TrustCo Bank Corp NY [TRST] vs LendingClub [LC] Detailed Stock Comparison

TrustCo Bank Corp NY

NASDAQ
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LendingClub

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: TrustCo Bank Corp NY wins in 12 metrics, LendingClub wins in 5 metrics, with 0 ties. TrustCo Bank Corp NY appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricTrustCo Bank Corp NYLendingClubBetter
P/E Ratio (TTM)14.0926.06TrustCo Bank Corp NY
Price-to-Book Ratio1.071.36TrustCo Bank Corp NY
Debt-to-Equity Ratio0.181.59TrustCo Bank Corp NY
PEG Ratio0.720.17LendingClub
EV/EBITDAN/A7.33N/A
Profit Margin (TTM)30.21%5.93%TrustCo Bank Corp NY
Operating Margin (TTM)46.54%16.30%TrustCo Bank Corp NY
EBITDA Margin (TTM)46.54%16.30%TrustCo Bank Corp NY
Return on Equity7.93%5.50%TrustCo Bank Corp NY
Return on Assets (TTM)0.86%0.61%TrustCo Bank Corp NY
Free Cash Flow (TTM)$54.56M$-2.69BTrustCo Bank Corp NY
Dividend Yield5.05%N/AN/A
1-Year Return18.99%57.78%LendingClub
Price-to-Sales Ratio (TTM)4.211.53LendingClub
Enterprise Value$146.33M$1.18BLendingClub
EV/Revenue Ratio0.830.95TrustCo Bank Corp NY
Revenue per Share (TTM)$9$11LendingClub
Earnings per Share (Diluted)$2.78$0.64TrustCo Bank Corp NY
Beta (Stock Volatility)0.722.54TrustCo Bank Corp NY
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

TrustCo Bank Corp NY vs LendingClub Stock Performance Analysis

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TrustCo Bank Corp NY
LendingClub
TrustCo Bank Corp NY Stock Overview | LendingClub Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
TrustCo Bank Corp NY3.01%-0.02%12.98%30.30%31.80%22.71%
LendingClub2.44%5.44%10.66%57.22%64.09%9.36%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
TrustCo Bank Corp NY18.99%21.11%55.19%34.59%41.73%-36.09%
LendingClub57.78%54.87%289.40%-73.39%-85.71%-85.71%

News Based Sentiment: TrustCo Bank Corp NY vs LendingClub

TrustCo Bank Corp NY

News based Sentiment: POSITIVE

TrustCo Bank delivered a strong second quarter, exceeding expectations on key financial metrics and receiving positive attention from a prominent fund. While analyst sentiment remains mixed, the bank's robust capital position, commitment to shareholder returns, and long history of dividend payments suggest a positive outlook for investors.

View TrustCo Bank Corp NY News Sentiment Analysis

LendingClub

News based Sentiment: MIXED

LendingClub reported impressive Q2 earnings, driving positive analyst ratings. However, consistent insider selling, including sales by the CEO and a director, introduces a note of caution. This combination of positive performance and insider activity creates a mixed investment narrative.

View LendingClub News Sentiment Analysis

Performance & Financial Health Analysis: TrustCo Bank Corp NY vs LendingClub

MetricTRSTLC
Market Information
Market Cap i$733.56M$1.91B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i136,7201,223,500
90 Day Avg. Volume i126,5401,563,977
Last Close$40.04$17.64
52 Week Range$27.18 - $40.96$7.90 - $18.75
% from 52W High-2.25%-5.92%
All-Time High$71.25 (Dec 01, 2003)$146.45 (Dec 15, 2014)
% from All-Time High-43.80%-87.95%
Growth Metrics
Quarterly Revenue Growth0.07%0.19%
Quarterly Earnings Growth0.20%1.56%
Financial Health
Profit Margin (TTM) i0.30%0.06%
Operating Margin (TTM) i0.47%0.16%
Return on Equity (TTM) i0.08%0.06%
Debt to Equity (MRQ) i0.181.59
Cash & Liquidity
Book Value per Share (MRQ)$36.75$12.25
Cash per Share (MRQ)$37.85$6.56
Operating Cash Flow (TTM) i$59.16M$-1,907,550,976
Levered Free Cash Flow (TTM) i$48.83M$-621,227,136
Dividends
Last 12-Month Dividend Yield i5.05%N/A
Last 12-Month Dividend i$1.82N/A

Valuation & Enterprise Metrics Analysis: TrustCo Bank Corp NY vs LendingClub

MetricTRSTLC
Price Ratios
P/E Ratio (TTM) i14.0926.06
Forward P/E i13.6419.86
PEG Ratio i0.720.17
Price to Sales (TTM) i4.211.53
Price to Book (MRQ) i1.071.36
Market Capitalization
Market Capitalization i$733.56M$1.91B
Enterprise Value i$146.33M$1.18B
Enterprise Value Metrics
Enterprise to Revenue i0.830.95
Enterprise to EBITDA iN/A7.33
Risk & Other Metrics
Beta i0.722.54
Book Value per Share (MRQ) i$36.75$12.25

Financial Statements Comparison: TrustCo Bank Corp NY vs LendingClub

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)TRSTLC
Revenue/Sales i$45.35M$217.71M
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$18.72M$15.70M
Income Tax i$4.44M$4.02M
Net Income (Profit) i$14.28M$11.67M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)TRSTLC
Cash & Equivalents i$48.78M$895.52M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$38.32M$25.57M
Total Shareholders Equity i$687.81M$1.36B
Retained Earnings i$453.93M$-325.81M
Property, Plant & Equipment i$72.15M$19.27M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)TRSTLC
Operating Cash Flow i$11.56M$-386.43M
Capital Expenditures i$-4.55M$-13.07M
Free Cash Flow i$-3.27M$-352.32M
Debt Repayment iN/A$0
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricTRSTLC
Shares Short i302,8385.46M
Short Ratio i2.642.36
Short % of Float i0.02%0.05%
Average Daily Volume (10 Day) i136,7201,223,500
Average Daily Volume (90 Day) i126,5401,563,977
Shares Outstanding i19.02M113.38M
Float Shares i18.24M105.39M
% Held by Insiders i0.03%0.03%
% Held by Institutions i0.81%0.81%

Dividend Analysis & Yield Comparison: TrustCo Bank Corp NY vs LendingClub

MetricTRSTLC
Last 12-Month Dividend i$1.82N/A
Last 12-Month Dividend Yield i5.05%N/A
3-Year Avg Annual Dividend i$1.56N/A
3-Year Avg Dividend Yield i1.14%N/A
3-Year Total Dividends i$4.69N/A
Ex-Dividend DateSep 05, 2025N/A