 means the company has $0.41 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of TrustCo Bank Corp NY:

  • The MRQ is 0.410. The company is unable to pay all its short-term debts. -2
  • The TTM is 3.325. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.410TTM3.325-2.915
TTM3.325YOY4.384-1.060
TTM3.3255Y3.920-0.596
5Y3.92010Y3.683+0.237
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM3.3250.124+3.201
YOY4.3840.225+4.159
5Y3.9200.219+3.701
10Y3.6830.131+3.552
1.3.2. Quick Ratio

Measures if TrustCo Bank Corp NY is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare TrustCo Bank Corp NY to the Banks - Regional industry mean.
  • A Quick Ratio of 0.73 means the company can pay off $0.73 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of TrustCo Bank Corp NY:

  • The MRQ is 0.731. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 23.313. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.731TTM23.313-22.582
TTM23.313YOY31.159-7.846
TTM23.3135Y16.247+7.066
5Y16.24710Y11.504+4.743

1.4. Solvency of TrustCo Bank Corp NY.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of TrustCo Bank Corp NY assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare TrustCo Bank Corp NY to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.90 means that TrustCo Bank Corp NY assets are financed with 89.5% credit (debt) and the remaining percentage (100% - 89.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of TrustCo Bank Corp NY:

  • The MRQ is 0.895. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.897. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.895TTM0.897-0.002
TTM0.897YOY0.903-0.006
TTM0.8975Y0.901-0.004
5Y0.90110Y0.906-0.005
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8950.915-0.020
TTM0.8970.917-0.020
YOY0.9030.919-0.016
5Y0.9010.919-0.018
10Y0.9060.927-0.021
1.4.2. Debt to Equity Ratio

Measures if TrustCo Bank Corp NY is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare TrustCo Bank Corp NY to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 855.9% means that company has $8.56 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of TrustCo Bank Corp NY:

  • The MRQ is 8.559. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.719. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.559TTM8.719-0.160
TTM8.719YOY9.347-0.628
TTM8.7195Y9.135-0.417
5Y9.13510Y9.673-0.538
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.55910.829-2.270
TTM8.71911.013-2.294
YOY9.34711.363-2.016
5Y9.13511.437-2.302
10Y9.67313.038-3.365

2. Market Valuation of TrustCo Bank Corp NY

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings TrustCo Bank Corp NY generates.

  • Above 15 is considered overpriced but always compare TrustCo Bank Corp NY to the Banks - Regional industry mean.
  • A PE ratio of 15.00 means the investor is paying $15.00 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of TrustCo Bank Corp NY:

  • The EOD is 13.600. Based on the earnings, the company is underpriced. +1
  • The MRQ is 14.996. Based on the earnings, the company is underpriced. +1
  • The TTM is 10.180. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD13.600MRQ14.996-1.396
MRQ14.996TTM10.180+4.816
TTM10.180YOY8.388+1.792
TTM10.1805Y6.351+3.829
5Y6.35110Y4.736+1.615
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD13.6007.491+6.109
MRQ14.9966.680+8.316
TTM10.1805.295+4.885
YOY8.3886.943+1.445
5Y6.3519.770-3.419
10Y4.7369.943-5.207
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of TrustCo Bank Corp NY:

  • The EOD is 9.061. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 9.991. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 9.873. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD9.061MRQ9.991-0.930
MRQ9.991TTM9.873+0.118
TTM9.873YOY9.304+0.568
TTM9.8735Y6.712+3.161
5Y6.71210Y5.245+1.467
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.061-2.094+11.155
MRQ9.991-1.868+11.859
TTM9.873-0.342+10.215
YOY9.3046.448+2.856
5Y6.7120.429+6.283
10Y5.2450.091+5.154
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of TrustCo Bank Corp NY is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.92 means the investor is paying $0.92 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of TrustCo Bank Corp NY:

  • The EOD is 0.830. Based on the equity, the company is cheap. +2
  • The MRQ is 0.915. Based on the equity, the company is cheap. +2
  • The TTM is 0.903. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.830MRQ0.915-0.085
MRQ0.915TTM0.903+0.012
TTM0.903YOY1.060-0.157
TTM0.9035Y0.670+0.234
5Y0.67010Y0.500+0.170
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.8300.433+0.397
MRQ0.9150.386+0.529
TTM0.9030.470+0.433
YOY1.0600.642+0.418
5Y0.6700.795-0.125
10Y0.5001.025-0.525
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of TrustCo Bank Corp NY.

3.1. Institutions holding TrustCo Bank Corp NY

Institutions are holding 72.51% of the shares of TrustCo Bank Corp NY.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31BlackRock Inc14.47680.00222754126-32055-1.1505
2023-12-31Vanguard Group Inc6.89440.00091311620487953.864
2023-12-31Dimensional Fund Advisors, Inc.6.23590.01081186342338922.9409
2023-12-31Systematic Financial Management LP4.74640.8318902982-1793-0.1982
2023-12-31State Street Corporation4.64230.0014883166624347.6071
2023-12-31Goldman Sachs Group Inc3.23020.001761453627691582.0195
2023-12-31Franklin Resources Inc2.66360.0074506739-19999-3.7968
2023-12-31Geode Capital Management, LLC2.18290.0014415279176374.4354
2023-12-31Royce & Associates, LP1.54040.0842930463040.1038
2023-12-31Northern Trust Corp1.35380.001525755760372.4002
2023-12-31Hotchkis & Wiley Capital Management LLC1.30110.0274247532-3880-1.5433
2023-12-31Bank of New York Mellon Corp1.23250.0015234473199729.3109
2023-12-31American Century Companies Inc1.22910.0052338203113615.3618
2023-12-31AQR Capital Management LLC0.98750.011187864-4855-2.5192
2023-12-31Brandywine Global Investment Mgmt LLC0.91430.04351739354291632.7556
2023-12-31Amvescap Plc.0.86390.0012164349-152823-48.183
2023-12-31Morgan Stanley - Brokerage Accounts0.80150.000415247883265.7758
2023-12-31Verition Fund Managegment, LLC0.8010.0371523841523840
2023-12-31Charles Schwab Investment Management Inc0.78160.0012148694-4830-3.1461
2023-12-31Cramer Rosenthal McGlynn LLC0.70880.2275134852-7016-4.9454
Total 57.5881.298810955774+473497+4.3%

3.2. Funds holding TrustCo Bank Corp NY

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29iShares Core S&P Small-Cap ETF6.77780.0454128944700
2024-02-29Vanguard Total Stock Mkt Idx Inv2.89590.00155093000
2024-01-31Templeton Global Smaller Comp A2.32261.45844187000
2024-02-29iShares Russell 2000 ETF2.12520.017740431600
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.4510.007427604323490.8583
2024-01-31DFA US Small Cap Value I1.34890.04925662438511.5235
2024-02-29iShares S&P Small-Cap 600 Value ETF1.24740.09223730500
2024-02-29Avantis US Small Cap Value ETF1.18680.0621225774800.0354
2024-01-31DFA US Targeted Value I1.00350.042819090600
2023-12-31Fidelity Small Cap Index0.97560.0227185594-781-0.419
2024-02-29SPDR® Portfolio S&P 600 Sm Cap ETF0.91530.0463174123350.0201
2024-02-01iShares Russell 2000 Value ETF0.89750.04117073800
2024-02-29Vanguard Tax-Managed Small Cap Adm0.78120.045614861600
2024-02-29Dimensional US Targeted Value ETF0.71060.038713519700
2024-02-29SPDR® S&P 600 Small Cap Value ETF0.70620.094134355-276-0.205
2024-02-29State St Russell Sm/Mid Cp® Indx NL Cl C0.63590.007912098315001.2554
2023-12-31Royce Pennsylvania Mutual Invmt0.62740.198511936714921.2657
2023-12-31Royce Capital Small-Cap Inv0.61921.171117790-10277-8.0247
2024-01-31DFA US Small Cap I0.60580.022611525500
2023-10-31Goldman Sachs Small Cp Val Insghts Instl0.56670.332210781000
Total 28.40053.79595403043-20270.0%

3.3. Insider Transactions

Insiders are holding 3.164% of the shares of TrustCo Bank Corp NY.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-03-12Michael James HallBUY50027.4
2024-02-13Kevin M CurleyBUY91627.3
2024-02-02Michael James HallBUY46327.81
2024-02-01Eric W SchreckBUY100028.44
2023-11-16Frank B SilvermanBUY20528.01
2023-11-09Robert J MccormickBUY56026.78
2023-11-07Robert J MccormickBUY78827.52
2023-10-26Kevin M CurleyBUY68925.4
2023-10-26Michael James HallBUY50025.41
2023-10-26Robert M LeonardBUY100025.15
2023-09-14Michael M OzimekBUY190027.74
2023-08-25Curtis N PowellBUY20028
2023-05-15Robert J MccormickBUY409627.8
2023-05-09Michael M OzimekBUY200027.5
2023-05-09Scot R SalvadorBUY90727.56
2023-05-04Michael M OzimekBUY200027.99
2023-05-02Michael M OzimekBUY175028.71
2023-05-01Eric W SchreckBUY50029.37
2023-05-01Kevin M CurleyBUY101629.53
2023-05-01Michael James HallBUY83529.68

4. Summary

4.1. Key Performance Indicators

The key performance indicators of TrustCo Bank Corp NY compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.1230.606+85%0.054+1980%0.429+162%0.373+201%
Book Value Per Share--33.91932.911+3%31.056+9%30.007+13%26.212+29%
Current Ratio--0.4103.325-88%4.384-91%3.920-90%3.683-89%
Debt To Asset Ratio--0.8950.8970%0.903-1%0.901-1%0.906-1%
Debt To Equity Ratio--8.5598.719-2%9.347-8%9.135-6%9.673-12%
Dividend Per Share--0.3610.360+0%0.353+2%0.347+4%0.337+7%
Eps--0.5180.770-33%0.983-47%0.795-35%0.703-26%
Free Cash Flow Per Share--0.7770.768+1%0.979-21%0.791-2%0.751+3%
Free Cash Flow To Equity Per Share--5.7922.040+184%-2.049+135%3.015+92%2.117+174%
Gross Profit Margin--0.9610.967-1%0.973-1%0.9650%0.954+1%
Intrinsic Value_10Y_max--33.067--------
Intrinsic Value_10Y_min--24.180--------
Intrinsic Value_1Y_max--3.253--------
Intrinsic Value_1Y_min--2.923--------
Intrinsic Value_3Y_max--9.820--------
Intrinsic Value_3Y_min--8.402--------
Intrinsic Value_5Y_max--16.443--------
Intrinsic Value_5Y_min--13.421--------
Market Cap535727104.000-10%590707620.000565657145.000+4%630160590.000-6%396521714.700+49%269176035.400+119%
Net Profit Margin--3.4361.113+209%0.377+811%0.495+595%0.386+790%
Operating Margin--3.5141.209+191%0.518+578%0.686+412%0.608+478%
Operating Ratio--3.5011.063+229%-0.235+107%0.126+2680%-0.048+101%
Pb Ratio0.830-10%0.9150.903+1%1.060-14%0.670+37%0.500+83%
Pe Ratio13.600-10%14.99610.180+47%8.388+79%6.351+136%4.736+217%
Price Per Share28.160-10%31.05029.723+4%32.945-6%20.692+50%14.047+121%
Price To Free Cash Flow Ratio9.061-10%9.9919.873+1%9.304+7%6.712+49%5.245+90%
Price To Total Gains Ratio18.974-10%20.92135.616-41%-34.492+265%10.015+109%12.218+71%
Quick Ratio--0.73123.313-97%31.159-98%16.247-96%11.504-94%
Return On Assets--0.0020.002-34%0.003-48%0.003-39%0.003-37%
Return On Equity--0.0150.024-35%0.032-52%0.027-43%0.027-43%
Total Gains Per Share--1.4840.966+54%0.407+265%0.776+91%0.710+109%
Usd Book Value--645285000.000626325750.000+3%594130000.000+9%576566050.000+12%503009300.000+28%
Usd Book Value Change Per Share--1.1230.606+85%0.054+1980%0.429+162%0.373+201%
Usd Book Value Per Share--33.91932.911+3%31.056+9%30.007+13%26.212+29%
Usd Dividend Per Share--0.3610.360+0%0.353+2%0.347+4%0.337+7%
Usd Eps--0.5180.770-33%0.983-47%0.795-35%0.703-26%
Usd Free Cash Flow--14781000.00014615750.000+1%18710250.000-21%15203000.000-3%14406850.000+3%
Usd Free Cash Flow Per Share--0.7770.768+1%0.979-21%0.791-2%0.751+3%
Usd Free Cash Flow To Equity Per Share--5.7922.040+184%-2.049+135%3.015+92%2.117+174%
Usd Market Cap535727104.000-10%590707620.000565657145.000+4%630160590.000-6%396521714.700+49%269176035.400+119%
Usd Price Per Share28.160-10%31.05029.723+4%32.945-6%20.692+50%14.047+121%
Usd Profit--9848000.00014661500.000-33%18808500.000-48%15284550.000-36%13482825.000-27%
Usd Revenue--2866000.00036757000.000-92%49848750.000-94%43495800.000-93%42721750.000-93%
Usd Total Gains Per Share--1.4840.966+54%0.407+265%0.776+91%0.710+109%
 EOD+4 -4MRQTTM+21 -15YOY+18 -185Y+19 -1710Y+23 -13

4.2. Fundamental Score

Let's check the fundamental score of TrustCo Bank Corp NY based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1513.600
Price to Book Ratio (EOD)Between0-10.830
Net Profit Margin (MRQ)Greater than03.436
Operating Margin (MRQ)Greater than03.514
Quick Ratio (MRQ)Greater than10.731
Current Ratio (MRQ)Greater than10.410
Debt to Asset Ratio (MRQ)Less than10.895
Debt to Equity Ratio (MRQ)Less than18.559
Return on Equity (MRQ)Greater than0.150.015
Return on Assets (MRQ)Greater than0.050.002
Total5/10 (50.0%)

4.3. Technical Score

Let's check the technical score of TrustCo Bank Corp NY based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.024
Ma 20Greater thanMa 5027.319
Ma 50Greater thanMa 10027.747
Ma 100Greater thanMa 20028.149
OpenGreater thanClose27.940
Total2/5 (40.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Long-term Assets Other  -489,2205,179-484,041-51,170-535,21178,352-456,8595,966,2945,509,435
Net Working Capital  478,919-23,871455,048-60,447394,6019,550404,151-1,235,436-831,285



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets6,168,191
Total Liabilities5,522,906
Total Stockholder Equity645,285
 As reported
Total Liabilities 5,522,906
Total Stockholder Equity+ 645,285
Total Assets = 6,168,191

Assets

Total Assets6,168,191
Total Current Assets578,004
Long-term Assets5,590,187
Total Current Assets
Cash And Cash Equivalents 49,274
Short-term Investments 452,289
Total Current Assets  (as reported)578,004
Total Current Assets  (calculated)501,563
+/- 76,441
Long-term Assets
Property Plant Equipment 74,549
Long Term Investments 458,747
Long-term Assets Other 5,509,435
Long-term Assets  (as reported)5,590,187
Long-term Assets  (calculated)6,042,731
+/- 452,544

Liabilities & Shareholders' Equity

Total Current Liabilities1,409,289
Long-term Liabilities4,113,617
Total Stockholder Equity645,285
Total Current Liabilities
Short-term Debt 88,990
Other Current Liabilities 1,320,299
Total Current Liabilities  (as reported)1,409,289
Total Current Liabilities  (calculated)1,409,289
+/-0
Long-term Liabilities
Capital Lease Obligations 44,471
Long-term Liabilities  (as reported)4,113,617
Long-term Liabilities  (calculated)44,471
+/- 4,069,146
Total Stockholder Equity
Common Stock20,058
Retained Earnings 425,069
Accumulated Other Comprehensive Income -13,237
Other Stockholders Equity 213,395
Total Stockholder Equity (as reported)645,285
Total Stockholder Equity (calculated)645,285
+/-0
Other
Capital Stock20,058
Cash and Short Term Investments 578,004
Common Stock Shares Outstanding 19,024
Liabilities and Stockholders Equity 6,168,191
Net Debt 84,187
Net Working Capital -831,285
Property Plant and Equipment Gross 178,652
Short Long Term Debt Total 133,461



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-311998-12-311998-09-301998-06-301998-03-311997-12-311997-09-301997-06-301997-03-311996-12-311996-09-301996-06-301996-03-311995-12-311995-09-301995-06-301995-03-311994-12-311994-09-301994-06-301994-03-311993-12-311993-09-301993-06-301993-03-311992-12-311992-09-301992-06-301992-03-311991-12-311991-09-301991-06-301991-03-311990-12-311990-09-301990-06-301990-03-311989-12-311989-03-311988-03-311987-03-311986-03-31
> Total Assets 
0
0
0
0
818,900
856,500
873,900
877,200
934,900
930,500
925,200
1,779,800
1,757,600
1,770,200
1,875,500
1,899,900
1,944,600
1,934,800
1,945,000
1,948,000
1,971,300
2,000,700
2,006,600
1,988,900
1,975,700
2,000,300
2,086,700
2,136,500
2,176,200
2,183,200
2,224,000
2,246,900
2,261,800
2,293,300
2,301,900
2,344,500
2,372,300
2,395,800
2,434,200
2,488,700
2,485,100
2,434,200
2,409,000
2,385,400
2,364,000
2,353,653
2,367,107
2,395,659
2,456,198
2,482,893
2,471,801
2,508,735
2,578,621
2,682,995
2,751,957
2,675,427
2,696,088
2,712,134
2,683,165
2,739,556
2,778,119
2,900,855
2,849,227
2,837,325
2,863,834
2,848,313
2,878,787
2,828,815
2,912,759
2,932,621
2,967,789
3,000,869
3,161,187
3,244,865
3,374,194
3,341,187
3,377,551
3,397,778
3,489,577
3,428,272
3,506,813
3,477,030
3,584,717
3,650,378
3,679,897
3,718,763
3,828,904
3,831,522
3,954,784
4,007,890
4,070,326
4,192,959
4,243,644
4,374,443
4,421,399
4,318,173
4,346,613
4,411,757
4,443,204
4,459,407
4,521,452
4,578,737
4,589,129
4,582,266
4,644,439
4,740,656
4,741,337
4,725,817
4,734,992
4,763,262
4,830,913
4,812,849
4,868,806
4,886,743
4,920,482
4,870,275
4,908,008
4,931,564
4,940,559
4,885,351
4,958,913
5,156,321
5,227,670
5,222,469
5,221,322
5,256,647
5,677,003
5,735,929
5,901,796
6,046,457
6,122,578
6,134,835
6,196,546
6,281,873
6,226,791
6,079,494
6,000,052
6,045,808
6,075,625
6,054,298
6,168,191
6,168,1916,054,2986,075,6256,045,8086,000,0526,079,4946,226,7916,281,8736,196,5466,134,8356,122,5786,046,4575,901,7965,735,9295,677,0035,256,6475,221,3225,222,4695,227,6705,156,3214,958,9134,885,3514,940,5594,931,5644,908,0084,870,2754,920,4824,886,7434,868,8064,812,8494,830,9134,763,2624,734,9924,725,8174,741,3374,740,6564,644,4394,582,2664,589,1294,578,7374,521,4524,459,4074,443,2044,411,7574,346,6134,318,1734,421,3994,374,4434,243,6444,192,9594,070,3264,007,8903,954,7843,831,5223,828,9043,718,7633,679,8973,650,3783,584,7173,477,0303,506,8133,428,2723,489,5773,397,7783,377,5513,341,1873,374,1943,244,8653,161,1873,000,8692,967,7892,932,6212,912,7592,828,8152,878,7872,848,3132,863,8342,837,3252,849,2272,900,8552,778,1192,739,5562,683,1652,712,1342,696,0882,675,4272,751,9572,682,9952,578,6212,508,7352,471,8012,482,8932,456,1982,395,6592,367,1072,353,6532,364,0002,385,4002,409,0002,434,2002,485,1002,488,7002,434,2002,395,8002,372,3002,344,5002,301,9002,293,3002,261,8002,246,9002,224,0002,183,2002,176,2002,136,5002,086,7002,000,3001,975,7001,988,9002,006,6002,000,7001,971,3001,948,0001,945,0001,934,8001,944,6001,899,9001,875,5001,770,2001,757,6001,779,800925,200930,500934,900877,200873,900856,500818,9000000
   > Total Current Assets 
0
0
0
0
118,300
125,400
104,400
83,000
94,000
54,600
79,000
146,000
97,000
128,000
177,700
243,300
191,000
209,900
194,700
242,800
200,000
298,600
142,500
265,500
315,500
240,300
213,300
234,500
289,900
296,800
478,300
430,400
355,800
423,700
331,300
356,800
437,700
437,600
480,200
479,000
424,900
402,200
335,200
306,700
64,500
43,091
44,227
40,621
45,956
53,356
44,370
52,818
60,121
44,679
48,852
65,172
63,957
51,200
55,927
63,376
56,425
69,970
46,575
52,950
54,222
41,391
50,242
51,410
55,667
44,248
43,561
49,324
47,889
39,435
45,820
322,671
58,156
461,073
514,439
402,352
41,924
544,906
196,959
263,940
45,258
337,733
541,807
370,530
44,067
390,588
520,876
475,825
44,395
525,481
36,589
442,644
967,881
444,774
628,832
555,649
910,207
733,130
621,548
630,655
720,264
750,126
678,585
698,072
642,735
760,178
758,396
664,428
669,079
683,191
773,399
624,197
616,090
617,170
586,616
465,449
550,723
619,187
560,155
450,677
622,021
536,053
952,836
956,319
486,267
1,140,373
1,182,388
1,193,339
456,070
456,517
1,046,184
841,264
650,599
636,984
508,366
507,261
578,004
578,004507,261508,366636,984650,599841,2641,046,184456,517456,0701,193,3391,182,3881,140,373486,267956,319952,836536,053622,021450,677560,155619,187550,723465,449586,616617,170616,090624,197773,399683,191669,079664,428758,396760,178642,735698,072678,585750,126720,264630,655621,548733,130910,207555,649628,832444,774967,881442,64436,589525,48144,395475,825520,876390,58844,067370,530541,807337,73345,258263,940196,959544,90641,924402,352514,439461,07358,156322,67145,82039,43547,88949,32443,56144,24855,66751,41050,24241,39154,22252,95046,57569,97056,42563,37655,92751,20063,95765,17248,85244,67960,12152,81844,37053,35645,95640,62144,22743,09164,500306,700335,200402,200424,900479,000480,200437,600437,700356,800331,300423,700355,800430,400478,300296,800289,900234,500213,300240,300315,500265,500142,500298,600200,000242,800194,700209,900191,000243,300177,700128,00097,000146,00079,00054,60094,00083,000104,400125,400118,3000000
       Cash And Cash Equivalents 
0
0
0
0
118,300
125,400
104,400
83,000
94,000
54,600
79,000
146,000
97,000
128,000
177,700
243,300
191,000
209,900
194,700
242,800
200,000
298,600
142,500
265,500
315,500
240,300
213,300
234,500
289,900
296,800
478,300
430,400
355,800
423,700
331,300
356,800
437,700
437,600
480,200
479,000
424,900
402,200
335,200
306,700
64,500
43,091
44,227
40,621
45,956
53,356
44,370
52,818
60,121
44,679
48,852
65,172
63,957
51,200
55,927
63,376
56,425
69,970
46,575
52,950
54,222
41,391
50,242
51,410
55,667
44,248
43,561
49,324
47,889
39,435
45,820
48,275
58,156
51,662
48,177
61,725
41,924
37,838
38,969
40,145
45,258
39,626
39,850
39,201
44,067
37,022
41,229
40,875
44,395
39,426
36,589
40,354
55,789
39,512
40,580
45,088
46,453
46,127
48,034
43,724
43,505
44,853
37,574
42,560
41,698
37,373
39,787
42,296
48,719
41,352
43,783
41,598
44,125
39,373
40,567
42,195
49,260
43,064
42,471
49,526
48,198
43,362
44,726
47,703
47,196
45,493
47,766
45,486
48,357
47,526
46,611
46,236
43,429
47,595
55,662
45,940
49,274
49,27445,94055,66247,59543,42946,23646,61147,52648,35745,48647,76645,49347,19647,70344,72643,36248,19849,52642,47143,06449,26042,19540,56739,37344,12541,59843,78341,35248,71942,29639,78737,37341,69842,56037,57444,85343,50543,72448,03446,12746,45345,08840,58039,51255,78940,35436,58939,42644,39540,87541,22937,02244,06739,20139,85039,62645,25840,14538,96937,83841,92461,72548,17751,66258,15648,27545,82039,43547,88949,32443,56144,24855,66751,41050,24241,39154,22252,95046,57569,97056,42563,37655,92751,20063,95765,17248,85244,67960,12152,81844,37053,35645,95640,62144,22743,09164,500306,700335,200402,200424,900479,000480,200437,600437,700356,800331,300423,700355,800430,400478,300296,800289,900234,500213,300240,300315,500265,500142,500298,600200,000242,800194,700209,900191,000243,300177,700128,00097,000146,00079,00054,60094,00083,000104,400125,400118,3000000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
299,490
0
0
0
338,452
0
0
0
542,125
0
0
0
355,257
0
0
0
642,208
0
0
0
257,196
0
0
0
243,449
0
0
274,396
286,764
409,411
466,262
340,627
207,680
432,117
157,990
223,795
100,636
298,107
501,957
331,329
400,183
353,566
479,647
434,950
917,722
486,055
1,118,055
402,290
912,092
1,077,484
878,188
908,446
863,754
741,292
811,770
722,623
676,759
666,851
689,663
624,547
601,037
590,128
620,506
654,502
620,360
647,560
605,457
580,430
571,965
559,083
527,018
507,882
501,463
546,466
633,540
662,759
573,823
503,166
432,702
454,743
439,071
527,587
482,815
434,552
407,713
408,991
502,415
468,219
481,513
476,659
452,704
450,135
452,289
452,289450,135452,704476,659481,513468,219502,415408,991407,713434,552482,815527,587439,071454,743432,702503,166573,823662,759633,540546,466501,463507,882527,018559,083571,965580,430605,457647,560620,360654,502620,506590,128601,037624,547689,663666,851676,759722,623811,770741,292863,754908,446878,1881,077,484912,092402,2901,118,055486,055917,722434,950479,647353,566400,183331,329501,957298,107100,636223,795157,990432,117207,680340,627466,262409,411286,764274,39600243,449000257,196000642,208000355,257000542,125000338,452000299,490000000000000000000000000000000000000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,299,212
4,349,379
0
4,418,176
4,495,274
4,583,974
4,687,169
4,752,897
4,839,897
0
0
004,839,8974,752,8974,687,1694,583,9744,495,2744,418,17604,349,3794,299,2120000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
91,200
0
0
0
99,100
0
0
0
32,300
0
0
0
34,500
0
0
0
35,800
0
0
0
41,500
0
0
-454,743
-439,071
0
0
713,301
69,600
0
497,158
326,809
664,152
650,543
616,531
521,875
578,004
578,004521,875616,531650,543664,152326,809497,158069,600713,30100-439,071-454,7430041,50000035,80000034,50000032,30000099,10000091,20000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   > Long-term Assets 
0
0
0
0
259,000
292,400
318,100
330,300
370,200
398,400
360,300
552,500
593,400
602,200
652,900
623,500
691,500
651,200
678,400
645,200
684,500
587,300
727,300
562,800
503,400
592,800
685,400
693,500
668,900
663,600
517,500
578,000
648,300
619,500
702,300
368,800
620,500
639,000
622,900
677,000
734,400
697,000
731,500
719,100
657,000
669,816
677,582
655,584
622,700
625,865
623,592
600,055
606,015
611,462
635,891
672,266
672,707
783,131
983,532
940,786
1,197,094
1,311,886
1,142,357
1,077,524
918,468
926,858
1,154,226
1,120,324
1,105,810
1,134,919
1,112,916
1,128,462
1,072,320
1,036,319
980,889
28,656
1,088,236
30,219
31,316
32,840
1,092,173
1,088,294
37,388
37,359
1,223,029
37,449
37,230
37,162
1,119,945
36,275
36,032
35,946
1,171,016
37,099
1,324,678
37,251
1,091,757
35,787
38,301
34,559
984,383
35,267
36,658
37,455
786,270
38,812
38,100
37,506
695,145
37,360
36,793
36,110
701,316
35,175
681,839
35,028
634,673
35,240
35,521
35,214
558,658
85,987
85,155
83,786
678,538
84,383
82,754
81,591
535,192
80,626
79,516
79,069
498,753
499,387
79,724
77,664
77,283
75,783
535,211
73,610
5,590,187
5,590,18773,610535,21175,78377,28377,66479,724499,387498,75379,06979,51680,626535,19281,59182,75484,383678,53883,78685,15585,987558,65835,21435,52135,240634,67335,028681,83935,175701,31636,11036,79337,360695,14537,50638,10038,812786,27037,45536,65835,267984,38334,55938,30135,7871,091,75737,2511,324,67837,0991,171,01635,94636,03236,2751,119,94537,16237,23037,4491,223,02937,35937,3881,088,2941,092,17332,84031,31630,2191,088,23628,656980,8891,036,3191,072,3201,128,4621,112,9161,134,9191,105,8101,120,3241,154,226926,858918,4681,077,5241,142,3571,311,8861,197,094940,786983,532783,131672,707672,266635,891611,462606,015600,055623,592625,865622,700655,584677,582669,816657,000719,100731,500697,000734,400677,000622,900639,000620,500368,800702,300619,500648,300578,000517,500663,600668,900693,500685,400592,800503,400562,800727,300587,300684,500645,200678,400651,200691,500623,500652,900602,200593,400552,500360,300398,400370,200330,300318,100292,400259,0000000
       Property Plant Equipment 
0
0
0
0
6,800
7,000
7,300
7,500
7,400
7,400
7,800
19,600
20,300
21,600
22,200
22,400
22,500
22,400
22,800
22,600
24,900
24,900
24,400
24,200
38,100
27,900
30,200
27,900
28,700
27,300
29,100
30,200
29,600
31,100
31,500
22,600
18,600
18,000
17,500
17,800
17,000
15,800
18,300
15,800
16,200
16,223
16,104
16,898
17,416
18,335
19,135
18,762
18,915
18,867
19,211
19,606
19,544
19,199
19,372
19,501
20,168
20,212
20,091
20,676
22,479
22,665
21,135
21,056
21,734
22,539
22,669
23,848
24,050
24,966
27,858
28,656
29,193
30,219
31,316
32,840
35,156
36,743
37,388
37,359
37,793
37,449
37,230
37,162
36,632
36,275
36,032
35,946
37,006
37,099
37,868
37,251
36,239
35,787
38,301
34,559
34,414
35,267
36,658
37,455
38,565
38,812
38,100
37,506
37,643
37,360
36,793
36,110
35,466
35,175
35,174
35,028
35,157
35,240
35,521
35,214
34,694
85,987
85,155
83,786
86,097
84,383
82,754
81,591
82,297
80,626
79,516
79,069
81,117
81,213
79,724
77,664
77,283
75,783
75,464
73,610
74,549
74,54973,61075,46475,78377,28377,66479,72481,21381,11779,06979,51680,62682,29781,59182,75484,38386,09783,78685,15585,98734,69435,21435,52135,24035,15735,02835,17435,17535,46636,11036,79337,36037,64337,50638,10038,81238,56537,45536,65835,26734,41434,55938,30135,78736,23937,25137,86837,09937,00635,94636,03236,27536,63237,16237,23037,44937,79337,35937,38836,74335,15632,84031,31630,21929,19328,65627,85824,96624,05023,84822,66922,53921,73421,05621,13522,66522,47920,67620,09120,21220,16819,50119,37219,19919,54419,60619,21118,86718,91518,76219,13518,33517,41616,89816,10416,22316,20015,80018,30015,80017,00017,80017,50018,00018,60022,60031,50031,10029,60030,20029,10027,30028,70027,90030,20027,90038,10024,20024,40024,90024,90022,60022,80022,40022,50022,40022,20021,60020,30019,6007,8007,4007,4007,5007,3007,0006,8000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,536,941
2,625,325
2,688,874
2,654,720
2,680,358
2,714,528
2,780,232
2,774,082
2,813,626
2,878,525
2,947,310
2,976,103
3,037,141
3,110,696
3,182,951
3,214,941
3,260,920
3,296,854
3,305,007
3,310,555
3,349,814
3,391,711
3,432,186
3,448,158
3,504,519
3,563,468
3,619,788
3,648,770
4,248,400
4,312,524
4,353,294
4,384,557
4,516,251
4,623,454
592,441
4,574,123
4,578,752
4,635,269
4,647,770
4,759,497
494,480
445,253
417,636
418,174
510,959
476,310
489,220
484,041
459,747
456,859
458,747
458,747456,859459,747484,041489,220476,310510,959418,174417,636445,253494,4804,759,4974,647,7704,635,2694,578,7524,574,123592,4414,623,4544,516,2514,384,5574,353,2944,312,5244,248,4003,648,7703,619,7883,563,4683,504,5193,448,1583,432,1863,391,7113,349,8143,310,5553,305,0073,296,8543,260,9203,214,9413,182,9513,110,6963,037,1412,976,1032,947,3102,878,5252,813,6262,774,0822,780,2322,714,5282,680,3582,654,7202,688,8742,625,3252,536,941000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
553
0
0
0
0
0
0
553
0
0
0
553
0
0
0
553
553
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000000000000000553553000553000553000000553000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,153,151
1,181,074
1,092,798
1,010,272
1,022,760
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000001,022,7601,010,2721,092,7981,181,0741,153,1510000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Assets 
0
0
0
0
441,600
438,700
451,400
463,900
470,700
477,500
485,900
1,081,300
1,067,200
1,040,000
1,044,900
1,033,100
1,062,100
1,073,700
1,071,900
1,060,000
1,086,800
1,114,800
1,136,800
1,160,600
1,156,800
1,167,200
1,188,000
1,208,500
1,217,400
1,222,800
1,228,200
1,238,500
1,257,700
1,250,100
1,268,300
1,618,900
1,314,100
1,319,200
1,331,100
1,332,700
1,325,800
1,335,000
1,342,300
1,359,600
1,642,500
1,640,746
1,645,298
1,699,454
1,787,542
1,803,672
1,803,839
1,855,862
1,912,485
2,026,854
2,067,214
1,937,989
1,959,424
1,877,803
1,643,706
1,735,394
1,524,600
1,518,999
1,660,295
1,706,851
1,891,144
1,880,064
1,674,319
1,657,081
1,751,282
1,753,454
1,811,312
1,823,083
2,040,978
2,169,111
2,347,485
2,989,860
2,231,159
2,906,486
2,943,822
2,993,080
2,372,716
1,843,830
3,350,370
3,349,079
2,411,610
3,343,581
3,249,867
3,423,830
2,790,772
3,581,027
3,513,418
3,681,188
3,028,233
3,811,863
3,060,132
3,838,278
2,286,975
3,931,196
3,776,071
3,869,199
2,626,862
3,810,340
3,930,923
3,914,156
3,137,905
3,951,718
4,024,652
3,990,239
3,397,112
3,965,724
4,035,724
4,112,311
3,498,411
4,168,377
3,465,244
4,211,050
3,657,245
4,279,154
4,318,422
4,384,688
3,849,532
4,451,147
4,582,360
4,688,006
3,920,763
4,636,211
4,641,413
4,698,019
4,880,337
4,825,458
4,860,674
4,862,427
5,241,723
5,325,969
5,100,883
5,160,566
5,272,170
5,333,041
5,032,048
5,473,427
5,515,638
5,515,6385,473,4275,032,0485,333,0415,272,1705,160,5665,100,8835,325,9695,241,7234,862,4274,860,6744,825,4584,880,3374,698,0194,641,4134,636,2113,920,7634,688,0064,582,3604,451,1473,849,5324,384,6884,318,4224,279,1543,657,2454,211,0503,465,2444,168,3773,498,4114,112,3114,035,7243,965,7243,397,1123,990,2394,024,6523,951,7183,137,9053,914,1563,930,9233,810,3402,626,8623,869,1993,776,0713,931,1962,286,9753,838,2783,060,1323,811,8633,028,2333,681,1883,513,4183,581,0272,790,7723,423,8303,249,8673,343,5812,411,6103,349,0793,350,3701,843,8302,372,7162,993,0802,943,8222,906,4862,231,1592,989,8602,347,4852,169,1112,040,9781,823,0831,811,3121,753,4541,751,2821,657,0811,674,3191,880,0641,891,1441,706,8511,660,2951,518,9991,524,6001,735,3941,643,7061,877,8031,959,4241,937,9892,067,2142,026,8541,912,4851,855,8621,803,8391,803,6721,787,5421,699,4541,645,2981,640,7461,642,5001,359,6001,342,3001,335,0001,325,8001,332,7001,331,1001,319,2001,314,1001,618,9001,268,3001,250,1001,257,7001,238,5001,228,2001,222,8001,217,4001,208,5001,188,0001,167,2001,156,8001,160,6001,136,8001,114,8001,086,8001,060,0001,071,9001,073,7001,062,1001,033,1001,044,9001,040,0001,067,2001,081,300485,900477,500470,700463,900451,400438,700441,6000000
> Total Liabilities 
0
0
0
0
765,500
801,400
817,000
818,700
874,700
868,600
861,600
1,670,800
1,646,500
1,656,900
1,759,700
1,781,500
1,824,200
1,811,800
1,819,600
1,820,300
1,841,400
1,867,800
1,873,100
1,852,300
1,836,400
1,857,500
1,939,200
1,986,900
2,016,100
2,028,500
2,070,600
2,089,300
2,099,400
2,132,200
2,133,000
2,169,100
2,193,500
2,218,900
2,250,600
2,303,300
2,299,300
2,249,000
2,232,500
2,213,300
2,197,700
2,183,109
2,191,000
2,211,339
2,260,355
2,282,881
2,270,767
2,303,792
2,372,794
2,474,147
2,534,747
2,446,679
2,461,244
2,479,944
2,448,737
2,505,825
2,551,357
2,666,639
2,634,608
2,613,162
2,638,002
2,623,729
2,644,559
2,599,154
2,684,098
2,710,866
2,753,629
2,773,366
2,921,664
3,004,885
3,144,284
3,106,371
3,140,483
3,154,785
3,250,073
3,187,154
3,270,789
3,239,493
3,346,582
3,405,710
3,434,219
3,468,145
3,573,715
3,570,351
3,699,344
3,749,418
3,801,377
3,855,149
3,905,128
4,029,797
4,071,492
3,960,556
3,987,815
4,050,868
4,094,581
4,105,019
4,159,639
4,206,958
4,204,112
4,192,779
4,250,995
4,340,180
4,338,878
4,313,525
4,321,682
4,340,237
4,400,648
4,377,241
4,436,120
4,448,043
4,473,116
4,415,347
4,449,700
4,469,467
4,469,744
4,408,233
4,469,042
4,654,603
4,712,040
4,696,306
4,683,065
4,708,462
5,123,582
5,175,401
5,333,635
5,475,426
5,543,985
5,548,152
5,595,418
5,688,978
5,632,159
5,490,488
5,400,065
5,431,105
5,454,236
5,430,372
5,522,906
5,522,9065,430,3725,454,2365,431,1055,400,0655,490,4885,632,1595,688,9785,595,4185,548,1525,543,9855,475,4265,333,6355,175,4015,123,5824,708,4624,683,0654,696,3064,712,0404,654,6034,469,0424,408,2334,469,7444,469,4674,449,7004,415,3474,473,1164,448,0434,436,1204,377,2414,400,6484,340,2374,321,6824,313,5254,338,8784,340,1804,250,9954,192,7794,204,1124,206,9584,159,6394,105,0194,094,5814,050,8683,987,8153,960,5564,071,4924,029,7973,905,1283,855,1493,801,3773,749,4183,699,3443,570,3513,573,7153,468,1453,434,2193,405,7103,346,5823,239,4933,270,7893,187,1543,250,0733,154,7853,140,4833,106,3713,144,2843,004,8852,921,6642,773,3662,753,6292,710,8662,684,0982,599,1542,644,5592,623,7292,638,0022,613,1622,634,6082,666,6392,551,3572,505,8252,448,7372,479,9442,461,2442,446,6792,534,7472,474,1472,372,7942,303,7922,270,7672,282,8812,260,3552,211,3392,191,0002,183,1092,197,7002,213,3002,232,5002,249,0002,299,3002,303,3002,250,6002,218,9002,193,5002,169,1002,133,0002,132,2002,099,4002,089,3002,070,6002,028,5002,016,1001,986,9001,939,2001,857,5001,836,4001,852,3001,873,1001,867,8001,841,4001,820,3001,819,6001,811,8001,824,2001,781,5001,759,7001,656,9001,646,5001,670,800861,600868,600874,700818,700817,000801,400765,5000000
   > Total Current Liabilities 
0
0
0
0
31,500
58,500
49,100
44,400
63,300
51,300
37,300
34,800
38,900
25,400
20,800
13,200
20,800
15,700
13,600
20,400
18,300
1,865,000
1,870,300
1,849,300
1,832,800
1,857,400
1,939,100
1,986,900
2,016,100
2,028,500
2,070,500
2,089,300
2,099,400
2,132,100
2,133,000
2,169,100
2,193,400
2,218,900
2,250,600
2,303,300
2,299,200
2,248,900
2,232,500
2,213,300
2,197,700
2,183,100
2,191,000
2,210,100
2,259,500
2,282,100
2,270,000
2,303,100
2,372,200
2,473,500
2,534,200
2,446,200
141,231
144,479
71,283
80,201
90,608
102,785
106,656
87,033
77,979
75,048
84,404
81,266
87,935
100,236
90,599
91,705
95,507
97,064
93,855
93,865
92,220
91,898
97,156
110,221
109,592
83,247
85,578
121,894
107,728
116,306
116,669
116,774
124,615
137,710
128,807
143,081
147,563
159,002
150,718
161,751
159,846
171,019
176,325
185,226
204,162
195,411
181,516
179,957
189,116
194,738
170,750
184,405
191,226
169,528
190,542
179,204
209,406
220,946
233,621
216,508
242,991
203,910
182,705
176,377
161,893
159,778
166,746
151,095
148,666
148,090
177,278
193,455
214,755
229,950
237,791
230,770
244,686
248,371
147,282
175,009
171,680
181,936
113,765
103,110
1,409,289
1,409,289103,110113,765181,936171,680175,009147,282248,371244,686230,770237,791229,950214,755193,455177,278148,090148,666151,095166,746159,778161,893176,377182,705203,910242,991216,508233,621220,946209,406179,204190,542169,528191,226184,405170,750194,738189,116179,957181,516195,411204,162185,226176,325171,019159,846161,751150,718159,002147,563143,081128,807137,710124,615116,774116,669116,306107,728121,89485,57883,247109,592110,22197,15691,89892,22093,86593,85597,06495,50791,70590,599100,23687,93581,26684,40475,04877,97987,033106,656102,78590,60880,20171,283144,479141,2312,446,2002,534,2002,473,5002,372,2002,303,1002,270,0002,282,1002,259,5002,210,1002,191,0002,183,1002,197,7002,213,3002,232,5002,248,9002,299,2002,303,3002,250,6002,218,9002,193,4002,169,1002,133,0002,132,1002,099,4002,089,3002,070,5002,028,5002,016,1001,986,9001,939,1001,857,4001,832,8001,849,3001,870,3001,865,00018,30020,40013,60015,70020,80013,20020,80025,40038,90034,80037,30051,30063,30044,40049,10058,50031,5000000
       Short-term Debt 
0
0
0
0
31,500
58,500
49,100
44,400
63,300
51,300
37,300
34,800
38,900
25,400
20,800
13,200
20,800
15,700
13,600
20,400
18,300
18,500
19,400
13,900
12,700
14,000
37,500
60,600
56,700
61,600
106,700
125,000
111,700
112,500
115,200
129,200
127,900
131,800
129,500
158,800
147,900
144,400
142,200
151,800
152,800
145,034
162,109
165,223
192,898
209,709
204,522
174,798
218,219
243,641
237,886
120,465
141,231
144,479
71,283
80,201
90,608
102,785
106,656
87,033
77,979
75,048
84,404
81,266
87,935
100,236
90,599
91,705
95,507
97,064
93,855
93,865
92,220
91,898
97,156
110,221
109,592
83,247
85,578
121,894
107,728
116,306
116,669
116,774
124,615
137,710
128,807
143,081
147,563
159,002
150,718
161,751
159,846
171,019
176,325
185,226
204,162
195,411
181,516
179,957
189,116
194,738
170,750
184,405
191,226
169,528
190,542
179,204
209,406
220,946
233,621
216,508
242,991
203,910
182,705
176,377
161,893
159,778
166,746
151,095
148,666
148,090
177,278
193,455
214,755
229,950
237,791
230,770
244,686
248,371
147,282
124,932
122,700
134,293
113,765
103,110
88,990
88,990103,110113,765134,293122,700124,932147,282248,371244,686230,770237,791229,950214,755193,455177,278148,090148,666151,095166,746159,778161,893176,377182,705203,910242,991216,508233,621220,946209,406179,204190,542169,528191,226184,405170,750194,738189,116179,957181,516195,411204,162185,226176,325171,019159,846161,751150,718159,002147,563143,081128,807137,710124,615116,774116,669116,306107,728121,89485,57883,247109,592110,22197,15691,89892,22093,86593,85597,06495,50791,70590,599100,23687,93581,26684,40475,04877,97987,033106,656102,78590,60880,20171,283144,479141,231120,465237,886243,641218,219174,798204,522209,709192,898165,223162,109145,034152,800151,800142,200144,400147,900158,800129,500131,800127,900129,200115,200112,500111,700125,000106,70061,60056,70060,60037,50014,00012,70013,90019,40018,50018,30020,40013,60015,70020,80013,20020,80025,40038,90034,80037,30051,30063,30044,40049,10058,50031,5000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
189,116
0
0
0
191,226
0
190,542
179,204
209,406
220,946
233,621
216,508
242,991
203,910
182,705
0
0
159,778
166,746
151,095
148,666
148,090
177,278
193,455
214,755
229,950
237,791
230,770
244,686
248,371
147,282
124,932
122,700
134,293
113,765
103,110
0
0103,110113,765134,293122,700124,932147,282248,371244,686230,770237,791229,950214,755193,455177,278148,090148,666151,095166,746159,77800182,705203,910242,991216,508233,621220,946209,406179,204190,5420191,226000189,11600000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,991,058
1,979,144
1,993,313
2,010,991
2,019,629
2,010,695
2,071,062
2,092,906
2,169,383
2,232,578
2,269,523
2,274,268
2,300,416
2,335,582
2,384,102
2,419,810
2,436,431
2,493,996
2,492,803
2,527,102
2,497,386
2,487,846
2,484,373
2,562,487
2,579,690
2,631,691
2,649,263
2,799,383
2,881,803
3,022,536
2,984,410
3,020,298
3,038,129
3,099,376
3,053,042
3,136,271
3,099,118
3,234,189
3,263,089
3,305,160
3,332,831
3,436,534
3,433,344
3,554,087
3,593,041
20,039
21,541
21,592
19,445
22,124
22,352
23,776
22,169
25,380
25,425
28,406
24,329
27,409
27,781
29,638
28,274
30,687
32,327
30,078
28,221
29,479
29,799
30,551
28,628
31,081
33,477
33,383
30,477
31,769
31,932
32,902
25,033
26,790
29,313
4,450,016
23,546
27,287
30,771
28,903
21,105
25,088
5,241,018
5,268,129
5,350,016
5,396,841
5,281,854
35,575
36,711
34,852
0
0
0034,85236,71135,5755,281,8545,396,8415,350,0165,268,1295,241,01825,08821,10528,90330,77127,28723,5464,450,01629,31326,79025,03332,90231,93231,76930,47733,38333,47731,08128,62830,55129,79929,47928,22130,07832,32730,68728,27429,63827,78127,40924,32928,40625,42525,38022,16923,77622,35222,12419,44521,59221,54120,0393,593,0413,554,0873,433,3443,436,5343,332,8313,305,1603,263,0893,234,1893,099,1183,136,2713,053,0423,099,3763,038,1293,020,2982,984,4103,022,5362,881,8032,799,3832,649,2632,631,6912,579,6902,562,4872,484,3732,487,8462,497,3862,527,1022,492,8032,493,9962,436,4312,419,8102,384,1022,335,5822,300,4162,274,2682,269,5232,232,5782,169,3832,092,9062,071,0622,010,6952,019,6292,010,9911,993,3131,979,1441,991,058000000000000000000000000000000000000000000000
       Other Current Liabilities 
0
0
0
0
-31,500
-58,500
-49,100
-44,400
-63,300
-51,300
-37,300
-34,800
-38,900
-25,400
-20,800
-13,200
-20,800
-15,700
-13,600
-20,400
-18,300
1,846,500
1,850,900
1,835,400
1,820,100
1,843,400
1,901,600
1,926,300
1,959,400
1,966,900
1,963,800
1,964,300
1,987,700
2,019,600
2,017,800
2,039,900
2,065,500
2,087,100
2,121,100
2,144,500
2,151,300
2,104,500
2,090,300
2,061,500
2,044,900
2,038,066
2,028,891
2,044,877
2,066,602
2,072,391
2,065,478
2,128,302
2,153,981
2,229,859
2,296,314
2,325,735
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,652,531
3,680,527
3,735,973
3,851,350
3,898,650
3,776,453
3,804,193
3,857,680
3,892,876
3,894,368
3,927,071
3,987,218
3,995,187
3,985,041
4,032,241
4,117,168
4,137,441
4,096,793
4,100,378
4,142,488
4,180,627
4,168,238
4,196,163
4,198,469
4,208,414
4,165,362
4,173,326
4,235,080
4,255,270
4,199,924
4,274,247
4,413,069
4,462,267
4,461,167
0
4,481,828
4,865,307
4,899,050
5,037,193
5,172,922
5,230,520
101,030
5,268,129
5,350,016
5,396,841
50,077
48,980
47,643
-113,765
0
1,320,299
1,320,2990-113,76547,64348,98050,0775,396,8415,350,0165,268,129101,0305,230,5205,172,9225,037,1934,899,0504,865,3074,481,82804,461,1674,462,2674,413,0694,274,2474,199,9244,255,2704,235,0804,173,3264,165,3624,208,4144,198,4694,196,1634,168,2384,180,6274,142,4884,100,3784,096,7934,137,4414,117,1684,032,2413,985,0413,995,1873,987,2183,927,0713,894,3683,892,8763,857,6803,804,1933,776,4533,898,6503,851,3503,735,9733,680,5273,652,53100000000000000000000000000000000002,325,7352,296,3142,229,8592,153,9812,128,3022,065,4782,072,3912,066,6022,044,8772,028,8912,038,0662,044,9002,061,5002,090,3002,104,5002,151,3002,144,5002,121,1002,087,1002,065,5002,039,9002,017,8002,019,6001,987,7001,964,3001,963,8001,966,9001,959,4001,926,3001,901,6001,843,4001,820,1001,835,4001,850,9001,846,500-18,300-20,400-13,600-15,700-20,800-13,200-20,800-25,400-38,900-34,800-37,300-51,300-63,300-44,400-49,100-58,500-31,5000000
   > Long-term Liabilities 
0
0
0
0
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
0
2,800
2,800
2,800
3,000
3,600
3,600
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,200
900
800
800
700
600
600
500
500
427
381
334
287
239
191
141
120
114
107
100
94
87
80
73
66
59
51
44
36
29
21
13
5
12
2,818,273
3,261,004
3,283,816
0
3,351,839
3,457,046
3,453,577
0
3,611,708
3,672,570
3,712,068
0
3,870,795
0
3,798,805
19,944
3,879,849
3,918,256
3,919,793
21,370
4,011,547
4,022,596
4,012,822
18,406
4,145,442
4,168,128
4,129,120
15,395
4,170,709
4,210,106
4,198,037
12,134
4,227,097
3,816,488
4,198,839
7,263
4,265,557
4,287,039
4,231,856
4,707
56,723
56,237
54,731
56,553
54,998
53,710
52,125
52,784
51,449
50,586
50,515
52,720
53,094
51,777
5,315,479
5,228,385
5,249,169
47,172
5,327,262
4,113,617
4,113,6175,327,26247,1725,249,1695,228,3855,315,47951,77753,09452,72050,51550,58651,44952,78452,12553,71054,99856,55354,73156,23756,7234,7074,231,8564,287,0394,265,5577,2634,198,8393,816,4884,227,09712,1344,198,0374,210,1064,170,70915,3954,129,1204,168,1284,145,44218,4064,012,8224,022,5964,011,54721,3703,919,7933,918,2563,879,84919,9443,798,80503,870,79503,712,0683,672,5703,611,70803,453,5773,457,0463,351,83903,283,8163,261,0042,818,2731251321293644515966738087941001071141201411912392873343814275005006006007008008009001,2000000000000000000000003,6003,6003,0002,8002,8002,80005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
47,017
49,722
51,572
55,555
52,702
54,780
57,235
61,045
60,563
63,767
56,219
45,318
34,668
41,538
41,235
40,700
127,232
33,815
33,206
32,807
51,188
72,209
33,421
33,589
30,860
31,266
32,332
26,715
25,967
27,849
28,060
27,936
24,737
53,528
23,886
24,926
57,128
26,815
20,727
21,331
19,008
20,512
20,233
20,642
18,667
20,039
31,541
21,592
19,445
22,124
22,352
23,776
22,169
25,380
25,425
28,406
24,329
27,409
27,781
29,638
28,274
30,687
32,327
30,078
28,221
29,479
29,799
30,551
28,628
31,081
33,477
33,383
30,477
31,769
31,932
32,902
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,900
0
0
0
0
00002,90000000000000000032,90231,93231,76930,47733,38333,47731,08128,62830,55129,79929,47928,22130,07832,32730,68728,27429,63827,78127,40924,32928,40625,42525,38022,16923,77622,35222,12419,44521,59231,54120,03918,66720,64220,23320,51219,00821,33120,72726,81557,12824,92623,88653,52824,73727,93628,06027,84925,96726,71532,33231,26630,86033,58933,42172,20951,18832,80733,20633,815127,23240,70041,23541,53834,66845,31856,21963,76760,56361,04557,23554,78052,70255,55551,57249,72247,017000000000000000000000000000000000000000000000
> Total Stockholder Equity
0
0
0
0
53,400
55,100
56,900
58,500
60,200
61,900
63,600
109,000
111,100
113,300
115,800
118,400
120,400
123,000
125,400
127,700
129,900
132,900
133,500
136,600
139,300
142,800
147,500
149,600
160,100
154,700
153,400
157,700
162,400
161,100
168,900
175,400
178,800
177,000
183,600
185,400
185,800
185,200
176,500
172,100
166,400
170,544
176,132
184,320
195,843
200,012
201,034
204,943
205,827
208,848
217,210
228,748
234,844
232,190
234,428
233,731
226,762
234,216
214,619
224,163
225,832
224,584
234,228
229,661
228,661
221,755
214,160
227,503
239,523
239,980
229,910
234,816
237,068
242,993
239,504
241,118
236,024
237,537
238,135
244,668
245,678
250,618
255,189
261,171
255,440
258,472
268,949
337,810
338,516
344,646
349,907
357,617
358,798
360,889
348,623
354,388
361,813
371,779
385,017
389,487
393,444
400,476
402,459
412,292
413,310
423,025
430,265
435,608
432,686
438,700
447,366
454,928
458,308
462,097
470,815
477,118
489,871
501,718
515,630
526,163
538,257
548,185
553,421
560,528
568,161
571,031
578,593
586,683
601,128
592,895
594,632
589,006
599,987
614,703
621,389
623,926
645,285
645,285623,926621,389614,703599,987589,006594,632592,895601,128586,683578,593571,031568,161560,528553,421548,185538,257526,163515,630501,718489,871477,118470,815462,097458,308454,928447,366438,700432,686435,608430,265423,025413,310412,292402,459400,476393,444389,487385,017371,779361,813354,388348,623360,889358,798357,617349,907344,646338,516337,810268,949258,472255,440261,171255,189250,618245,678244,668238,135237,537236,024241,118239,504242,993237,068234,816229,910239,980239,523227,503214,160221,755228,661229,661234,228224,584225,832224,163214,619234,216226,762233,731234,428232,190234,844228,748217,210208,848205,827204,943201,034200,012195,843184,320176,132170,544166,400172,100176,500185,200185,800185,400183,600177,000178,800175,400168,900161,100162,400157,700153,400154,700160,100149,600147,500142,800139,300136,600133,500132,900129,900127,700125,400123,000120,400118,400115,800113,300111,100109,00063,60061,90060,20058,50056,90055,10053,4000000
   Common Stock
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
56,400
56,539
56,598
56,610
65,172
65,796
65,799
66,078
76,169
76,999
77,274
79,069
79,108
79,534
80,010
80,435
80,711
81,425
81,448
81,448
81,728
82,120
82,120
82,120
82,120
82,120
82,141
82,150
82,150
82,169
82,169
82,373
82,373
82,373
82,373
82,389
83,166
83,166
83,166
83,166
83,166
83,166
83,166
83,166
83,166
83,166
83,166
98,806
98,912
98,912
98,912
98,912
98,912
98,912
98,912
98,912
98,927
98,927
98,927
98,942
98,945
98,964
98,964
98,964
98,973
98,973
99,071
99,121
99,214
99,493
99,511
99,562
99,998
100,002
100,093
100,175
100,175
100,180
100,180
100,200
100,205
100,205
100,205
100,205
100,205
100,218
20,041
20,042
20,046
20,046
20,046
20,046
20,058
20,058
20,058
20,058
20,058
20,05820,05820,05820,05820,05820,04620,04620,04620,04620,04220,041100,218100,205100,205100,205100,205100,205100,200100,180100,180100,175100,175100,093100,00299,99899,56299,51199,49399,21499,12199,07198,97398,97398,96498,96498,96498,94598,94298,92798,92798,92798,91298,91298,91298,91298,91298,91298,91298,91298,80683,16683,16683,16683,16683,16683,16683,16683,16683,16683,16683,16682,38982,37382,37382,37382,37382,16982,16982,15082,15082,14182,12082,12082,12082,12082,12081,72881,44881,44881,42580,71180,43580,01079,53479,10879,06977,27476,99976,16966,07865,79965,79665,17256,61056,59856,53956,40000000000000000000000000000000000000000000000
   Retained Earnings Total Equity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
113,782
116,894
119,465
122,235
125,153
128,750
132,378
135,373
138,953
143,015
147,432
152,237
157,832
162,326
166,745
171,232
175,721
180,093
184,009
188,159
192,356
197,013
201,517
206,173
212,112
218,401
219,436
229,267
238,342
246,965
256,397
264,364
272,433
280,542
0
294,553
299,239
306,741
313,974
321,486
329,350
339,554
349,056
355,948
367,100
379,769
393,831
404,728
414,251
0
0
00414,251404,728393,831379,769367,100355,948349,056339,554329,350321,486313,974306,741299,239294,5530280,542272,433264,364256,397246,965238,342229,267219,436218,401212,112206,173201,517197,013192,356188,159184,009180,093175,721171,232166,745162,326157,832152,237147,432143,015138,953135,373132,378128,750125,153122,235119,465116,894113,782000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
300
-1,300
-500
0
1,400
4,000
4,200
12,400
4,600
1,300
2,700
5,200
2,600
8,000
12,400
15,900
14,400
20,300
20,000
18,600
16,500
7,900
3,100
-2,500
274
3,306
9,694
20,539
21,866
22,777
24,135
21,668
22,307
28,808
29,097
27,277
23,872
28,518
24,759
21,042
25,015
3,924
9,930
4,459
-1,734
4,327
-1,712
-6,054
-13,720
-21,725
-7,550
-2,928
5,463
-1,860
3,381
7,230
10,030
4,991
4,380
-1,441
778
-509
2,146
-1,282
777
2,284
4,215
-4,119
-4,176
2,846
258
-2,493
53
1,585
4,879
1,558
-169
-16,831
-15,923
-13,803
-9,452
-2,611
-3,508
-4,509
-2,687
-5,927
-1,174
-4,781
73
2,395
2,328
-6,251
-5,568
-3,593
-3,060
-1,806
-8,490
-9,796
-13,000
-10,309
-7,011
-1,774
-71
4,461
11,392
11,936
11,537
11,936
7,268
7,840
7,304
12,147
-2,369
-9,422
-25,209
-27,194
-23,375
-26,212
-31,506
-13,237
-13,237-31,506-26,212-23,375-27,194-25,209-9,422-2,36912,1477,3047,8407,26811,93611,53711,93611,3924,461-71-1,774-7,011-10,309-13,000-9,796-8,490-1,806-3,060-3,593-5,568-6,2512,3282,39573-4,781-1,174-5,927-2,687-4,509-3,508-2,611-9,452-13,803-15,923-16,831-1691,5584,8791,58553-2,4932582,846-4,176-4,1194,2152,284777-1,2822,146-509778-1,4414,3804,99110,0307,2303,381-1,8605,463-2,928-7,550-21,725-13,720-6,054-1,7124,327-1,7344,4599,9303,92425,01521,04224,75928,51823,87227,27729,09728,80822,30721,66824,13522,77721,86620,5399,6943,306274-2,5003,1007,90016,50018,60020,00020,30014,40015,90012,4008,0002,6005,2002,7001,3004,60012,4004,2004,0001,4000-500-1,300300000000000000000000000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
126,196
177,448
176,638
176,199
175,773
175,284
174,899
174,386
173,897
173,408
173,144
172,964
172,769
172,598
172,353
172,237
171,988
171,788
171,443
171,113
171,174
171,093
171,425
172,628
172,603
172,712
175,651
175,674
176,243
176,764
176,710
176,510
176,396
176,395
176,427
176,431
176,437
176,441
176,442
176,500
256,536
256,565
256,661
256,661
256,661
256,661
257,078
257,078
257,078
0
0
00257,078257,078257,078256,661256,661256,661256,661256,565256,536176,500176,442176,441176,437176,431176,427176,395176,396176,510176,710176,764176,243175,674175,651172,712172,603172,628171,425171,093171,174171,113171,443171,788171,988172,237172,353172,598172,769172,964173,144173,408173,897174,386174,899175,284175,773176,199176,638177,448126,196000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock000000000000000-34,396-30,903-30,903-31,605-32,325-33,102-33,786-34,067-34,356-34,971-32,687-33,267-34,026-33,219-33,947-34,731-35,293-36,334-37,379-38,287-39,270-40,090-40,871-41,900-42,897-43,887-45,024-46,308-47,613-48,949-50,208-51,516-52,753-54,006-55,596-57,041-58,249-59,369-60,661-61,895-62,996-64,077-65,200-66,340-68,338-69,661-62,558-64,244-65,667-67,595-69,372-68,324-69,440-69,316-69,512-69,113-68,545-68,490-68,320-65,854-65,626-64,591-63,748-63,194-60,204-56,653-46,083-43,547-36,397-33,103-33,426-34,325-33,373-31,305-29,825-28,775-26,457-25,198-24,617-23,614-23,245000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
0
25,000
33,600
33,700
42,500
20,200
42,600
42,600
10,300
103,100
103,300
103,600
103,800
103,800
104,300
104,500
104,400
104,600
105,300
105,300
132,300
132,400
132,600
132,600
132,700
133,000
133,600
133,500
133,800
134,000
133,300
133,500
132,700
130,800
128,500
127,000
126,200
126,700
126,200
124,000
121,900
61,500
63,262
66,306
71,741
73,748
75,228
73,840
75,170
65,718
66,344
72,691
79,993
58,906
57,139
51,977
51,505
46,958
46,706
44,950
44,396
49,627
50,524
50,378
47,359
49,280
49,648
49,575
49,529
49,997
50,315
51,461
52,307
54,366
56,372
57,777
59,296
60,481
61,810
63,091
63,844
64,604
65,348
66,092
66,838
67,613
68,389
69,155
121,852
122,632
123,446
124,257
125,076
125,950
126,773
127,589
128,384
129,257
130,067
130,869
131,727
132,263
132,967
133,701
134,409
135,109
135,820
136,443
137,146
138,206
138,602
139,336
140,025
140,680
141,318
142,176
142,978
143,608
144,185
144,791
145,492
145,524
142,035
142,041
142,045
142,046
142,059
221,362
219,783
219,879
219,270
216,908
214,400
213,292
213,292
213,292
213,292
213,395
213,395213,292213,292213,292213,292214,400216,908219,270219,879219,783221,362142,059142,046142,045142,041142,035145,524145,492144,791144,185143,608142,978142,176141,318140,680140,025139,336138,602138,206137,146136,443135,820135,109134,409133,701132,967132,263131,727130,869130,067129,257128,384127,589126,773125,950125,076124,257123,446122,632121,85269,15568,38967,61366,83866,09265,34864,60463,84463,09161,81060,48159,29657,77756,37254,36652,30751,46150,31549,99749,52949,57549,64849,28047,35950,37850,52449,62744,39644,95046,70646,95851,50551,97757,13958,90679,99372,69166,34465,71875,17073,84075,22873,74871,74166,30663,26261,500121,900124,000126,200126,700126,200127,000128,500130,800132,700133,500133,300134,000133,800133,500133,600133,000132,700132,600132,600132,400132,300105,300105,300104,600104,400104,500104,300103,800103,800103,600103,300103,10010,30042,60042,60020,20042,50033,70033,60025,0000000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue243,997
Cost of Revenue-44,056
Gross Profit199,941199,941
 
Operating Income (+$)
Gross Profit199,941
Operating Expense-34,494
Operating Income81,938165,447
 
Operating Expense (+$)
Research Development0
Selling General Administrative55,542
Selling And Marketing Expenses1,878
Operating Expense34,49457,420
 
Net Interest Income (+$)
Interest Income219,650
Interest Expense-1,009
Other Finance Cost-36,217
Net Interest Income182,424
 
Pretax Income (+$)
Operating Income81,938
Net Interest Income182,424
Other Non-Operating Income Expenses0
Income Before Tax (EBT)77,6134,325
EBIT - interestExpense = 72,785
77,613
59,655
Interest Expense1,009
Earnings Before Interest and Taxes (EBIT)73,79478,622
Earnings Before Interest and Taxes (EBITDA)84,580
 
After tax Income (+$)
Income Before Tax77,613
Tax Provision-22,511
Net Income From Continuing Ops69,70855,102
Net Income58,646
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses166,384
Total Other Income/Expenses Net77,613-182,424
 

Technical Analysis of TrustCo Bank Corp NY
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of TrustCo Bank Corp NY. The general trend of TrustCo Bank Corp NY is NEUTRAL with 0.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine TrustCo Bank Corp NY's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (0.0%) Bearish trend (0.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of TrustCo Bank Corp NY.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 28.14 < 28.39 < 28.42.

The bearish price targets are: 26.20 > 26.12 > 25.50.

Tweet this
TrustCo Bank Corp NY Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of TrustCo Bank Corp NY. The current mas is .

The long score for the Moving Averages is 7/14.
The longshort score for the Moving Averages is 0/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

TrustCo Bank Corp NY Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of TrustCo Bank Corp NY. The current macd is -0.02625167.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the TrustCo Bank Corp NY price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for TrustCo Bank Corp NY. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the TrustCo Bank Corp NY price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
TrustCo Bank Corp NY Daily Moving Average Convergence/Divergence (MACD) ChartTrustCo Bank Corp NY Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of TrustCo Bank Corp NY. The current adx is 12.19.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy TrustCo Bank Corp NY shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
TrustCo Bank Corp NY Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of TrustCo Bank Corp NY. The current sar is 26.23.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
TrustCo Bank Corp NY Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of TrustCo Bank Corp NY. The current rsi is 57.02. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending up: The RSI is trending up. +1
TrustCo Bank Corp NY Daily Relative Strength Index (RSI) ChartTrustCo Bank Corp NY Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of TrustCo Bank Corp NY. The current phase is Overbought in neutral market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the TrustCo Bank Corp NY price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
TrustCo Bank Corp NY Daily Stochastic Oscillator ChartTrustCo Bank Corp NY Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of TrustCo Bank Corp NY. The current cci is 134.42.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
TrustCo Bank Corp NY Daily Commodity Channel Index (CCI) ChartTrustCo Bank Corp NY Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of TrustCo Bank Corp NY. The current cmo is 23.79.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
TrustCo Bank Corp NY Daily Chande Momentum Oscillator (CMO) ChartTrustCo Bank Corp NY Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of TrustCo Bank Corp NY. The current willr is -3.92156863.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
TrustCo Bank Corp NY Daily Williams %R ChartTrustCo Bank Corp NY Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of TrustCo Bank Corp NY.

TrustCo Bank Corp NY Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of TrustCo Bank Corp NY. The current atr is 0.68423256.

TrustCo Bank Corp NY Daily Average True Range (ATR) ChartTrustCo Bank Corp NY Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of TrustCo Bank Corp NY. The current obv is -3,903,040.

TrustCo Bank Corp NY Daily On-Balance Volume (OBV) ChartTrustCo Bank Corp NY Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of TrustCo Bank Corp NY. The current mfi is 45.98.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
TrustCo Bank Corp NY Daily Money Flow Index (MFI) ChartTrustCo Bank Corp NY Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for TrustCo Bank Corp NY.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-09DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-10CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-22CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-24STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-15RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-21STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-27RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-03CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-04WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-10CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-11STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-16DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-19MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-24DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-29MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-31MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-02WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-16MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-01SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-13SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-14MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-26DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-03-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-28CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside

6.3. Candlestick Patterns

TrustCo Bank Corp NY Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of TrustCo Bank Corp NY based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.024
Ma 20Greater thanMa 5027.319
Ma 50Greater thanMa 10027.747
Ma 100Greater thanMa 20028.149
OpenGreater thanClose27.940
Total2/5 (40.0%)
Penke

Good job! You gained 25 XP and 0   0   10 . What's next:

  • Share my analysis of TrustCo Bank Corp NY with someone you think should read this too:
  • Are you bullish or bearish on TrustCo Bank Corp NY? Let me know what you think in the comments.
  • Do you want an email if I find something interesting about TrustCo Bank Corp NY? Add an email alert using the form below.
  • Join the community if you want to keep your earnings and track your progress: Join the community
  • Is this analysis useful to you? Support me via But Me a Coffee. I'll analyze the stock market faster for you!

Get notifications about TrustCo Bank Corp NY

I send you an email if I find something interesting about TrustCo Bank Corp NY.


Comments

How you think about this?

Leave a comment

Stay informed about TrustCo Bank Corp NY.

Receive notifications about TrustCo Bank Corp NY in your mailbox!