COMP <GO>
TRST vs FMNB // DIVIDEND YIELD & FCF PAYOUT SAFETY
TrustCo Bank Corp NY (NASDAQ) VS. Farmers National Banc Corp. (NASDAQ) • 15-METRIC TALLY: TRST 3
— FMNB 4
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: TRST
LAST: $56.87 (+0.30%) • MKT CAP: $968.4M
dividend-safety
2.85%
LAST: $15.77 (+1.87%) • MKT CAP: $934.3M
dividend-safety
2.73%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRST VS. FMNB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRST | FMNB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 11.20% | -2.30 | FMNB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.72% | 5.58% | -0.86 | FMNB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 19.50% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 3.90% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 2.85% | 2.73% | +0.12 | TRST | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | FMNB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.4 | 55.6 | -0.19 | FMNB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.7x | 15.9x | -1.20 | TRST | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $968.4M | $934.3M | $34.0M | TRST | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRST REV | FMNB REV | TRST GROSS % | FMNB GROSS % | TRST FCF | FMNB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $279.9M | — | — | $45.7M | $52.2M |
| FY 2024 | $0 | $269.4M | — | — | $54.6M | $54.9M |
| FY 2023 | $0 | $255.2M | — | — | $64.1M | $62.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRST // BETA —
FMNB // BETA —