COMP <GO>
TRST vs HAFC // DIVIDEND YIELD & FCF PAYOUT SAFETY
TrustCo Bank Corp NY (NASDAQ) VS. Hanmi Financial Corporation (NASDAQ) • 15-METRIC TALLY: TRST 1
— HAFC 6
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: HAFC
LAST: $56.87 (+0.30%) • MKT CAP: $968.4M
dividend-safety
2.85%
LAST: $33.13 (+1.32%) • MKT CAP: $982.3M
dividend-safety
3.32%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRST VS. HAFC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRST | HAFC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 7.50% | +1.40 | TRST | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 12.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.72% | 20.97% | -16.25 | HAFC | /fcf-yield <GO> |
| Operating Margin | — | 28.20% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 28.20% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 15.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 2.85% | 3.32% | -0.47 | HAFC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 7/9 | -3.00 | HAFC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.4 | 59.3 | -3.90 | HAFC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.7x | 10.8x | +3.90 | HAFC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $968.4M | $982.3M | -$13.9M | HAFC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRST REV | HAFC REV | TRST GROSS % | HAFC GROSS % | TRST FCF | HAFC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $270.2M | — | — | $45.7M | $206.0M |
| FY 2024 | $0 | $234.4M | — | — | $54.6M | $52.6M |
| FY 2023 | $0 | $255.4M | — | — | $64.1M | $109.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRST // BETA —
HAFC // BETA —