TrustCo Bank Corp NY [TRST] vs U.S. Bancorp [USB] Detailed Stock Comparison

TrustCo Bank Corp NY

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: TrustCo Bank Corp NY wins in 10 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. TrustCo Bank Corp NY appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricTrustCo Bank Corp NYU.S. BancorpBetter
P/E Ratio (TTM)14.0911.58U.S. Bancorp
Price-to-Book Ratio1.071.38TrustCo Bank Corp NY
Debt-to-Equity Ratio0.181.34TrustCo Bank Corp NY
PEG Ratio0.720.80TrustCo Bank Corp NY
Profit Margin (TTM)30.21%27.00%TrustCo Bank Corp NY
Operating Margin (TTM)46.54%37.33%TrustCo Bank Corp NY
EBITDA Margin (TTM)46.54%37.33%TrustCo Bank Corp NY
Return on Equity7.93%11.67%U.S. Bancorp
Return on Assets (TTM)0.86%1.01%U.S. Bancorp
Free Cash Flow (TTM)$54.56M$11.27BU.S. Bancorp
Dividend Yield5.05%4.60%TrustCo Bank Corp NY
1-Year Return18.99%9.13%TrustCo Bank Corp NY
Price-to-Sales Ratio (TTM)4.212.95U.S. Bancorp
Enterprise Value$146.33M$103.34BU.S. Bancorp
EV/Revenue Ratio0.834.04TrustCo Bank Corp NY
Revenue per Share (TTM)$9$16U.S. Bancorp
Earnings per Share (Diluted)$2.78$4.18U.S. Bancorp
Beta (Stock Volatility)0.721.07TrustCo Bank Corp NY
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

TrustCo Bank Corp NY vs U.S. Bancorp Stock Performance Analysis

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TrustCo Bank Corp NY
U.S. Bancorp
TrustCo Bank Corp NY Stock Overview | U.S. Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
TrustCo Bank Corp NY3.01%-0.02%12.98%30.30%31.80%22.71%
U.S. Bancorp1.21%1.80%8.89%16.04%18.76%4.91%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
TrustCo Bank Corp NY18.99%21.11%55.19%34.59%41.73%-36.09%
U.S. Bancorp9.13%19.21%42.80%20.49%124.05%72.60%

News Based Sentiment: TrustCo Bank Corp NY vs U.S. Bancorp

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

U.S. Bancorp

News based Sentiment: POSITIVE

September brought a positive dividend increase and a favorable analyst rating for U.S. Bancorp, signaling confidence in the company's financial health. While institutional investor activity was mixed, the overall narrative suggests a stable and moderately growing investment opportunity. The reduction in the stress capital buffer further enhances the bank's financial flexibility.

View U.S. Bancorp News Sentiment Analysis

Performance & Financial Health Analysis: TrustCo Bank Corp NY vs U.S. Bancorp

MetricTRSTUSB
Market Information
Market Cap i$733.56M$75.30B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i136,7209,536,290
90 Day Avg. Volume i126,5408,503,973
Last Close$40.04$50.21
52 Week Range$27.18 - $40.96$35.18 - $53.98
% from 52W High-2.25%-6.98%
All-Time High$71.25 (Dec 01, 2003)$63.57 (Jan 10, 2022)
% from All-Time High-43.80%-21.02%
Growth Metrics
Quarterly Revenue Growth0.07%0.03%
Quarterly Earnings Growth0.20%0.13%
Financial Health
Profit Margin (TTM) i0.30%0.27%
Operating Margin (TTM) i0.47%0.37%
Return on Equity (TTM) i0.08%0.12%
Debt to Equity (MRQ) i0.181.34
Cash & Liquidity
Book Value per Share (MRQ)$36.75$35.02
Cash per Share (MRQ)$37.85$39.85
Operating Cash Flow (TTM) i$59.16M$7.48B
Levered Free Cash Flow (TTM) i$48.83M$5.91B
Dividends
Last 12-Month Dividend Yield i5.05%4.60%
Last 12-Month Dividend i$1.82$1.99

Valuation & Enterprise Metrics Analysis: TrustCo Bank Corp NY vs U.S. Bancorp

MetricTRSTUSB
Price Ratios
P/E Ratio (TTM) i14.0911.58
Forward P/E i13.6411.18
PEG Ratio i0.720.80
Price to Sales (TTM) i4.212.95
Price to Book (MRQ) i1.071.38
Market Capitalization
Market Capitalization i$733.56M$75.30B
Enterprise Value i$146.33M$103.34B
Enterprise Value Metrics
Enterprise to Revenue i0.834.04
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.721.07
Book Value per Share (MRQ) i$36.75$35.02

Financial Statements Comparison: TrustCo Bank Corp NY vs U.S. Bancorp

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)TRSTUSB
Revenue/Sales i$45.35M$6.93B
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$2.16B
Income Tax i$4.44M$443.00M
Net Income (Profit) i$14.28M$1.72B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)TRSTUSB
Cash & Equivalents i$48.78M$50.01B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$38.32M$59.86B
Total Shareholders Equity i$687.81M$60.56B
Retained Earnings i$453.93M$77.69B
Property, Plant & Equipment i$72.15MN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)TRSTUSB
Operating Cash Flow i$11.56M$-750.00M
Capital Expenditures i$-4.55MN/A
Free Cash Flow i$-3.27M$-285.00M
Debt Repayment iN/A$-2.10B
Common Stock Repurchase iN/A$-160.00M

Short Interest & Institutional Ownership Analysis

MetricTRSTUSB
Shares Short i302,83822.06M
Short Ratio i2.642.62
Short % of Float i0.02%0.01%
Average Daily Volume (10 Day) i136,7209,536,290
Average Daily Volume (90 Day) i126,5408,503,973
Shares Outstanding i19.02M1.56B
Float Shares i18.24M1.55B
% Held by Insiders i0.03%0.00%
% Held by Institutions i0.81%0.82%

Dividend Analysis & Yield Comparison: TrustCo Bank Corp NY vs U.S. Bancorp

MetricTRSTUSB
Last 12-Month Dividend i$1.82$1.99
Last 12-Month Dividend Yield i5.05%4.60%
3-Year Avg Annual Dividend i$1.56$1.78
3-Year Avg Dividend Yield i1.14%1.19%
3-Year Total Dividends i$4.69$5.35
Ex-Dividend DateSep 05, 2025Mar 31, 2025