TrustCo Bank Corp NY [TRST] vs PNC Financial [PNC] Detailed Stock Comparison

TrustCo Bank Corp NY

NASDAQ
Loading...

PNC Financial Services Group, Inc.

NYSE
Loading...

TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: TrustCo Bank Corp NY wins in 10 metrics, PNC Financial Services Group, Inc. wins in 9 metrics, with 0 ties. TrustCo Bank Corp NY appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric TrustCo Bank Corp NY PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 13.21 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.18 1.39 TrustCo Bank Corp NY
Debt-to-Equity Ratio 0.22 1.12 TrustCo Bank Corp NY
PEG Ratio 0.62 11.84 TrustCo Bank Corp NY
Profit Margin (TTM) 33.26% 28.75% TrustCo Bank Corp NY
Operating Margin (TTM) 46.96% 35.28% TrustCo Bank Corp NY
EBITDA Margin (TTM) 46.96% 35.28% TrustCo Bank Corp NY
Return on Equity 9.30% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 0.98% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $45.74M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 4.08% 3.02% TrustCo Bank Corp NY
1-Year Return 74.90% 37.08% TrustCo Bank Corp NY
Price-to-Sales Ratio (TTM) 4.20 3.35 PNC Financial Services Group, Inc.
Enterprise Value $169.61M $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 0.89 6.11 TrustCo Bank Corp NY
Revenue per Share (TTM) $10 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $3.41 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.58 1.07 TrustCo Bank Corp NY
Short % of Float 4.59% 1.26% PNC Financial Services Group, Inc.

TrustCo Bank Corp NY vs PNC Financial Services Group, Inc. Stock Performance Analysis

Loading Price Chart...

TRST
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
TrustCo Bank Corp NY-3.98%-0.26%9.65%21.93%19.37%28.51%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
TrustCo Bank Corp NY74.90%80.91%61.27%77.08%115.40%1.75%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: TrustCo Bank Corp NY vs PNC Financial Services Group, Inc.

MetricTRSTPNC
Market Information
Market Cap i$823.18M$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i91,5401,904,080
90 Day Avg. Volume i124,8671,960,760
Last Close$53.05$230.56
52 Week Range$30.52 - $55.60$172.88 - $243.94
% from 52W High-4.59%-5.48%
All-Time High$71.25 (Dec 01, 2003)$243.94 (Feb 06, 2026)
% from All-Time High-25.54%-5.48%
Growth Metrics
Quarterly Revenue Growth0.08%0.05%
Quarterly Earnings Growth0.14%0.11%
Financial Health
Profit Margin (TTM) i0.33%0.29%
Operating Margin (TTM) i0.47%0.35%
Return on Equity (TTM) i0.09%0.11%
Debt to Equity (MRQ) i0.221.12
Cash & Liquidity
Book Value per Share (MRQ)$38.08$127.98
Cash per Share (MRQ)$43.87$27.54
Operating Cash Flow (TTM) i$58.70M$5.61B
Levered Free Cash Flow (TTM) i$61.14M$5.50B
Dividends
Last 12-Month Dividend Yield i4.08%3.02%
Last 12-Month Dividend i$1.86$6.70

Valuation & Enterprise Metrics Analysis: TrustCo Bank Corp NY vs PNC Financial Services Group, Inc.

MetricTRST (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i13.2112.56
Forward P/E i15.7011.84
PEG Ratio i0.6211.84
Price to Sales (TTM) i4.203.35
Price to Book (MRQ) i1.181.39
Market Capitalization
Market Capitalization i$823.18M$70.31B
Enterprise Value i$169.61M$128.31B
Enterprise Value Metrics
Enterprise to Revenue i0.896.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.581.07
Book Value per Share (MRQ) i$38.08$127.98

Financial Statements Comparison: TrustCo Bank Corp NY vs PNC Financial Services Group, Inc.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTRST (2025)PNC (2024)
Revenue/Sales i187.92M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i80.81M7.24B
Pre-Tax Income % of Revenue i43.0%34.8%
Income Tax i19.68M1.29B
Income Tax % of Revenue i10.5%6.2%
Net Income (Profit) i61.14M5.95B
Profit Margin i32.5%28.6%

Balance Sheet & Liquidity Metrics

MetricTRST (2025)PNC (2024)
Cash & Equivalents i50.57M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i36.39M61.67B
Long-Term Debt % of Revenue i19.4%296.4%
Total Shareholders Equity i686.59M54.47B
Retained Earnings i480.00M59.28B
Retained Earnings % of Revenue i255.4%284.9%
Property, Plant & Equipment i33.64MN/A

Cash Flow Statement Comparison

MetricTRST (2025)PNC (2024)
Operating Cash Flow i58.70M7.96B
Operating Cash Flow % of Revenue i31.2%38.3%
Capital Expenditures i-11.87MN/A
Free Cash Flow i45.74M7.88B
FCF Margin i24.3%37.9%
Debt Repayment iN/A-23.75B
Common Stock Repurchase i-38.13M-1.19B

Short Interest & Institutional Ownership Analysis

MetricTRSTPNC
Shares Short i648,2434.98M
Short Ratio i4.562.41
Short % of Float i4.59%1.26%
Shares Outstanding i17.51M395.94M
Float Shares i16.84M392.38M
% Held by Insiders i3.43%0.38%
% Held by Institutions i83.12%85.29%
% Held by Public i13.45%14.33%

Dividend Analysis & Yield Comparison: TrustCo Bank Corp NY vs PNC Financial Services Group, Inc.

MetricTRSTPNC
Last 12-Month Dividend i$1.86$6.70
Last 12-Month Dividend Yield i4.08%3.02%
3-Year Avg Annual Dividend i$1.58$6.40
3-Year Avg Dividend Yield i1.11%1.00%
3-Year Total Dividends i$4.74$19.20
Ex-Dividend DateMar 06, 2026Jan 20, 2026