Trustco Bank (TRST) Fundamental Analysis: Revenue, Earnings & Valuation

1.82 / 10

Underperform

TRST's fundamental score is 1.82, reflecting weak intrinsic quality. Key positives include a 21.2% YoY profit growth and a strong 36.7% gross margin, but these are offset by low net asset growth and a negative PB-ROE gap. The weighted factor model underscores Asset-MV and Revenue-MV as moderate strengths, while Profit-MV and Cash-MV show limited traction, resulting in an overall subdued fundamental outlook.

Analysis Checks(4/10)

Net assets per share (growth rate compared to beginning of year %)

Value4.89

Score1/3

Weight7.52%

1M Return3.39%

Revenue-MV

Value0.16

Score1/3

Weight12.39%

1M Return4.65%

Net profit attributable to parent company shareholders / Net profit (%)

Value100.00

Score1/3

Weight6.60%

1M Return3.05%

Gross profit margin (%)

Value36.70

Score3/3

Weight7.53%

1M Return3.43%

Profit-MV

Value1.19

Score0/3

Weight10.75%

1M Return4.15%

Total profit (YoY growth rate %)

Value21.21

Score2/3

Weight8.46%

1M Return3.74%

PB-ROE

Value-0.92

Score2/3

Weight12.51%

1M Return5.42%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.54%

1M Return3.43%

Asset-MV

Value-0.50

Score1/3

Weight15.66%

1M Return5.76%

Cash-MV

Value0.14

Score1/3

Weight11.03%

1M Return4.21%

Is TRST fundamentally strong?

TRST scores 1.82/10 on fundamentals and holds a Premium valuation at present. Backed by its 6.66% ROE, 31.06% net margin, 14.61 P/E ratio, 1.20 P/B ratio, and 21.37% earnings growth, these metrics solidify its Underperform investment rating.